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I didn't mention on my last posting, but A&L used to allow me to go over my limit and fine me at the end of the month (£25.00) and the dd still gets paid. However their attitude has only changed in the last month since I asked them (firm but nice!!) for my money back. I'll go after them once CB has been sorted out and another account has been opened. I have just realised that I sent the LBA, not prelim letter. They have still just responded as with everyone else. Could this have a bearing on the claim or should I go back and send the initial letter? Andy H

Thanks jay6664 for keeping me up-to-date Got my letter this morning - a bit down as I was foolishly hoping all was well with the world and they are sorry for their mistake !!! Will now have to pick myself up and keep going. How do you plan to deal with the small claims (scotland) I have tried to register but due to not having and English postal address i can not do it online. Do you just walk into the local sheriff court and hand over a form? Thanks again Andy_H

Hi geedels, Got my letter back morning also, stating that they refure to pay as I had accepted their terms and conditions when i opened the account. It take it there is no more we can do apart from small claims? PS - really ****ed at A&L - I knew a dd was going out yesterday and had insufficient funds so withdrew money from different account and lodged cash into A&L to cover dd. They fined me £35.00 this morning and rejected the dd (it to my account £6.00 over without the money lodged) they said the dd was taken out in the morning and by the time i had got in at lunch time it was to late. Can they do this? is there not a time in the day that they have to wait until? Really peaved but will have to open another account before if lodge claim as they apparently close the account when you claim! Andy_h

Hi dvd_pogson, You mention court fees and interest. The interest i can workout from the spreadsheet on this site - however do you know what fees are involved. Also I live in Scotland and I have been advised by the Online money claim to use an English contact address. If I have to travel down to England for the court case who pays these costs. Also, (sorry to go on) when you lodge the claim with the courts, do you turn up in Court in case they lodge a defence? A bit confused about this and do not want to miss out. Cheers a_h_arch

Just found this thread - should have typed CB into search about two months ago. I have sent all the letters although not talked directly to anyone as all correspondance was by letter and no one at the branch wanted to discuss. The manager just said I had to take it up with Network Support in writing. Final letter stated "The information you requested falls outside the scope of the Data Protection Act as our records prior to July 2005 are only accessible via a combination of electronic and manual means. The latter is not referenced by criteria relating to individuals, but rather branches of the Clydesdale Bank. We therefore consider that this does not constitute a relevant filing system, as defined in section 1 (1) of the Act, and that this information is outside it's scope. We hope that this satisfactorily................" I am now going to phone Information Commisioner and lodge my complaint and join the party! I have the last four years of statements on file - however before this time I have no records and i'm sure a lot of fines were paid to CB at this time. No for Alliance & Leicester. Thanks for the info Andrew

This is possibly in the wrong thread, but it is about DPA so you might be able to help! I have written to my bank "Clydesdale" and they have responded saying that they would be more than happy to send me all information since mid 05 as all records before this time were not held in a suitable filing system (or something like that) and so they do not have to provide them. Is there another letter to send back refering to a previous example - the reason being is that I only have copies of the past 4 years not six in my own files. Ta