Hello sorry for the delay. I waited for the limit and have prepared my MCOL ready for action. I called Neil McKurdy before submitting it and spoke to someone at Clydesdale called Louise, who said they hadn't seen the second letter (it was still at my branch in London!) and could I please fax it to them. I did so and Louise said they needed some time to look the case over. It has now been a week- should I proceed with the MCOL, or call them again? Before I do, I have some questions as I am a little hazy on what happens once I make the submission: 1. Once the MCOL is submitted, how long does it take to receive a response and book a court date? 2. There seems to be no option on the form to submit my schedule of charges- how is this submitted? 3. Is it possible to process a claim from outside the country? Do I need to be physically present to process a claim?

Okay time for an update! On November 14th I sent Clydesdale a letter announcing my intention to begin action. They sent me a three-page letter saying that basically they were all very nice charges that I had agreed to and that I really shouldn't ask for all that money back, and that if they didn't hear from me again they'd assume the issue was dropped. I've just calculated my interest and the claim is up to almost £1500! Unbelievable how much they have taken from me, and I've never been more than £10 over my limit. I've just written the second letter (notice before action) and will send it off on Monday. -Dan

Hullo, I'm about to start proceeedings...I sent away for all my bank records, and received them. There is one question I have to ask before I send them a notice of reclamation. Occasionally my bank would charge me £25 or £33 in overdraft fees...but much more frequently they would charge £22.50 for 'fees' which were not strictly identified as an 'overdraft fee', but would only occur if I exceeded my overdraft. Is this fee reclaimable also? It would make a significant difference. -Dan

Has there been any progress, Dan?

Hello all, first off thanks for this forum I have rarely seen such a positive and supporting environment on the internet. I have been a Clydesdale Bank* customer since 2001. For my first three years banking if I ever dropped below £0 they would charge £22.50 for every transaction made below £0, even if it was only £0.79! This meant I was often paying up to £100 in overdrawn fees every month...and they would often apply the fee at the end of my pay cycle, once again making me overdrawn...once again applying the overdraft fee, for their own charge! It was very frustrating. As a result they encouraged me to get a £1000 overdraft, which I got. Inevitably...my -£1000 became my baseline zero...and I have started to repeat the overdraft cycle once more! Then I learned about your site and I have started proceedings to get the money back. I've requested and received my last six years bank statements, and I am calculating how much I should request back (I don't think I shall bother asking for interest- I'd just be happy to get the base amount back!). Now a technical question for those in the know- someone told me that because I got an overdraft, I entered into an agreement wherein I agreed to pay the £22.50 if I went over the £1000 limit. I certainly don't remember signing any such statement, but I was wondering if this was standard or just a scare tactic? Could I unwittingly have agreed to the fee? Should I proceed? I am understandably nervous but always thought they were being a bit underhanded with their overdrawn fees and would like to reclaim it. Many thanks again for all the good work on the site. -Dan *I've noticed they don't have their own forum like all the other banks- does anyone else use them?