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  1. I got spoofed out of £1,000 by these fraudsters and the bank have refused to give me my money back. I was stupid enough to fill in the form on line and then I found it strange called bank to stop cards and they said it was online Sc@m. They said they would watch my account, not to worry, and issued new card and pin. 3 days later my cards came and i got a call from "the bank" but it was the sc@mmers. (They had my number from the online form I filled out for the fake refund). They said they would send me a code to my phone and to confirm the code for security reasons.
  2. Hello. I have 27 working days waiting for this bank to reimburse a payment that did not reach its destination. This is normal?
  3. Hi, first time poster. I have noticed a default on my credit report from Clydesdale/BPF for an account that was opened in 2003. In 2005 I went through a bad patch and didn't pay any of my debts, my problem with this one is the date of default is listed as 2012? Is there a way I can get this removed as it is Statute Barred and should not be on my file. Thanks in advance. Jon
  4. Hi. I recently submitted a complaint to Clydesdale Bank Plc regarding a credit card I had dating from early 1997. The complaint was declined, and I subsequently complained to the Financial Ombudsman. The good news is that the Ombudsman wrote saying that the Clydesdale were going to make me an "offer". Of course, I'm still waiting, and so to pass the time, I've put together a spreadsheet based on a previous one that I've seen used that calculates the PPI amount plus paid CC interest and then adds on statutory simple 8% interest to both. I guess I wanted to know if my assump
  5. Hi, I've been Chasing the Clydesdale bank for 4 years over mis-sold ppi from 1991 . I received an offer from them this week and was wondering if anyone could help me with the offer calculations, I am struggling to work out if the calculations are fair and correct. The loan amount was for £4800, taken out in August 1991 over 5 years & the monthly repayments were £149.47. The offer details are PPI premiums paid £1343.52 Plus 15% simple interest £47.78 Plus 8% simple interest £2468.65 Minus 20% incometax on simple interest £503.29 Total compensation due £3356.66
  6. Hi I took out a loan with Clydesdale bank loan a couple of years ago and had difficulty in keeping up payments. Looking at my Credit report they have marked the account satisfied/settled and transferred the account balance to Cabot. Cabot is now showing up on my credit report with the balance and they are now demanding payment sending letters about agreements and possible court action as I have not acknowledged or responded their letters to get in touch. can they do this even though I have never had or signed an agreement with Cabot. Any help on this would be greatly a
  7. Hi tony http://www.consumeractiongroup.co.uk/forum/showthread.php?384453-Clydesdale-bank-preference-account-fees-reclaiming&p=4962977#post4962977 I had a Principal Account from 2000 to 2008 when it was abruptly ended by the bank. My experiences sound very similar to yours. I too had a £15,000 overdraft facility and was being charged £50 per month for services on the account. I am currently pursuing the bank on several issues, however they cannot give me any info about the earning threshold that was required to qualify for the account, or who signed the papers to authorise th
  8. Hi recently received offer from clydesdale for PPI for a joint loan, which i don't even remember having pproblem is the account number on letter is correct but they qouted different name for my other half. Has anyone experienced similar or is it just ive been sent an offer for someone else, any advice greatly appreciated
  9. hi to all, this is first post and if ok will try give shortest version for you advice etc. I had a overdraft of 2k with cbank in 2010 I started having health issues and ended up out of work during next few months, at this time I had explained to bank who weren't interested. also at time trying to claim back unfair bank charges. it was getting to the stage I could no longer stay afloat and although now at 2012 I had paid the debit interest since 2010 to stay under my 2k limit the bank refused to help even by freezing interest, I told them I cannot pay. this
  10. The failings also relate to Yorkshire Bank, which is a sister business of Clydesdale within parent company National Australia Bank The banks are now reviewing all PPI complaints handled prior to last August and have offered redress to any customers impacted by the failings.
  11. Hello. Can anybody help me? This is my first post on here. On December 2nd I transferred a balance of £460 from another card (Clydesdale) onto my M&S credit card, taking advantage of a 0% offer; I have had the M&S card for a few years now. A few days later I received a letter from them informing me that the balance transfer had been completed. I thought this strange as I'd never received one of these before when transferring earlier balances to the card. Anyway, the £460 hasn't reached the Clydesdale card account yet but shows up on my M&S statement - in writing at leas
  12. Hi everybody ... Apologies for the new thread - this is my first posting but I have been reading with interest the threads on here concerning PPI. I hope you don't mind the intrusion but I hope someone more familiar with PPI refund calculations will be able to ease my confusion! After a stressful and lengthy 3 year dispute with Clydesdale Bank, I have heard this month from the FOS that they have upheld my complaint concerning the missale of PPI on a Yorkshire Bank Visa card which was taken out in 1992 and closed in 2007. I'm relieved to have finally won my case but work
  13. Hubby had an overdraft with the Clydesdale, he got paid off and hadno money coming apart from benefits which went into my account. Bank closed his account, and we have been paying them back every month without fail. Its only a token amount at the moment but we haven't missed a payment to the bank. Its done through standing order, and itnwas arranged by the financial solutions unit of the bank. Yesterday we got1 a letter from Cabot and it states that they were assigned the debt in the middle of September, and they want the full payment, or arranged a payment plan with them. Can they
  14. Does anyone have any experience regarding Clydesdale Bank and their Tailored Business Loan (TBL) We switched to a TBL in 2010 after being advised to do so by CB and they are now looking to charge us £26,000 early break costs as we are looking to sell the property.
  15. "Clydesdale Bank has been fined £8.9 million by the City regulator after it forced 22,000 customers into higher mortgage repayments in order to rectify a previous error by bank staff. The Financial Conduct Authority (FCA) said Clydesdale had failed to clearly spell out customers' rights following the bank's miscalculation on the repayments on more than 42,500 mortgages. In total, the earlier blunder meant a £21.2 million shortfall in Clydesdale mortgages, with customers who underpaid left with outstanding mortgage balances higher than they should have been. The shortfalls range from less t
  16. Hey guys, bit of advice would be very helpful. To cut a long story short circumstance-wise, last year while I was a student, I was in and out of hospital in Aberdeen from June - September, as a result of this I lost my job due to the fact they needed someone in full-time (I wasn't on a full time contract so I did not get any sick benefits). My grandmother also suffered a stoke, and my parents were in the process of repossesion proceedings....great few months. Anyway... This resulted in my finances getting a bit behind, I missed about 1 or 2 months payments with my other cards etc, wh
  17. Hi Guys, Need some help urgently..... I got a personal loan from the above bank over 2 years ago, it was to do major home improvements at the house i share with my hubby. Paying every month without fail, but started to struggle when my husband got made redundant and i had to take take over all the bill paying. I approached my bank manager to ask if they would consider taking a reduced payment till we got back on our feet, but they wouldn't accept that, and told me to get advice regarding debt, so i did. I approached Payplan (one of the banks suggestions), and they negotiated with the ban
  18. Arguing with current bank, Nationwide, over their treatment of me as I live solely on benefits and have been hit with charges relating primarily to the immediate aftermath of transferring my account from Clydesdale and subsequent change in date of direct debits.Have now had charges refunded 'as an act of goodwill' but for some reason the customer service idiot dealing with me, Barbara Jerome, thought I was talking about Social Security Act regs and not BCOBS. Now need to put her bank straight, again, so wondered if anyone has a name of a senior contact in Nationwide operations team I can conta
  19. Hi, I took out a loan for £4000 with Yorkshire bank in 2002. I have recently put in a claim for PPI. I have the account number and I know the details of when it was taken out, which branch and roughly when it was repaid. They have come back to me and said as it is older than 6 years they no longer have any details other than the loan number I provided them with so cannot do anything more unless I can provide them with the original loan agreement which I no longer have... ..Is there anything I can do now or is that it? Is it worth going to the financial ombu
  20. I regularly get statements from Clydesdale Mastercard where the interest charged per month is higher than the minimum payment; there is a regular debit of £3, but aside from that, there is no use on the account (their pin change service has always resulted in the card not working). The interest is around £10 more than the payment. Is this actually allowed?
  21. Clydesdale bank is owned by National Australia Bank (NAB). In turn NAB have shareholders who are: EDIT Name of Shareholder Number of shares % 1 HSBC Custody Nominees 359,630,439 16.86 2 J P Morgan Nominees Australia Limited 260,185,567 12.20 3 National Nominees Limited 244,446,877 11.46 4 Citicorp Nominees Pty Limited 97,543,050 4.57 5 Cogent Nominees Pty Limited 41,084,898 1.93 6 National Australia Trustees, SSAP & SSOP Control A/Cs 26,107,907 1.22 7 J P Morgan Nominees Australia Limited, Cash Income A/C 21,042,955 0.99 8 AMP Group 19,841,838 0.93 9 RBC Dex
  22. Affidavit's Wanted Please Preparing for the case ahead, clydesdale I know will use the "it was only a one of administration error" line alongside their proposed defence. I want to show the court that infact failure to provide documentation under section 7 of the DPA 1998 is rife across the industry but in particular within this bank. I am trying to collect as many affidavits from people who have banked with clydesdale and had problems of this nature to use as evidence that this is not a 1 time occurance. 3 Years and still no data from them. Anyone willing to help?
  23. I wonder is someone could help me, I’m not new to the site but a little rusty on process for dealing with such issues. I’m unable to post the agreement until next week when I’m back at work, but as soon as I get back I will. Basically capquest have sent me an agreement that I signed in 2000 for a store card with a credit limit of £1000. The current balance stands at £4000+ due to charges incurred. Now I’ve looked at my credit file and this isn’t on there, but I’m positive I paid something towards the account in 2008, so statute barred it isn’t. Can someone please advise on my next
  24. On the 21st August 2009, I ordered a Driving Instructor Course. The Course Agreement was between me and LVG Ltd trading as Red Instructor Training was signed 28/08/2009 in the sum of £3728.01. Clause 4c states that no refund is due if cancelled over 30 days from enrolment. (i.e. over 30 days from 28/08/2009) On the 24th August 2009, Barclays Partner Finance issued to me the Fixed Sum Loan Agreement. The Fixed Sum Loan Agreement between me and Barclays Partner Finance was signed by me 28/08/2009 in the sum of £3,728 plus £569.68 Interest @ 9.9% APR repayable £119.38pcm. On the 28th
  25. I am interested to know if anyone has had a bad experience with the safe custody of documents or valuables at Clydesdale Bank (Piccadilly branch particularly) between 1985 and 2008. We had our strong box broken into and valuables stolen, which we only discovered when we visited the branch ourselves. The bank is in denial etc! What action - successful or otherwise - might you have experienced? Has anyone sued successfully over an issue like this? Thanks in advance for any advice or anecdotes.
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