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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Louise - thanks for the reply & welcome aboard!

 

The Data Protection officer at Clydesdale is Gordon Watt, contact details above.

 

Homer_J that's posted on here has had some success in getting hold of his list of transactions / charges, and has been a great help so far.

 

The Clydesdale Bank, by their very nature are an awkard and obstructive bunch at the best of times - good luck & keep us posted!! We're not that far off getting around this lot's delay tactics now.!!

** 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

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Right!!

 

Just spoken to our Mr Gordon Watt, ooooh that was nice - I could almost hear the sound of his sweaty cheeks squirming around in his chair throughout my conversation! THAT alone was priceless!

 

Anyway, the jist of it is, that (as expected) he refused to comment on another persons case (Homer_J's), refused to even look at the case after I asked him too because I was fed up of his 'I don't have the details to hand' spiel.

 

This guy clearly is not used to dealing with customers (expecially assertive & irate ones at that!), which probably explains why his phone number, isn't published on his letters... Ooops - bit of a shame someone's left it on the previous page of this thread then eh!?

 

In short - he's left me with little choice than to wait on the ICO to get involved, and I'll also be lodging a complaint with the FSA.

 

 

*** MY ADVICE TO ANYONE IN THE SAME SITUATION ***

 

If I was going to approach the CB again, I'd do this:

 

-- DPA Letter along with £10 as normal (recorded delivery).

 

-- When they send you their standard "£5 per copy statement" letter, send your reply to BOTH the branch & Neil McKirdy (Customer Relations Manager - address is on this thread), stating that if they don't provide ALL of the information that you requested within the 40 days, you'll go to the ICO.

 

-- When you get their standard letter (probably from Fiona Hutton or someone else at Network Support), saying that they're only going to send you details from (circa) July 2005 under their interpretation of the DPA, and that everything else comes a a £5 per statement cost - Phone the ICO, fill in their Complaint Form and get them involved. This Gordon Watt guy (despite his best efforts) made it perfectly clear that he was very uncomfortable about my threat to go to the ICO & FSA - SO DO IT!!!

 

The people on the ICO DPA Helpline are very very helpful - DO NOT hesitate to give them a call for advice - they really couldn't be any nicer!!

 

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

Again - good luck and keep us all updated!

** 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

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Excellent, this is just what I needed. Yorkshire bank have phoned me today (I wasn't in) and are calling back around 5pm, I have a feeling that they are going to try the same argument, either that or say they can't give me DPA details as I no longer have the account number - now I know what to say to both arguments!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Acknowledgement of my complaint against CB arrived today from the ICO.

 

--- --- ---

 

16th May 2006

 

Dear Mr JMio,

 

Thank you for your correspondance regarding Clydesdale bank.

 

The matters you raise will be allocated to one of the Commissioner's Compliance Officers who will give detailed consideration and respond accordingly.

 

I should point out that we do have an amount of correspondence awaiting allocation. We will, however, make every effort to give you a substantive response as soon as possible.

 

Should you wish to contact us regarding this matter please be sure to quote the following reference number:

 

RFAXXXXXX

 

Failure to do so may delay the processing of your request.

 

Yours sincerely

 

DP Case Reception Unit

The Information Commissioner's Office

** 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

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Sending this to CB, now that I know the ICO have got my complaint:

 

--- --- ---

 

Regulatory Compliance

3rd Floor

The Athenaeum

8 Nelson Mandela Place

Glasgow

G2 1BN

 

 

18th May April 2006

 

DATA PROTECTION ACT DISCLOSURE REQUEST

 

Dear Gordon Watt,

 

Account Number: 30036330

 

I refer to our conversation on the 11th May 2006, regarding my request (submitted along with statutory £10.00 fee on the 10th April 2006) for all charges & transactions relating to my account since it’s opening.

 

During our conversation, you said that Clydesdale Bank’s interpretation of the Data Protection Act 1998, does not cover details of transactions on my account prior to July 2005, and as such you are not prepared to provide this information.

 

You also refused to reveal why it is the case that you have been willing to provide this information to Mr Homer_J another customer of the Bank’s.

 

Due to both your own and your organisation’s continued refusal to comply with the terms of the Data Protection Act, and attempts to stall my enquiry, I have been left with no alternative than to act upon the advice of both the Information Commissioner and the Bank Action Group, and lodge a formal complaint with the Information Commissioner (acknowledgement letter received from the ICO this morning).

 

Please be aware that as of today you have a remaining 12 days in which to provide me with the information requested with my letter to you on the 10th April 2006, and as such I expect this to arrive before the expiry of this deadline.

 

 

Yours faithfully,

 

JMio

 

 

CC – Elaine Notman, Branch Manager, Festival Square, Edinburgh, EH3 9BY

CC – Network Support, 20 Waterloo Street, Glasgow, G2 6DB

** 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

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Right!!

 

Just spoken to our Mr Gordon Watt, ooooh that was nice - I could almost hear the sound of his sweaty cheeks squirming around in his chair throughout my conversation! THAT alone was priceless!

 

Anyway, the jist of it is, that (as expected) he refused to comment on another persons case (Homer_J's), refused to even look at the case after I asked him too because I was fed up of his 'I don't have the details to hand' spiel.

 

This guy clearly is not used to dealing with customers (expecially assertive & irate ones at that!), which probably explains why his phone number, isn't published on his letters... Ooops - bit of a shame someone's left it on the previous page of this thread then eh!?

 

In short - he's left me with little choice than to wait on the ICO to get involved, and I'll also be lodging a complaint with the FSA.

 

 

*** MY ADVICE TO ANYONE IN THE SAME SITUATION ***

 

If I was going to approach the CB again, I'd do this:

 

-- DPA Letter along with £10 as normal (recorded delivery).

 

-- When they send you their standard "£5 per copy statement" letter, send your reply to BOTH the branch & Neil McKirdy (Customer Relations Manager - address is on this thread), stating that if they don't provide ALL of the information that you requested within the 40 days, you'll go to the ICO.

 

-- When you get their standard letter (probably from Fiona Hutton or someone else at Network Support), saying that they're only going to send you details from (circa) July 2005 under their interpretation of the DPA, and that everything else comes a a £5 per statement cost - Phone the ICO, fill in their Complaint Form and get them involved. This Gordon Watt guy (despite his best efforts) made it perfectly clear that he was very uncomfortable about my threat to go to the ICO & FSA - SO DO IT!!!

 

The people on the ICO DPA Helpline are very very helpful - DO NOT hesitate to give them a call for advice - they really couldn't be any nicer!!

 

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

Again - good luck and keep us all updated!

 

I bet he was lol.. He must really love me - I hope he gets called as a witness to my case so I can ask him about his blatent disregard for the DPA. I find it virtually unexplainable why they are doing this knowing that the ICO will tell them to do it. I guess the only explanation is that it reduces their liability through the Limitations act.

 

If you are going to follow the good avice above, I would make it clear that if the first response is that you are not entitled to this, you will make immediate complaint to the ICO rather than wait the 40 days for it to not turn up.

 

Anyway, we stand together in this and we will triumph I am sure.

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JMio

Are you saying Clydesdale still have 12 days left in which to comply.

If you made your DPA request on 10th April, their time runs out in 2 days

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JMio

Are you saying Clydesdale still have 12 days left in which to comply.

If you made your DPA request on 10th April, their time runs out in 2 days

 

I was under the impression that it was 40 working days? If it's not then game on!!

** 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

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Definitely 40 days.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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I was under the impression that it was 40 working days? If it's not then game on!!

 

Most definately 40 days - go get em tiger! lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Just found this thread - should have typed CB into search about two months ago.

 

I have sent all the letters although not talked directly to anyone as all correspondance was by letter and no one at the branch wanted to discuss. The manager just said I had to take it up with Network Support in writing.

 

Final letter stated "The information you requested falls outside the scope of the Data Protection Act as our records prior to July 2005 are only accessible via a combination of electronic and manual means. The latter is not referenced by criteria relating to individuals, but rather branches of the Clydesdale Bank. We therefore consider that this does not constitute a relevant filing system, as defined in section 1 (1) of the Act, and that this information is outside it's scope.

 

We hope that this satisfactorily................"

 

I am now going to phone Information Commisioner and lodge my complaint and join the party!

 

I have the last four years of statements on file - however before this time I have no records and i'm sure a lot of fines were paid to CB at this time.

 

No for Alliance & Leicester.

 

Thanks for the info

 

Andrew

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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

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Just found this thread - should have typed CB into search about two months ago.

 

I have sent all the letters although not talked directly to anyone as all correspondance was by letter and no one at the branch wanted to discuss. The manager just said I had to take it up with Network Support in writing.

 

Final letter stated "The information you requested falls outside the scope of the Data Protection Act as our records prior to July 2005 are only accessible via a combination of electronic and manual means. The latter is not referenced by criteria relating to individuals, but rather branches of the Clydesdale Bank. We therefore consider that this does not constitute a relevant filing system, as defined in section 1 (1) of the Act, and that this information is outside it's scope.

 

We hope that this satisfactorily................"

 

I am now going to phone Information Commisioner and lodge my complaint and join the party!

 

I have the last four years of statements on file - however before this time I have no records and i'm sure a lot of fines were paid to CB at this time.

 

No for Alliance & Leicester.

 

Thanks for the info

 

Andrew

I asked yorkshire bank 2 wks ago for statements(recorded delivery)had to wait 10 days ,for them to arrive.sent letter 19th may for money back ,received letter today 26th may ,I thank you for your patience in this matter,I dont hav any .but next wk I will put claim in county courts,they do this so you get fed up and give up.Dont ,they dont like people fighting back,there bully's,if you hav children you would tell them to stand up so you do the same.
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Letter arrived from the ICO this morning:

 

--- --- --- --- --- --- --- --- ---

 

Reference: RFA0117025

 

Dear Mr JMio,

 

Thank you for returning your Complaint Form dated 28th April 2006 in which you have complained about the processing of personal date by Clydesdale Bank.

 

Complaints such as this are treated as 'requests for assesments' under section 42 of the Data Protection Act 1998. When we receive a request for assessment, in most instances we have a duty to assess whether it is likely or unlikely the the processing in question has been carried out in compliance with the Act. However, we have discretion as to how we carry out the assessment and as to what action, if any, to take. These decisions are based on criteria set out in our Policy on Handling Assessments, which is available on our website.

 

I have contacted Clydesdale Bank for further information to enable me to conduct an assessment. I am currently awaiting its response and I will of course contact you once I receive a reply. In the meantime if you have any further information that you feel may be of relevance, such as further correspondance between yourself and the Bank please send copies of it to the Office, quoting the above reference number.

 

Thank you for your patience in this matter.

 

Yours sincerely

 

 

Claire Naven

Casework & Advice Officer

** 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

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Well at least they are contacting them but they don't seem too worried about the situation. Let's hope CB don't manage to fob off the ICO, and persuade them not to take any action. What is the point of having a watchdog if it is just going to roll over to have its tummy tickled!:confused:

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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.

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This is a standard response from the ICO to let you know that they've now started looking in to it. Doesn't really mean anything other than they've written to Clydesdale and are awaiting a response.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Not really much else I can do at this stage is there? I'll give the ICO a ring tomorrow and advise them that the Clydesdale HAVE provided this information to at least one other of their customers (Homer_J), never know it might be of some help.

** 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

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Not really much else I can do at this stage is there? I'll give the ICO a ring tomorrow and advise them that the Clydesdale HAVE provided this information to at least one other of their customers (Homer_J), never know it might be of some help.

 

Was this information for Yorkshire Bank or Clydesdale?

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Good question, I think it was Clydesdale though...

** 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

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Hi JMio,

Sory to hear you've not had much luck with the CB and their refusal to gave backdated statements.

I've fallen off the wagon a bit with this - had redundancy notice and had to dedicate my time to getting a new job. Which I did - start next week.

Let me know if theres anything we can do.

Mo

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Hiya, congrats with the job.

 

Have you managed to get hold of your statements from Clydesdale yet?

** 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

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What I really don't understand here are the "How's" & "Why's" of some folk getting their pre Jul 2005 statements with no fuss & others being led on this merry dance.

 

Is there maybe some common denominator here?

 

We got our YB statements without a problem.

Our account is now closed.

The claim is over £2K (so it isn't because it was a small claim).

I dealt with Fiona Hutton.

DPA request was sent to my local branch with payment on 18 April.

Statement range is Feb 02 - Feb 06.

At no time did I mention claiming back charges while asking for the DPA info.

 

What route did everyone else take?

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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I think it's getting hold of Current Account for Clydesdale bank customers (not YB) statements that's proving to be the problem.

 

I've had confirmation from CB that they'll send my all transactions from my Credit Card account, but only from July 2005 from my Current one.

 

Yorkshire Bank customers (as far as I'm aware) don't seem to be having much/any problems with getting their Current Account details.

 

I'm now awaiting intervention from the ICO, but what kind of success this will bring I'm not sure.

** 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

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Please note that this topic has not had any new posts for the last 5255 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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