Sorry, It is Clydesdale Financial Services.

Hi there, Just thought I would say something about my ongoing dispute with Clydesadale Financial Services. I called them back in July to rearrange my payment date on my loan, which I am entitled to do. I confirmed twice over the phone with the woman I spoke to that the payment would not then leave my account until Oct. 1st and I was advised to cancel my direct debit with my bank to be safe. A week later, and I received 2 letters from Clydesdale - one charging me £20 for cancelling my direct debit, and the second charging me £22.50 for a late payment. I called Clydesdale and asked why they had charged me after informing me that the payment would not be requested and advising me to cancel my DD, and confirming that the next payment was not due until the 1st October. The manager that I spoke to said that the change did not come into effect until after the September payment date. After informing him that I had confirmed back twice with the operator when I initially made the change he then accused me of being a liar and said he was not prepared to investigate the matter or listen to the call. A week later I received another letter, charging me a further £22.50, due to late payment. Again I called and complained and asked them to note that I was making a formal dispute. I also explained, using information on this site, about how these charges are unlawful and asked them to refund them otherwise I would be taking further action. The woman on the phone said she would look into it and that all the charges would be refunded (after saying that she had noted it on my account). Another week later, and another letter charging me £22.50. And today, I received ANOTHER letter charging me £22.50. Outraged, I called Clydesdale again and spoke to a guy named Paul. He refused to put me through to a manager, saying that he had made an "executive decision" not to do so and it was up to him whether or not to let me take it higher. He also said that they are allowed to charge whatever they want for their services and there is "nothing you can do about it." This is absolutely disgusting! Has anyone else had a similar experience with these people? P.S - In the letter it stated that they will be charging me a further £22.50 every 10 days until I pay them my "overdue payment" - which, according to the initial agreement I made on the phone, doesn't exist!

Hi there, Just thought I would say something about my ongoing dispute with Clydesadale Financial Services. I called them back in July to rearrange my payment date on my loan, which I am entitled to do. I confirmed twice over the phone with the woman I spoke to that the payment would not then leave my account until Oct. 1st and I was advised to cancel my direct debit with my bank to be safe. A week later, and I received 2 letters from Clydesdale - one charging me £20 for cancelling my direct debit, and the second charging me £22.50 for a late payment. I called Clydesdale and asked why they had charged me after informing me and confirming that the next payment was not due until the 1st October. The manager that I spoke to said that the change did not come into effect until after the September payment date. After informing him that I had confirmed back twice with the operator when I initially made the change he then accused me of being a liar and said he was not prepared to investigate the matter or listen to the call. A week later I received another letter, charging me a further £22.50, due to late payment. Again I called and complained and asked them to note that I was making a formal dispute. I also explained, using information on this site, about how these charges are unlawful and asked them to refund them otherwise I would be taking further action. The woman on the phone said she would look into it and that all the charges would be refunded (after saying that she had noted it on my account. Another week later, and another letter charging me £22.50. And today, I received ANOTHER letter charging me £22.50. Outraged, I called Clydesdale again and spoke to a guy named Paul. He refused to put me through to a manager, saying that he had made an "executive decision" not to do so and it was up to him whether or not to let me take it higher. He also said that they are allowed to charge whatever they want for their services and there is "nothing you can do about it." This is absolutely disgusting! Has anyone else had a similar experience with these people? P.S - In the letter it stated that they will be charging me a further £22.50 every 10 days until I pay them my "overdue payment" - which, according to the initial agreement I made on the phone, doesn't exist!

Hi everyone, have just been told about this site by a friend of mine who succesfully received a refund of approx 4500 in bank charges. For years now I have been putting up with charges from my bank, as well as huge charges on credit and store cards and loans. At the time I accepted many of these; a lot of them were due to my inability to pay while I was unemployed. However I have now had enough - I received a letter through the post today from Clydesdale Financial Services informing me that they are charging me £42.50. Why? Because I called up to move the payment date, and despite being told that the next payment would not go through until the date I had specified, they had tried to take it. They charged me 22.50 for an overdue payment (which they told me wasnt due anyway) and 20 pounds because I cancelled my direct debit with my bank (just to be on the safe side - looks like i made the right decision). When I called up and requested a refund, I was politely told to go away and then accused of being a liar. Since that call, I have basically decided to pursue claims against... Clydesdale Financial Services Natwest Offshore (the amount of money they have made out of me in the last 6 years is surely in the thousands) Barclaycard (They have charged me hundreds on my credit cards due to late payments) Argos (see Barclaycard) Style Financial Service (again, massive charges). Now, the problem is that due to various house moves over the years I no longer have all of my statements in order to calculate exactly how much I need to claim, and Natwest have informed me that for any copies of statements they will charge me 10 pounds per sheet - for 5 years of statements that is a LOT of money. Does anyone know a way around this? Im guessing that the other companies I am with probably have similar charges...