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Has anyone else been treated like this by Clydesdale?
Hi there,
Just thought I would say something about my ongoing dispute with Clydesadale Financial Services.
I called them back in July to rearrange my payment date on my loan, which I am entitled to do. I confirmed twice over the phone with the woman I spoke to that the payment would not then leave my account until Oct. 1st and I was advised to cancel my direct debit with my bank to be safe.
A week later, and I received 2 letters from Clydesdale - one charging me £20 for cancelling my direct debit, and the second charging me £22.50 for a late payment.
I called Clydesdale and asked why they had charged me after informing me that the payment would not be requested and advising me to cancel my DD, and confirming that the next payment was not due until the 1st October. The manager that I spoke to said that the change did not come into effect until after the September payment date. After informing him that I had confirmed back twice with the operator when I initially made the change he then accused me of being a liar and said he was not prepared to investigate the matter or listen to the call.
A week later I received another letter, charging me a further £22.50, due to late payment. Again I called and complained and asked them to note that I was making a formal dispute. I also explained, using information on this site, about how these charges are unlawful and asked them to refund them otherwise I would be taking further action. The woman on the phone said she would look into it and that all the charges would be refunded (after saying that she had noted it on my account).
Another week later, and another letter charging me £22.50.
And today, I received ANOTHER letter charging me £22.50. Outraged, I called Clydesdale again and spoke to a guy named Paul. He refused to put me through to a manager, saying that he had made an "executive decision" not to do so and it was up to him whether or not to let me take it higher. He also said that they are allowed to charge whatever they want for their services and there is "nothing you can do about it."
This is absolutely disgusting! Has anyone else had a similar experience with these people?
P.S - In the letter it stated that they will be charging me a further £22.50 every 10 days until I pay them my "overdue payment" - which, according to the initial agreement I made on the phone, doesn't exist!
Re: Has anyone else been treated like this by Clydesdale?
This is terrible treatment. You need to cliam these back. I can't believe they can get away with providing a service in this manor. They are little better tahn loan sharkes.
Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06
Re: Has anyone else been treated like this by Clydesdale?
Originally Posted by morgado
Hi there,
Just thought I would say something about my ongoing dispute with Clydesadale Financial Services.
Can you just confirm if it is Clydesdale Financial Services or Clydesdale Bank, as they are not associated in any way. If not the bank I will move your thread to the right forum.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Re: Has anyone else been treated like this by Clydesdale?
Understandable confusion, but there have only been a few claims I know of against this lot, but I know there are one or two in this forum that I have moved your thread to.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Re: Has anyone else been treated like this by Clydesdale?
I can confirm Clydesdale Finance think they are above reproach and yes I have been treated this way but not to the extent you have been
I had a lady (don't remember her name), when I challenged the first £22.50 charge, that they can do what they like. I was astounded.
I was not surprised when I got the letter last week hitting me another £22.50 for being one day late with payment. i honestly thought it was the 28th not the 29th. When i asked for some consideration, I was told 'No, even thought the payment has been accepted, it will not show until our computers refresh the information on Monday.
I was also told that they will not be accepting any payments manually in the future. Oh yeah?
I was not charged for cancelling my DD, so it looks like they are applying charges however and whenever.
I am trying hard not to be libelous so I will refrain from what I am wanting to say.
I will never deal with company again - Shylock is not dead.
Has anyone else been treated like this by Clydesdale?
with my bank to be safe.
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Originally Posted by morgado
