Jump to content


  • Tweets

  • Posts

    • Yes almost Stature Barred. Which means? So basically I wait and see what happens?  Yes i believe so and is this a new 1 upon you guys? 
    • Should have ignored them from day one    Never give them pers financial details only a judge can demand said    Send them a cca request They'll never have a signed agreement. Bye bye debt   dx    
    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
  • Recommended Topics

  • Our picks

  • Recommended Topics

Andy-T v Clydesdale Bank


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5196 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

Hope it works out for you to Andy, i would get in touch with the FOS Too, because i rekon the bank will probobly fob you off the same way they did to me - my rubbish £200 check, my charges that were put on my account are exactly for the same reasons as you, being stupid with my overdraft! x same amount also too, what were we thinking lol x

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

Have been reading round some of the FAQ's and still can't find the answers to the above issues, if anyone even point me in the right direction?

 

Also, it just occured to me, while I don't have statements going back 5 years, I do have them from the start of the year. At this early stage, would it be un-reasonable to write to the bank with a preliminary approach for an estimated refunded calculated on the basis of what i've been charged over the last four months?

 

I realise this makes a sweeping assumption that I've been charged consistently throughout the last 5 years though in light of the clydesdales failure to comply with the SAR, surely it is up to them to disproove the accuracy of the figure?

 

Andy

;) Hiya Andy,

regarding your bank statements, I requested the Yorkshire Bank statements, but for the HSBC statements I used my Internet Banking which allows you to go back the 6years, this takes away 40days waiting.

PS. hope this helps you out.

junkimunki x;)

Link to post
Share on other sites

  • 2 weeks later...

Ok Guys,

 

Could do with a little help if anyone can?

 

I've double checked through all my statements and im confident I've got all he charges listed. The only thing is I closed my account at the start of June as Clydesdale were repeatedly charging me and I couldn't keep up. Unfortunately it also means that I havn't been sent my May Statements which I really don't want to miss off my claim as there was a considerable volume of charges clumped into the month. Also, as the account is now closed, I can't even use Internet Banking to get the info.

 

So.. Is there any way to get this information from them? I would grudgingly pay the £5 per sheet standard dup statement cost as it's only a single month but would this mean I have to wait another 3 months for them to print or can they be requested in the branch over the counter?

 

Andy

Link to post
Share on other sites

hi i am now at 130 days and still no statements!!! i have complained to commissioner and they have still done nothing!!! phoned the commissioner last week to say they still hadent sent me my statements they said there wasnt much more they could do!!! so i phoned ombudsman who said they will take my case on and that i dont need my statements to pursue the bank for charges, got letter off bank yesterday saying they will be investigating my complaint and will be in touch when they reach a conclusion, ive waited this long so they better not try fob me off with £200!!

Link to post
Share on other sites

ok guys!! i spoke to the FOS about my claim, they told me to send the £200 check back to the bank /solicitor last month which i did, they were going to try and get me the full amount instead!! they have been in touch with the bank and there now refusing to give me any money!!!! so its now in the banks hand to supply the FOS Detailed reasons why they should not be giving me my money back!! :( this could take up to 6 weeks!!! - if all fails i will take them to court!! i will have all the info i need by then!! its soooo obvious they are in the wrong!!! x

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...