Citybloke, are you able to update us on how you got / getting on. Thanks

I have contacted them(Information Commissioner), they were most uhelpful. They just replied stating give them more information. Gave name, dob, address account was held at, dates and branch it was held at. Every reply Clydesdale give is a request for the account number. they kept sending the tenner PO back(which sugests they will make no attempt to retrieve the info without an account number). This issue also involves a house repossession - would there be a court record of this somewhere. I am about to S.A.R - (Subject Access Request) the solicitors involved - when they were asked for info they say they dont have any info. the more i look at this it looks my mate was stiched up. It is my intention to submit the court action on friday the 18-07-2008. I have already sent a LBA weeks ago. So I was hoping to include as much as possible against this shower - in particualar evidence that they can find stuff without an account number - but i will start the action without because it seems that the Data Protection act does not require any individual to provide an account number. Therefore this suggests that the info should be stored in a manner that means it can be retrieved with names and DOB, etc. Happy for any comments, and thanks to those who have already commented - it is appreciated. Cokezero

Has this idea just gone away? Shame of it has. Especially now my Credit Union is taking business from BCW Group employees!

Depends on which Bank they will be linking up with to offer these accounts. Pointless if they are just drumming up business for the gready bassas.

Dear all, I am a member of the Glasgow Credit Union. I have just been Informed that they have done a deal with the BCW Group. My friend who told me this (and i have confirmed this on the GCU web site) has made an initial complaint to the GCU and he is intending to put his complaint in writing to the CEO of the GCU. The GCU have done nothing legally wrong here, however as a Credit Union how can they morally deal with a group like BCW Group or their employees. Debt collection Agencies have driven people to suicide over debts by the methods they employ to harass debtors. How can a Credit Union, which was set up to provide people with responsible lending and in particular to remove people from the worst elements of the debt industry justify such a link up. If the Co-op can ask groups to find other accounts because they disagree with that groups views then surely a Credit Union could stop supping (no matter how long the spoon) with an organisation which is the antipathy of what a Credit Union should stand for? I would be interested to hear others views on this - am I being way to sensative, etc. Also if you agree with me please do like I am doing and lodge a complaint with the GCU against this tie up with BCW Group.

Sorry if I am being a bit slow here but are they saying the juristication is based on when you took out the loan or when the loan was settled??

Dear all, I will be searching the forum, but thought I would also asked has anyone gotten information about a closed account from Clydesdale Bank without having an account number?

And dont forget to give yourself a pat on the back, your actions in carrying on give the rest of us good reference points, as well as inspiration. Which I hope you will use to support others once you have won. Good luck.

Hi everyone, I today received a reply from firstplush and is as follows: would you all be kind enough to make comment and ask me questions on this below so that I can begin putting togeter my response. Just to say the conversation they claimed took place on the 6th July 2xxx, 5 days after the agreement was signed and sent - just never took place between me and firstplus also the inference that they were re-iterated suggest they had a previous conversation is just a plain lie, they never discussed any aspect of this with me. Would it help if i Posted a copy of the agreement. Also the PPI box was ticked for us and x's Marked as to where we were to sign. Dear Ms Cokezero, In my previous letter I promised to provide you with a full response to your complaint as quickly as I could. I am now able to do so. My understanding of your complaint is that you felt you were mis-sold your payment protection insurance policy due to the fact that you believed you had to take the insurance for the loan to be approved; that you were unaware that this was a single premium policy; that you were not given a copy of the policy information; that your cancellation rights were not explained ; that the refund offered was not pro rata and that we failed to advise that you could buy a monthly policy elsewhere? Please let me know if you have misunderstood. I have completed my investigation into your concerns and the conclusion of my review is that I am unable to uphold your complaint. I would like to explain the reason for my decision below. Please find enclosed a copy of your credit agreement. This agreement shows that the insurance is payable as a single premium and the fact that it is optional could not be clearer. The total cost of the loan and the interest rate applicable are clearly stated and you have ticked the box saying you wished to opt for the payment protection plan, before both signing the agreement on the 01 July 2XXX. Clause 12 of this legal document states that by signing the agreement you have acknowledged receipt of the details and limitations of the policy. This information was provided for you in the form of a policy booklet, a copy of which I note was recently sent to you. Since you did sign the agreement I am happy that this booklet was received by yourselves; contained within are your cancellation rights, exhaustive details about the policy and specifically that if you settle you loan before the end of the insured term you will receive a partial refund of the premium. Moreover, this refund will not be proportional and will be substantially less than the amount you originally paid. If you were not happy with these terms then you had 30 days from the commencement of the policy in which to cancel and receive a full refund of the premium. The document emphasises the importance of understanding the cover and advises that if you have any questions at all call us for clarification. I hope you can understand why we would not sell products sold by other companies; the fact that the policy was optional is clearly stated and you were free to purchase other cover at any time should you have wished to do so. Further more, prior to payout of the loan, we called and spoke to you and your husband on the 6th july 2xxx to confirm the details of the loan once more. During these conversations, you both confirmed you have chosen to take the optional payment protection insurance policy. The main exclusions that applied were carefully re-iterated for you and you were asked if you had any further questions: you both indicated that you were happy with all the information with which you had been provided. I hope, given the aforementioned evidence, that you can understand why I have not been able to uphold your complaint on this occasion. I am sorry if this is not the answer you wanted, but I hope that my explanation is helpful. Our aim is to receive all complaints internally, although we recognise this may not always be possible. Financial services complaints we cannot settle may ultimately be referred to the Financial Ombudsman Service. However, before that option becomes available to you, if you would like to talk about this further, or remain dissatisfied with our response and wish to escalate this internally, please call me on x. You may also find it helpful to make use of the Finance and Leasing Associations conciliation scheme to resolve your complaint. We are a member of the FLA and are bound by their lending code. I will keep your complaint file open for 8 weeks so you have time consider my response. If I have not heard from you by then I will regard your complaint as closed.

They are

Ok had a reply from FP in which they say they are investigating and will respond as soon as but no longer than 21 days - despite the fact I gave a timescale of 14 days. Should I push my timescale or give them the 21 days (at most)? I will attempt to scan their reply tonight and post it for all to see. Cheers

I think you should get this done I had an HP agreement and seemed to just keep totaling up arrears, then i got a default notice which stated that i had £100 left to pay. The next letter I got showed I owed £634 outstanding arrears if i only still owe £100 then how can I be in arrears of £634. Truth is I aint they have been adding outrageous charges. So the suggestion that you SAR them seems to me like a suggestion you should follow. Good luck.

I understand what you are saying about this site. And there is a lot of good work that goes into others getting first class support and information. This support is more significant as Ii am sure you will understand when people need support of this type of - i think you will know what I mean. Any cheers for your encouragement and I will keep you posted. I think I will start over the weekend drafting a letter in regards rule 78 etc (Thanks Johnny Insider).

Thanks Goldlady your encouragement to others accross this board is superb, But its not my letter, rather one that I have adapted.

I was wondering if there are any connections with the buy and rent back mobs with some of the lenders who are the more vigorous in persuing repossession actions???? Surely the responsible credit industry would never, would they?????