Hello all

I have been having a nightmare with the Clydesdale Bank for years over charges. I am a freelance writer and when i knew money was going to be late going in and charges would be occuring i took their letter of "please contact us and we will try and help" at face value. When i went to the bank no one could see me for three weeks and someone said they would call the next day-of course no one did. Eventually my bank charges hit the £200 mark and after sending a letter they said because of their bad service they would give me £50 back. I refused this and asked for a full refund and am still waiting 8 weeks later, a letter arrived a few days ago saying it would be another 4 weeks, due to their heavy workload, before they can get back to me, amking a total of three months. Now i am going for my last six years worth of charges.

Now comes the strange incident of the disappearing transactions..for the last two payments placed into my bank they have both disappeared for a few days before reappearing. I can tell when they go into the bank account by checking on my online account and telebanking- but then for some reason the transactions completely disappear as if they were never there. I went to the Clydesdale to complain and they basically said as there were no records of the transactions appearing there was nothing i could do. They waffled on about phantom transactions where the computer looks and sees if there is any money there..they basically did not have a clue what was happening..the next day the money then reapeared in my account backdated to the day it actually went in. This has now happend 3 times..both with money going in and money going out. Has this happened to anyone else..is this normal..the bank of course have never got back to me to say what the problems is.

Hi Garry66 keep your thread updated at all times so when you need help peeps can see the history before advising.

Thanks, I will..the thing with these disappearing transactions is that the missing transactions make it very easy for the bank to say.."you went over your overdraft this month and now we will can charge you again."..it's very strange...

Yes i see what you are getting at, you would need to see the following month if they have charged you a service fee and offcourse that you werent over your limit elsewhere in that ,month.

Hi

That last disappearing transaction took me £2.50 over my agreed overdraft limit..the thing with this one was that the disappearance was a maestro debit transaction that disappeared..leaving me more money in my account than i should have had..i can understand this happening once..maybe computer error but now it is the last three times..i have spoken to member of the branch (1hour of wasted time) telebanking and internet banking people and none of them know what is going on (and frankly probably dont care)..next week more money is due to go in my account so i am keeping a careful eye and printing out what happens...is seems strange that this is all happening when i am in dispute with them over charges..or is that just paranoia??

paranoia??

Never i can assure you when i started my claim against the CB (still ongoing from June) things do change or as you say it is paranoia?

Well that's good to know...i've always compained about bank charges to these guys, usually their head office and they usually give me roughly half the charges back..but enough is enough..3 months for a reply is just having a laugh..they are probably hoping i forget..next week i am sending for my statements for the last six years..get this..i phoned last year for all of the statements and was told by a woman at my branch that every monthly statement would cost me £5 making a grand total of £360 for all my statements..it was only when i started reading different websites that i found out they can only charge me £10 for the lot...unbelievable that the customers know more than the people working there..or it may have just been another fob off tactic.

Well they wont tell you will they!

Yeah i must have forgot ..banks vs honesty etc..good site, glad i found it will keep the thread updated..

Hi Gaz,

Apparantely that is the way that maestro works? I made a payment over the phone, checked online money gone, no problem there. Next day hubby went to cash point, more money than he thought in account put it down to me putting more money in account and withdrew it (must try talking to him occasionally, lol). Few days later when we received the OD letter I phoned the bank to complain as I had seen that the money had left the account and that there was still some money in account. Turns out that maestro take money out of account to check that it is there which gives you the reference no. they then put it back in until the company you are paying apply for it. Stupidest way of working things I've ever heard of. I also received a lecture on handling my finances better for my trouble.

Not sure if that will help or not.

Good Luck

Ali x

Thanks for that Ali, don't know why the bank could not tell me this themselves instead of taking me into an office and allowing me to phone the telebanking call centre..as if they would know anymore..will keep an eye out in future...and yes i have also been lectured on keeping track of my finances..which is not easy when things are going in and out willy nilly..

Hi Garry66, not sure if you will still be using the forum since this was a while back but

i see from the forum you had problems with 'Ghost' transactions back in 2007.

is this correct?

id like to prove they have known about it for years as its obvious that they have.

i hope you were successful with your reclaiming.

Can you confirm that they were aware and mentioned 'Ghost' transactions back in 2007?

id be very grateful if you could let me know.

thanks very much,

Kind regards,

Maurice

This thread is almost 10 years old as you have realised. You should start your own thread and explain what the problem is so you can get help directed to you.