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clydesdale bank delay tactics


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i have waited nearly 90 days now for subject access request, and have still not received statements, i have just filled in I C O, complait form, after numerous phone calls to branch and letters i have still not got statements, was want to know if anyone has been in similar situation as myself with the banks, and how long it takes I C O, to investigate this matter.:(

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The ICO are dealing with complaints in monthly bundles at the moment as they are receiving so many of them. As stevo said you need to make sure you followed the correct procedure and just be patient.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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do u think once i get statements i should use a company to act on my behalf as i stay in scotland it is more difficult claiming more than £750, i believe my charges are in thousands??

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Is it a business account you're claiming for?

 

If its over the summary cause limit of £1500 then I would seriously consider using the FOS to claim it all back.... the bonus is the bank get charged £400 for every complaint lodged with FOS and you don't stand the chance of incurring any court charges if anything goes wrong :)

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if its not a business account then as far as I'm aware you wouldn't be able to use a company to claim... yes the FOS can take longer but if I was you and my claim was for thousands then I would def use the FOS.... limits your chances of accruing court charges like I said in the event of things going wrong... u have to have had a definate decline from the bank to refund the full amount of your charges and if I'm not mistaken then the FOS will take it up for you 8 weeks after you're initial letter to the bank..... in addition to this if your claim is over the summary cause limit of £1500 then there are now alot of courts not accepting multiple claims for the same account so unless you are willing to employ a lawyer to pursue your claim through an ordinary cause you may be limiting yourself to the amount you can claim back.... in my opinion the FOS would be the best route for you...... after all if you've done without the charges for so long now then whats another couple of months :D:D

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yes i tottally agree with you, i cant even get statements off them, so i take it when i go for charges back i will get a big fat NO!!! yep i suppose i have nothing to lose using obudsman and i have heard courts up here not entertaining multiple claims. few people i know send template letter off asking for charges back and they gettin the money within weeks, i dont see this happening with clydesdale bank!!!!

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Luck of the draw.... I'm with Lloyds.... know people who have had charges back after first prelim letter, others after sending LBA.... unfortunately it looks like mine is one going right to the wire :(

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