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18th July 2006, 16:47
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#1 (permalink)
| | Platinum Account Customer | Clydesdale finance and time ret finance Hi guys - after bit of advice again
Just realised yesterday that these gits have probably banged a load of charges on accounts that I used to have with them, so thought I'd try do something about it.
Now I don't have the account numbers any more so rang clydesdale but they had no record of me at the address which I took the account out at?!? They suggested I contact the bank for the details of the direct debit which I have just done (and tried to do for time ret finance as well) now the bank has no records of these direct debits but I have my bank statements in front of me with these direct debits coming out of my account.
My question - how do I get the account details and is the bank in breech of the direct debit guarantee/data protection for not keeping these details for six years (it was 3 years ago the dd's)?
Also how should I proceed to get the account details?
any help greatly appreciated |
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18th July 2006, 21:25
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#2 (permalink)
| | Gold Account Customer
Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since
: Jun 2006 I am in: somerset
Posts: 535
| Re: Clydesdale finance and time ret finance I've also spoken to Time Retail Finance today (also have no account number) who have told me that since my account is closed they no longer have any of my details!! What rubbish. When I pressed them harder they suggested writing to the Corporate compliance dept with my Subject Access Request.
Send the Data Prot Subject Access Request letter, enclosing the £10 and all your details and let them do the running around finding your old account, just sit back and dream of what you'll do with all that cash!
Am I right in remembering that they used to charge £50 for late payment? |
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19th July 2006, 00:20
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#6 (permalink)
| | Basic Account Customer | Re: Clydesdale finance and time ret finance hi there
i've been trawling the threads looking for someone who is tackling TIME. I managed to find 1 old statement, phoned them, and they told me it would be £1 per sheet for my account transaction details. will now request info via Data Protection Act ( Subject Access Request) letter.
These b*gg**s caused me tremendous stress, and only earlier this year i finished paying off the debt via a credit collector which has taken 4 years.
Bad times!
But now we have the power.
Good times!
I'll be following your thread, maybe we can compare notes along the way. |
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19th July 2006, 14:07
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#7 (permalink)
| | Platinum Account Customer | Re: Clydesdale finance and time ret finance Ok guys slight mod to the S.A.R - ( Subject Access Request) as no account details if someone could give feedback I'd appreciate it Data Protection Act 1998 Subject Access Request
Dear Sir/Madam Account at address xxxxxxxxxxxxxxx For direct debit amount £xxxxx Direct Debit in effect from Oct 2002
Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.
I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.
If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.
Yours faithfully,
Oh and are they gonna be funny as I'm now at a different address to the one I'm asking for details from? |
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20th July 2006, 23:29
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#8 (permalink)
| | Basic Account Customer | Re: Clydesdale finance and time ret finance hi blacksheep
i've just done a Subject Access Request for my partner. on the bottom of the letter i just put 'the address at the top of this letter is my current address, to which you can communicate my private business'.
As to no account no. i'm sure they'd be able to retrieve the info from your previous address. i'm pretty sure they have to hold info for at least six years for just this purpose. (but don't quote me on that  ) and an Subject Access Request should do the trick.
I would say once you send the Subject Access Request the ball is firmly in their court to supply the information to you.
best luck
__________________ the train of thought has left the station, hope i was on the right platform!!
_________________________ _________________________ __ Lloyds TSB
prelim sent 06/07/06 response rec'd 14/07/06
LBA sent 20/07/06 response rec'd 27/07/06
Moneyclaim filed 22/08/06 Ack'd 30/08/06
Defence filed 26/09/06 AQ filed 12/10/06
hearing set for 10th Jan 2007 Cap One prelim sent 2nd Nov 2006 First offer rec'd 14th Nov any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice. |
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20th July 2006, 23:34
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#9 (permalink)
| | Platinum Account Customer
Watch out, there are Claims Touts about! Cagger since
: Jun 2006
Posts: 1,187
| Re: Clydesdale finance and time ret finance right will pop that in the post tomorrow - cheers for the advice giys |
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25th July 2006, 17:11
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#14 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Jun 2006
Posts: 1,187
| Re: Clydesdale finance and time ret finance Just looked em up on the companies house website but used:
Time Retail Finance
Hepworth House
Claypit Lane Leeds
West Yorkshire
LS2 8AE Clydesdale Financial Services Ltd 1 Churchill Place London E14 5HP
and if you're interested have been in contact wit hitachi and aktiv their addresses are: Hitachi Capital (UK) PLC,
Wallbrook Business Centre,
Green Lane,
Hounslow,
Middlesex, TW4 6NW Aktiv Kapital (UK) Ltd
Merchants House
Hamilton Place
Chester
Cheshire
CH1 2BE
hope they help some of you |
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25th July 2006, 19:16
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#15 (permalink)
| | Gold Account Customer
Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since
: Mar 2006 I am in: Dumfries, Scotland
Posts: 588
| Re: Clydesdale finance and time ret finance Fantastic - that's exactly what I'm looking for, thank you!  |
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25th July 2006, 21:35
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#16 (permalink)
| | Gold Account Customer
Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since
: Jun 2006 I am in: somerset
Posts: 535
| Re: Clydesdale finance and time ret finance Quote: |
Originally Posted by blacksheep1979 Well If I'm not on their system I'll be trying to claim back the £1k + I've paid to them as if I don't have a contract therefore no reason to have given them any money - starting to hope they have lost my details now | Yeah right, hadn't though of that. Hope they've lost mine too! We both had an account with a limit of £2.5k each!! |
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24th September 2006, 18:47
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#17 (permalink)
| | Classic Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Sep 2006
Posts: 209
| Re: Clydesdale finance and time ret finance hi. i will be starting my own thread on this but i do have a question. i have received a load of printouts from time along with a note of explanations for the abbreviations. it says that the document CES3 has details of any arrears etc. there are system copies of my monthly statements which i should be able to read easily, but i cant understand a word of. i cant seem to find any charges, which i know i have a fair amount of, but if i cant find any how can i work out what they have charged me?  . does anyone know how much they charge for an unpaid direct debit and a letter? ill have to go through the statements again and see if i can figure things out but this info would be a great help as i would at least know what to look for. does that make sense?
thanks for any help received  |
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25th September 2006, 11:26
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#18 (permalink)
| | Basic Account Customer | Re: Clydesdale finance and time ret finance Hi Chilli, did you have your account through Clydesdale Financial Services? (Address as in Glasgow 10000 Academy Park, Gower Street, Glasgow G51 1PR)
I have had 2 accounts now sold on (alledgedly) to Capquest and Cabot.
Looks like they are panicking as to the whereabouts of the originals of deeds and agreements! Send a letter to the above, and you will receive your statements and a load of sheets with codes etc on them. ignore the codes etc, this just tracks the phone calls and letters sent to you. i am now claiming just over £1100.00 for the 2 accounts.....they have until Wednesday to reply to my Prelim letter and then it's my L.B.A.......roll on the 26th......i,ll keep you informed.
Cheers T.D.  |
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