Hi everyone, Well that's us now stuck, received letter from FOS this morning saying that due to the legal proceedings at the heart of our case being referred to high court they were unable to proceed with our case as normal. Will now have to wait until the outcome is known (so only about a 2yr wait then knowing CB!!!). Good Luck everyone else, alki x

Quick Update: The £400 full and Final settlement was actually for both accounts not just the one as I first thought so sent them back a rejection letter. Sent all correspondence to FOS on 16/07/07 for both accounts, as bank have joined accounts up, just put in one form. Received a letter from the bank today offering £1880.00 for both accounts:mad: , this will be declined and letter forwarded to FOS. Hope everyone is getting on OK, Alki x

Hi all, Received letter in response to LBA on Friday, straight from J Sutcliffe & co, offering us £400 Full & Final settlement (asking for £7,491.59 before interest),so not a chance. Have sent them a letter back declining and gave them a further 14 days to pay the full claim before further action. Also sent LBA for second account, put a few weeks between them to keep them seperate so that I don't get confused never mind the bank. ali x

Hi Jazzy Send 1st letter then send LBA as normal after that complain to FOS (8 weeks after 1st letter). You can not complain to FOS if you have been through the court system so better to go thru them first, then if no luck you can proceed to court. Still trying to work it out myself and just a bit in front of you, Big Mac is always good for advice about FOS as he is going thru that system himself thou under slightly different circumstances. Good Luck ali x

Hi JCJazzy, Hubby and I are in the same boat as yourselves, general consensus so far is treat as normal until 8 weeks after 1st nice letter asking for money back then you can complain to FOS. It would be helpful if you had a reply from the bank, but even so you can complain without one (just as well because everyone knows how long CB take to reply). Good Luck ali x

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

Hi all, Quick question, when sending LBA do I still say that I am taking legal action or inform them that I am taking further action through the FOS route? thanx ali x

Bankfodder hope you received e-mail, Mr Alki had to send it as I 've still to work that bit out on the computer. Anyhows, finally received 2nd accounts statements (only 3 weeks late!) and having totalled them up have another claim of £1,424.89, and they wonder why there is never any money in the account! ali x

Hi Digger, Phone AQU dpt 0113 231 5000 and ask them where they are. Got mine eventually yesterday only 3 weeks late!!! Apparantely the staff seem to have been doing a bit of OT over the bank hols and got over 400 cleared from their backlog, according to the nice man I spoke to on Tuesday. Good Luck Ali x

Hi, just to let you know that we received letter back from ICO. First part of letter explained what complaint was exactly etc. They then went on to say: We would like to explain that due to the number of complaints we are receiving about failed subject access requests we are writing to financial institutions on a monthly basis, sending them a 'batch' of complaints. We will be writing to Clydesdale Bank with the next batch of complaints at the end of April07 and will of course include the details of your complaint in our letter. We will advise Clydesdale Bank to ensure that they provide you with the information you are entitled to as a matter of priority. Furthermore, we will ask them to outline what steps they are taking to ensure their future compliance with the Act. Therefore although we will now close your case we would like to assure you that we will continue to carefully monitor this issue. Finally, it may be helpful to explain that a breach of one of the data protection principles is not a criminal offence and we cannot punish an organisation for a breach of principle. Our priority is to get organisations to take steps to solve the problem and to ensure thay handle personal information properly in the future. However, it may also be helpful to explain that if you have suffered a loss because an organisation has broken the law, you may be entitled to compensation. We do not have any powers to award compensation and any claims should be made through the Court. So looks like we're just one of many complaints and CB are only going to get a slapped wrist, if anything. Ali x

ok cheers, on holiday with kids for next fortnight so if other statements ever turn up will have time to get it all sorted and sent. Thanx ali x

thanks mac, Still waiting for another accounts statements to turn up so will hold off just now until we have clearer idea. Sent them a letter 24/01/07 but without any specific numbers on it just that we were unhappy and wanted money back from charges, they replied with the usual letter, do you think we should just start again but with copy of charges this time? Ali x

Looking for some advice, received one accounts statements on Friday and after going through them we have paid the bank £9348.36 in charges, sc monthly payments (not sure exactly what they are but the more overdrawn we were the higher they got) and monthly interest (wasn't applied every month so don't know how they work it out), over the last 6 years.Ouch! Not sure how to proceed now as we are in Scotland and have always banked in Scotland with CB. Going to court sounds like it is going to have to involve a solicitor and could be very expensive. Has any one gone through the FOS for larger amounts? Ali x

Quick update: Phoned the AQU dpt of CB at Leeds today asking when I would likely receive my statements the girl who answered thinks that it will be another 2 weeks at least. If I've not received them by then I should phone back, they may have a better idea then. SAR was sent on the 4th Feb so 40 days was up on the 16th March. I have sent a letter to ICO complaining and also to CB telling them that I have complained about them. Looks like next step is LBA for non-compliance of SAR (almost sounds like I know what I'm talking about here),not sure how much good this will do if they are truly that busy. When is the statement due out about bank charges from the powers that be? and do you think that you will already have to be in the court system for it not to affect you? Ali x

hi elsie, Have sent a letter to commissioner and one to clydesdale informing them what I've done. Hopefully that will give them a kick up the bum, will wait 4 days before sending LBA. Ali

Hi Elsie, Phoned the Advice Quality Unit - Charges Section today and apparantely I won't be getting my statements for at least the next 3-4 days. Asked what the delay was and they're getting slammed with requests. AQU phone number is 0113 231 5000 Ali

SNAP, received the same letter as you except I got 2 the same. Time is up on Wednesday and that is being lenient on my part, so am going to complain. You should do the same and yes i do think it is a delaying tactic. Ali

still trying to get my old statements of the bank, have now received 2 identical letters, with the same date, to say that due to high vol. of requests etc. thay will be unable to provide the information within the 40 days. They also informed me it was within my rights to complain to information commissioner. What are they upto another stalling tactic? Anybody else having this problem?

Hi Cabsi28, just received 2 letters from CB dated on the same day saying that due to high demand etc. thay would be unable to provide info requested. Also informed me of my right to go to Information Commissioner to complain, what are they upto? Alki:confused:

Hi I'm a newbee and just starting out on this journey. From what I've read so far in Scotland you have to go thru small claim court as it protects you from excessive court costs but you can only claim £750 at a time. I've been charged more than £750 since xmas never mind the last 5yrs will I have to do multiple claims? Do I do them all at once or one after the other? Ali

hi darren i'm new to all this but was wandering how you were proceeding with your claim thru small claims or summary court

Hi new to all this, just been charged over £750 since xmas by clydesdale at wits end with them. Somebody in chat room said I should use summary court instead of small claims court for multiples, isn't this more risky. Anybody out there in similar position or been thru it all. Very far ahead of my self but would like to know what to expect before proceeding. Alki x