clydesdayle bank charges

[hendo29]

just wondering where we actualy stand these days on reclaiming bank charges from the clydesdale?

 

i recently done a SAR and the total is worth a claim.

 

also, this one may be far fetched but, looking across all my SAR files from all creditors i see a pattern where the charges applyed to my current account at the early stages start to increase alongside the total outstanding balance of my other debts.

 

would this to some extent prove that the amount of charges piled on were a direct cause of my debt. as most of my credit accounts were used for debt consolidation, as is identified in the patter in my SARs

 

where would i stand with this and would it benifit me in any way?

[dx100uk]

you could try a hardship claim or BCOBS route if these are since 2009

 

dx

[Bang!]

Bank charges can only really be claimed back currently if your are suffering hardship.

 

However, there is no problem with credit card or virtually and other financial penalty charge.

[hendo29]

cool so can claim back loan, credit card, catalouge etc easily enough but best to go down the road of financial hardship for the current account using my belife that the charges were a cause of my increasig debt as leverage, so to speak.

 

cheers guys

[MSAR]

Yes!!! I've just filed a SAR for the past twelve years with Clydesdale bank. One of the things that I have noticed is that my monthly credit card rates fell from 16.6% then rose to 20.2%. Roughly the time-line was:

 

2001 - 1.65% month = 19.79%

2002 Jan - 1.456% month = 17.427%

2002 March - 1.385% month = 16.6%

2006 December - 1.527% = 18.32%

2008 January - 1.5975% = 19.17%

2009 January - 1.667% / 2.075% = 20.00%

2010 October - 1.85% / 2.141% = 22.2%

 

I wonder if this is the same for everyone or whether once they catch you, they move you into the "keep net" and start raising your credit card interest rates just because they can?