Jump to content


  • Tweets

  • Posts

    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
    • Thank you dx I'll get on with it  Much appreciated  H
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Dan v Clydesdale Bank-


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6339 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

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.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

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

 

Good luck

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

Link to post
Share on other sites

  • 2 weeks later...

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 2 months later...

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 4 weeks later...

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?

Link to post
Share on other sites

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

;) If this helps please click the scales bottom left
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...