Dan v Clydesdale Bank-

[Destructor]

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

[caro]

If it is not a service fee, which I don't believe it is claim it. Don't forget the daily fees as well if you have them.

[JMio]

Claim it - they only occur when you go overdrawn, thus (in my view of course) they're a penalty for being overdrawn.

 

Good luck

[gws7033]

Hi All

 

Can someone help me with this query. I have a Clydesdale account i have my statements and intend to claim the charges back which amount to approx £ 3,000.00.

 

My query is do i have to issue this in Scotland as their registered office is in Scotland and any correspondence has been with them in head office in Scotland. I also believe that if i do have to issue in Scotland and it is defended i have a very long journey to undertake.

 

Can someone with superior knowledge advise me accordingly. Many thanks

[westy99999]

Hi All

 

Can someone help me with this query. I have a Clydesdale account i have my statements and intend to claim the charges back which amount to approx £ 3,000.00.

 

My query is do i have to issue this in Scotland as their registered office is in Scotland and any correspondence has been with them in head office in Scotland. I also believe that if i do have to issue in Scotland and it is defended i have a very long journey to undertake.

 

Can someone with superior knowledge advise me accordingly. Many thanks

 

Just put your branch address.

[caro]

It might be advisable to send an LBA to the branch first as it should really have gone to an English address in the first place, but just give them another 7 days or so if you do this.

[Destructor]

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

[wackyjacky]

Good luck dan jaxx

[watson42]

HI Dan, go for it. I'm fighting Clydesdale on behalf of my mum who lives in Scotland. we got the standard letter also after giving them the prelim letter, then we sent the lba & their tune had changed, sayding they were going to "reopen the complaint & review" & just this week they've sent a cheque for just under half the amt owed saying they consider the complaint closed. well, we're claiming the lot, aroung 1100 quid including the 8% interest @ claim stage.

 

good luck & keep us updated.

 

West Yorks Red

[Destructor]

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?

[zebbydog]

You can start MCOL now.YB then have 14 days to respond to the court and then a further 14 days to settle or enter a defence,toal 28 days.Once they enter a defence the case will be transferred to your local court.Then it will depend on how busy your court is as to when you get a court date.Once you have filed and got your claim number,you can then send a schedule of your charges plus interest to the court at Northampton.Send them two copies one of which they will forward tp YB, but to be on the safe side send one to YB as well registerd or recorded.Then they cant threaten to strike out saying they didnt get your schedule.No you dont have to be present to submit your claim to MCOL.Hope this helps