So are you going to bother reclaiming charges as they will just go into your trust deed to be split up amongst your creditors?

I didnt know how it worked to be honest.

will maybe send away for statements to see how much i would be claiming first

So I assume now all of your creditors are part of the trust deed and it is now protected. Is that correct?

yes that is correct

Hi Caz, I assume there is a debt with this bank even though you are in a trust deed. Is that the case?

Yes, i had a loan with them, and that got added to my trust deed

Got a letter fromTSB today.

I have already had statements and also sent away letter claiming for charges.

"Thanks you for getting in touch with us. I am sorry you are unhappy aboit your account charges".

It goes on to say about the charges they have for overdrawn and not having enough money to pay dd.

at the end of the letter it says

" I do hope you can see that we make our charging system as fair as possible - and why i can't agree to cancel charges.

If you have asked for a copy statements and paid the fee. We will send them to you within the 40 day limit set by the data protection act.

If you have not yet sent the £10 fee you will need to send it to us at the address below. the 40 day limit starts from when we receive your payment.

I hope this fully answers the points you raised with us. please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with details of the FOS so they can consider your complaint independently.

If you are happy with the way I have dealt with our complaint there is no need for you to replay to my letter. If i have not heard from you by the 26 july 2007 I will close my file, though of course i will re-open it should you come back at any point afterwards."

do i send a letter saying i have already sent away 2 letters?

ok thanks

thanks also for moving it.

Im going to call the people i have the trust deed with and see what they say

thanks again

Just about to send letter with cost of charges to bank.

do i also include the charges for ging over overdraft, as iv just read this on bbc website

BBC NEWS | Business | Bank's overdraft charges upheld

Well i got letter back from TSB on Saturday morning just before i went away for weekend , just added up charges £500 (clysedale would have been much more)

Now for the next step

Caz, can you confirm if you are talking about Clydesdale or another bank on this thread please

 

Can you confirm that a trust deed is to do with your debts being written off in Scotland? Also can I ask if the information regarding not claiming due to the trust deed came from someone on this site. It isn't something I know about, but I think it may be worth you sending a S.A.R - (Subject Access Request) for all your info from Clydesdale. If your charges were higher than the amount written off I think you could have a claim, but this needs much more investigation. I think it may depend on what was agreed with the trust deed.

im talking about tsb i sent letter to, i didnt know how to go about getting thread moved, sorry

originaly i was sending to clydesdale bank but was told by someone (not on this board ) not to as my trust deed(in scotland) will be effected if i sent letter.

if i am paid a lump sum of any sort i have to let the trust deed people know about it.

sorry for any confusion

Caz

Have you sent them a letter giving them a further 7 days? If not then send them 1 and say if they don't comply then you will start court action as they have failed to comply with the 40 day limitations.

will do.my mate put hers in week before to same bank and she has not heard a thing as well, will get her one typed up as well.

thanks

How long ago did you request the statements caz?

im sure it was the week of the 20th March

anyone ?

sent letter off for statements but heard nothing

whats the next stage ?

Hi

I sent letter to TSB and not doing the Clydesdale bank now as i have a trust deed and my clydesdale account is part of my trust deed and i was told i shouldnt do it then

Not sure on the trust deed thing but if you start a thread in your banks forum and post there I am sure people will be able to advise you. Thanks

thanks I will

Which bank is it ?

Let us know and these posts can be moved there too

Clydesdale bank

can anyone help on my trust deed question ?

also i recently went trust deed, take it i have no chance in claiming back on the bank account i have included in the trust deed?, i had a loan with them, but went to the CAB and they helped me out

thanks

will read up on it first

Just about to make a start on reclaiming back bank charges. the only problem with the account im going to try and reclaim is i am in the process of paying back an overdraft at so many £'s a month, so the account is closed really will this make a difference?

hope everyone is well