Taking Clydesdale to court

[Aneles]

I have sent away the first letter to my bank claiming unfair bank charges, received letter back saying not entitled etc along with a leaflet Addressing your complaint (Im with clydesdale bank). I therefore am unsure what to do next, do I send the second letter to my branch (like I did with the first one or send to head office) Also is there a template available for second letter? Any help very much appreciated!!

[sarahpp]

Hi

 

You may have more luck posting in the Yorkshire & Clydesdale section.

 

It looks as if you have sent your prelim off . Give them 14 days from date they received it and then send your LBA off (template in the library) You then have to allow another 14 days before filing your court claim. Send them both to head office.

 

Hope this helps

 

Sarah

[andrew1]

Aneles, before you get clobbered by the Mods - have you read the FAQ's? there is a step by step guide to getting everything you need to get your money back. Once you've spent a few days going through all those and then another few days reading some of the threads and have started posting the responses then you'll be inundated by enthusiastic and very helpful people helping you through every step of the way.

 

Welcome to the site, you might not see us but we're watching!

[Aneles]

After sending my second letter re claiming for unfair bank charges I received a very long detailed letter and a cheque for £433-half of the amount I was claiming for. My querry is do I just accept this or do I fight for the whole amount. I was expecting a letter offering me this amount first and not the actual cheque. The letter sounds like I should accept as states that i could take them to court but likewise They could do the same to me for breach of contract in failing to adhere to to the terms and conditions of the account. Any advice gratefully received.

[lesser1010]

write and tell them you accept the payment as part payment and persue them for the rest.there are always thinly veiled threats with their letters.

[andrew1]

After sending my second letter re claiming for unfair bank charges I received a very long detailed letter and a cheque for £433-half of the amount I was claiming for. My querry is do I just accept this or do I fight for the whole amount. I was expecting a letter offering me this amount first and not the actual cheque. The letter sounds like I should accept as states that i could take them to court but likewise They could do the same to me for breach of contract in failing to adhere to to the terms and conditions of the account. Any advice gratefully received.

 

 

Yes Lessers right, you need to write and say that " Thank you very much for their offer which you are happy to accept as a part payment towards your claim but you will continue with your claim through the court for the balance in full, unless they would like to settle before then "

 

That's the spirit!

[Aneles]

Thank you, i think thats what i'll do. As i said their letters make it sound as if im totally unreasonable for asking to be refunded for charges which were applied through my fault, but then why pay anything then?!

[andrew1]

As i said their letters make it sound as if im totally unreasonable for asking to be refunded !

 

 

They would wouldn't they !

[Aneles]

Ok, do I cash cheque asap or wait till the whole thing resolved? Are they correct in saying they could take me to court for breach of terms and contract? as I dont wont to go down that road!!

[andrew1]

Ok, do I cash cheque asap or wait till the whole thing resolved? Are they correct in saying they could take me to court for breach of terms and contract? as I dont wont to go down that road!!

 

 

As long as the cheque's not been issued with a full and final statement attached.

What was this ' detailed letter' all about?

 

I'd hold onto the cheque for a day or two until we are quite clear what the conditions were. I hardly think they are in a position to take you to court for breach of contract when they are breaching the law? Someone else might like a take on this one but I think it's just scaremongering.

[Aneles]

Is there anyway I could email a copy of the letter to you?

Thanks your advice is much apreciated

[andrew1]

I've pm'd you my e mail address.

[lesser1010]

i think andrews right,sounds like scare tactics to me.

[Aneles]

Hi Im another Newbie so please be gentle with me!! My situation is this: After two letters to the Clydesdale SCOTLAND I received a cheque for half of the amount owed, after advice from this forum I was told to accept cheque but say that I would still persue claim for full amount. The letter stating this was sent saying that if i failed to receive/hear within 14 days I would proceed with claim, 14 days is now up so going to proceed, went to do this online but says that organisation has to be in England/Wales, so whatwith Clydesdale being in Scotland couldnt proceed. Help!!

[Robertxc]

You can use MCOL if you're in England or Wales, even though Clydesdale are in Scotland. The important thing is that you have an English or Welsh address for service.

[Aneles]

I would prefer to do it online but because of the Clydesdale address being Scotland cant, is there another address for Clydesdale that I can use to enable me to use this service, thanks,

[Robertxc]

If your branch is in England, I believe you can use its address.

[bearo]

2 threads merged, please try to stick to one thanks!

[Aneles]

Yes OK Shaz Im new to all this so was genuine mistake!!!!!