Walker vs Clydesdale Bank (Scotland)

Walker0825 · 19th December 2006, 22:01

Dear All,

I am going to complete my Subject Access Request form but unsure where to send it to, can someone please advise?

Scott

~*Cash Crisis*~ · 19th December 2006, 23:02

I think this is the one...

CLYDESDALE BANK PLC
30 ST VINCENT PLACE
GLASGOW
G1 2HL

Walker0825 · 19th December 2006, 23:18

Thanks Cash......Scott....

Walker0825 · 30th January 2007, 00:16

I have charges on my account called Service Charge and Arrangement Fees, can these be claimed back? They always seemed to appear after i went overdrawn.

Regards
Scott

bsutherland · 30th January 2007, 00:28

me an my husband have included both in our claim. Have added up charges and sent letter requesting payment they have to this friday to respond will let you know how we gwt on.

Walker0825 · 30th January 2007, 00:32

HI there,

Thanks for letting me know, i just notcied every month they would charge £8.50 and then interest as well.

Regards
Scott

Walker0825 · 30th January 2007, 01:25

Can someone advise if i can submit a claim for my Current Account and Credit Card together as they are both with the Clydesdale Bank? I have all my statements from both accounts but not much to claim on my Credit Card but more on my Current Account. I also wondered if i can go back further as i have statements going back 10 years?

Regards
Scott

Walker0825 · 30th January 2007, 21:42

Is there anyone out their tonight to answer the above questions?

Regards
Scott

pict · 30th January 2007, 22:08

I am claiming from BOS for credit card and current account but I decided to split them as they have different head offices. On the claim from the last 10 years if you have the information and have not already requested payment then you can but remember you will have to argue the case to get past the 5 year limitation in Scotland. If you have already requested payment of charges then resubmit the letter with the new dates and charges stating that this letter supersedes my letter dated xx/xx/xx in bold print at the top of the letter.

Walker0825 · 30th January 2007, 22:15

Pict,

Thanks for that, I will claim for both at the same time as the address I requested the Data is the same for both. I have gone far back as 1998 but are you suggesting it is harder to claim for this? I was under the impression if I had the statements I could include these?

pict · 30th January 2007, 22:58

I'm not suggesting that you can not claim but the defence from the banks will be that you are outside the 6 year limitations act or 5 year for Scotland but people are now trying this. I am also claiming further back than 5 years but following a conversation with the bank today I fully expect to be going to court to argue this case.

Walker0825 · 30th January 2007, 23:03

Pict,

Thanks for that, one last question tonight, which spreadsheet did you use as I have a few and all calculate them slightly different?

Regards
Scott

pict · 31st January 2007, 00:25

I have used the simple spread sheet link: http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xls
Some people are going for contractual interest which I thought about but I decided to keep it simple and only claim back what they have taken from me.

Walker0825 · 31st January 2007, 00:47

Bankfodder,

Have sent a message to you and would be grateful if you can get in touch, thanks in advance.

angelicanna01 · 1st February 2007, 15:30

hi peeps, new to this..sorry if i ramble on lol
anyway, im looking into claiming bank charges from a clydesdale bank,i dont have my last 5 years statements,so i guess thats my starting point.# from my branch. what i dont know is that once i have my information together, where do i send my first letter to reclaim the amount of charges? do i stick with communicating with my branch or do i send my letters to the head office in glasgow??
As i am only getting started i need all the help i can, please help

Walker0825 · 19th February 2007, 23:30

I have now received a letter from the Clydesdale Bank telling me that is is up to me, e.t.c. They have also advised that this is the end of the matter. It has passed 14 days so do I now submit the Letter Before Action. My concern with this is that the letter seems to have been written in the way of no response from your Bank. Do I still submit even though they have stated they will not refund?

allybee13 · 20th February 2007, 16:08

Quote:

Originally Posted by Walker0825

I have now received a letter from the Clydesdale Bank telling me that is is up to me, e.t.c. They have also advised that this is the end of the matter. It has passed 14 days so do I now submit the Letter Before Action. My concern with this is that the letter seems to have been written in the way of no response from your Bank. Do I still submit even though they have stated they will not refund?

Hi Walker

Could you clarify what you mean by the underlined bit? I am going to be raising a claim with CB as well and have sent away for my data (complete with cheque).

Are they telling you it is up to you to gather the information?

Cheers,
Ally

Walker0825 · 21st February 2007, 00:56

Ally,

The reply from the Bank was that it is up to mr to keep my account in order and they will not repay the charges, that is what the underline section means. You send the S.A.R - (Subject Access Request) form with your £10 fee and they will supply all your statements within 40 days.

allybee13 · 22nd February 2007, 00:15

Cheers Walker. I just got a bit confused.

I've sent off my Subject Access Request with cheque on 9th Feb so they have a while yet to get back to me. It looks like what you got was a standard letter designed to put off lesser mortals!

Ally

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