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Walker vs Clydesdale Bank (Scotland)


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Dear All,

 

I am going to complete my SAR form but unsure where to send it to, can someone please advise?

 

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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Thanks Cash......Scott....:)

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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  • 1 month later...

I have charges on my account called Service Charge and Arrangement Fees, can these be claimed back? They always seemed to appear after i went overdrawn.

 

Regards

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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HI there,

 

Thanks for letting me know, i just notcied every month they would charge £8.50 and then interest as well.

 

Regards

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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Can someone advise if i can submit a claim for my Current Account and Credit Card together as they are both with the Clydesdale Bank? I have all my statements from both accounts but not much to claim on my Credit Card but more on my Current Account. I also wondered if i can go back further as i have statements going back 10 years?

 

Regards

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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Is there anyone out their tonight to answer the above questions?

 

Regards

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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I am claiming from BOS for credit card and current account but I decided to split them as they have different head offices. On the claim from the last 10 years if you have the information and have not already requested payment then you can but remember you will have to argue the case to get past the 5 year limitation in Scotland. If you have already requested payment of charges then resubmit the letter with the new dates and charges stating that this letter supersedes my letter dated xx/xx/xx in bold print at the top of the letter.

Advice given is purely my opinion, and is not based on any legal training.

BOS Credit Card...........................Hearing Date 07/02/07

Full Settlement..............................13/02/07

BOS Bank Account .........................total charges £8,655.92

1st offer..............................................£1620.00 01/12/06 Rejected

2nd offer.............................................£3255.00 03/01/07 Rejected

Summary Action victory.................£1499.02 22/03/07

Full and Final offer............................£7,200 19/04/07

Pict...............

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Pict,

 

Thanks for that, I will claim for both at the same time as the address I requested the Data is the same for both. I have gone far back as 1998 but are you suggesting it is harder to claim for this? I was under the impression if I had the statements I could include these?

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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I'm not suggesting that you can not claim but the defence from the banks will be that you are outside the 6 year limitations act or 5 year for Scotland but people are now trying this. I am also claiming further back than 5 years but following a conversation with the bank today I fully expect to be going to court to argue this case.

Advice given is purely my opinion, and is not based on any legal training.

BOS Credit Card...........................Hearing Date 07/02/07

Full Settlement..............................13/02/07

BOS Bank Account .........................total charges £8,655.92

1st offer..............................................£1620.00 01/12/06 Rejected

2nd offer.............................................£3255.00 03/01/07 Rejected

Summary Action victory.................£1499.02 22/03/07

Full and Final offer............................£7,200 19/04/07

Pict...............

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Pict,

 

Thanks for that, one last question tonight, which spreadsheet did you use as I have a few and all calculate them slightly different?

 

Regards

Scott

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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I have used the simple spread sheet link: http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xls

Some people are going for contractual interest which I thought about but I decided to keep it simple and only claim back what they have taken from me.

Advice given is purely my opinion, and is not based on any legal training.

BOS Credit Card...........................Hearing Date 07/02/07

Full Settlement..............................13/02/07

BOS Bank Account .........................total charges £8,655.92

1st offer..............................................£1620.00 01/12/06 Rejected

2nd offer.............................................£3255.00 03/01/07 Rejected

Summary Action victory.................£1499.02 22/03/07

Full and Final offer............................£7,200 19/04/07

Pict...............

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Bankfodder,

 

Have sent a message to you and would be grateful if you can get in touch, thanks in advance.

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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hi peeps, new to this..sorry if i ramble on lol

anyway, im looking into claiming bank charges from a clydesdale bank,i dont have my last 5 years statements,so i guess thats my starting point.# from my branch. what i dont know is that once i have my information together, where do i send my first letter to reclaim the amount of charges? do i stick with communicating with my branch or do i send my letters to the head office in glasgow??

As i am only getting started i need all the help i can, please help

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  • 3 weeks later...

I have now received a letter from the Clydesdale Bank telling me that is is up to me, e.t.c. They have also advised that this is the end of the matter. It has passed 14 days so do I now submit the Letter Before Action. My concern with this is that the letter seems to have been written in the way of no response from your Bank. Do I still submit even though they have stated they will not refund?

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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I have now received a letter from the Clydesdale Bank telling me that is is up to me, e.t.c. They have also advised that this is the end of the matter. It has passed 14 days so do I now submit the Letter Before Action. My concern with this is that the letter seems to have been written in the way of no response from your Bank. Do I still submit even though they have stated they will not refund?

 

Hi Walker

 

Could you clarify what you mean by the underlined bit? I am going to be raising a claim with CB as well and have sent away for my data (complete with cheque).

 

Are they telling you it is up to you to gather the information?

 

Cheers,

Ally

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Ally,

 

The reply from the Bank was that it is up to mr to keep my account in order and they will not repay the charges, that is what the underline section means. You send the S.A.R - (Subject Access Request) form with your £10 fee and they will supply all your statements within 40 days.

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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Cheers Walker. I just got a bit confused. :confused:

 

I've sent off my SAR with cheque on 9th Feb so they have a while yet to get back to me. It looks like what you got was a standard letter designed to put off lesser mortals!

 

Ally

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  • 4 weeks later...

Dear All,

 

I am now at the stage that I need to obtain a Court Order against the Bank. Am I right in saying I will be able to goto my Local Court and obtain the documents I need, take them home and then go back to the court to submit my claim?

 

If someone would be kind enough to reply I would appreciate their help.

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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  • 2 weeks later...

Still no answer to the above, would be grateful if I could have an answer from someone who can advise what steps are needed now.

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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Hi Walker, go to Scottish Courts Home Page and download the forms you need, fill them out on your pc then print them and off to court you go. Good luck.:D

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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How much are you claiming? Upto £750 it is small claim form you need, between £750 and £1500 it's summary cause which carries more of a risk, over £1500 it's Ordinary action which means you would be better getting a lawyer, but if you have access to an English address the small claim limit is £5000.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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Hi there,

 

It is around £800 so I will go for the 2nd option which I am looking at just now, i'm trying to work out which document I need to download a fill in. Getting slightly confused but hunting through them just now. Thanks for your help, I really appreciate this.

Regards

Scott....:)

 

Lloyds TSB Credit Card & Select Account

20/12/2006 - S.A.R - (Subject Access Request) Form Submitted (Recorded Delivery)

01/02/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Submitted (Recorded Delivery)

16/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Clydesdale Bank Credit Card & Current Account PLus

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery)

26/01/2007 - Bank Statements Received

03/02/2007 - Prelim Letter Form Submitted (Recorded Delivery)

10/02/2007 - Response Received (No Refund)

20/02/2007 - Letter Before Action Form Submitted (Recorded Delivery)

 

Sainsbury Bank Credit Card

20/12/2006 - S.A.R - (Subject Access Request) - Form Submitted (Recorded Delivery

27/01/2007 - Bank Statements Received

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