clydesdale bank

[cove61]

I am a newbie here and i would just like to say what a great web site this is. I have been charged by the clydesdale bank for about the past 4 years (my hubby is in Uni) the final straw came yesterday when a cheque i wrote was returned to my child care provider as i had insufficant funds in my account, thing was cheque was dated 17th it was returned on the 18th i was always under the impression it took several days to clear in a bank, it allways did when i put money in! Anyway i was charged £35 and £22 irregular borrowing fee and because they sent me a computerised letter at the end of the month i will be then charged another £20, it driving me mad so i have taken the first step i have written to the bank and included my £10 (just hope they dont bounce it)to get my statements to find out how much i have charged over the past few years, a fair few bob i would think. i will keep reading all the faq untill i see what they send. this web site is a great service, the banks have been ripping everyone off for to long, i will be passing on all i have learnt to my hubbys mates (all poor students) who not doubt will be very interested in it.thanks alot jen

[jonni2bad]

Welcome aboard Jen - glad to see you.

You've clearly read the FAQs and seem to know what the score is - don't forget to keep us updated!

[JMio]

Welcome!

Be prepared for a long & drawn out battle against the Clydesdale (beginning even with getting hold of your list of Charges).

There are a few of us in the same boat, I've put together a rough step-by-step guide to how I would approach the Clydesdale if I were to do it again, it's on my thread here:

JMio v Clydesdale Bank - LBA Sent

Probably worth having a read through that & if there's anything you thing I can help with please ask!

Good luck

[Dotterel]

I also mailed letters directly to my local branch.

Visited the cash machine tonight and found that Clydesdale have refunded what I asked for (only £160 tbh). In total in took two and a half weeks from my first contacting them.

I used the first two default letters from here: http://www.bankcharges.info/ . Clydesdale didn't provide the statements I had lost because they were apparently "not stored in a 'relevant filing system' as defined by the Data protection act 1998" so I'll have to decide whether the possible charges I could claim back from the statements they'll charge me for will be worth it...

[jonni2bad]

DO NOT PAY FOR STATEMENTS

They are fobbing you off - they MUST provide the information you have requested. Please take a look HERE

Other banks are trying the same thing- it's designed entirely to put you off. Don't let it

[JMio]

Get the Information Commissioner involved - As soon as they tell you that they're not willing to provide information prior to July 2005 (this seems to be happening to all Clydesdale Bank customers), phone the Information Commissioners Office, speak to someone on their Data Protection Act helpline & file a complaint against the Clydesdale.

You're not alone on this one!

[cove61]

update ,just got letter back from my branch saying they will provide me with copies of my bank statments covering the last 6 years (i only asked for 5 but im not complaining), so i have had no problem so far with that, they wont provide any data relating to manual intervention as according to them this is data i am not entitled to recieve under a data subject access request. dont see that as too big a problem as far as i am concerened they havent got any manual data as they have not had to do anything, a stupid computer has just printed stuff off and charged me lots. so i will let you all know when i recieve my statments highlighter at ready. thanks jen

[JMio]

Nice one, good luck!

[crocodiles]

I had the same problem. I went to my branch in question and they said that statements were £5 each. I challenged the employee and she said that she was only quoting company policy. I sent off a letter and have been waiting for two weeks on a reply.

[killiebhoy]

Sent prem letter on 30 oct with stickers from cag and lo and behold i got a reply from clydesdale bank on 8th nov stating they will furnish details to me within 40 days.However they stated that under Data Protection Act that they don't have to furnish me with data relating to manual intervention on my account.Do i need this info to proceed with my claim?Remember to send your £10 and i also sent it 1st class recorded delivery

[killiebhoy]

Sent request for for statements with template letter along with £10 by 1st class recorded delivery(with cag sticker on envelope) on 30th oct. on 8th nov got reply stating clydesdale bank will furnish details within 40 days.However they said that under the Data Protection Act they do not have to furnish me withdata relating tomanual intervention on my account.Do i need this info to proceed with my claim? Remember to stick to the advice on this website