That was the best telly viewing I've seen in a long time, a very big thank you to the brave lassies that went undercover to make the programme! I won't be complaing about paying my TV licence fee any longer if the BBC continue to make quality programmes like this!

Well my S.A.R safely arrived today(2 days late)! I'm stunned to see how much all the penalty charges added up to. The charges come under different names and I'm not sure if I can claim them all? One failed cheque charge,£34. One failed bill payment charge,£34 Twelve failed direct debit charges,(Three at £30,Nine at £34)Total,£396. Sixteen paid item charges,£25 Total,£400 Twelve unauthorized over draft charges,£25 Total £300. A grand total of £1,164.00 I'm in a difficult situation here as their legal dept are hounding me for £1,800. I'm currently going through the process of having a trust deed set up to manage my debts, and they were included in it! Anyway,It's off down the summery cause court route for me as the charges exceed the £750 limit!

Just off the telephone to A&L regarding my S.A.R. and when should I expect it to be delivered to my address? Nice woman on the phone states that nothing is showing up on her computer but promised that she'd contact the appropriate department to chase them up! Only 2 days left until deadline! Or should I give them until the end of the week?

Hi Del, If you don't mind me asking, how did you find out if your postal order had been cashed? I'm just of the phone to the royal mail to check if mine had been cashed but they state they can't tell me anything! Instead they said I need to go to the post office to fill out a claim form? Think I've been given the run-a-round here!

Still no S.A.R received yet, deadline is next Wednesday 24th! I got my credit reference file yesterday and I see the cheeky beggars added a default to it! I know there's a letter in the template library I will use to demand removal of this when claiming back the bank charges. I still owe A & L money according to the credit file so i'm expecting a battle ahead with them! Does anyone know what their phone number is as I wish to phone them up and remind them of the S.A.R. deadline? That's all for now, Thanks, Kev.

Thanks for your help D!

Thanks D, I couldn't find the appropriate place to post this thread, but if a mod could move this thread to the redemption forum it would be great! Kev.

Is it possible to reclaim an early redemption charge? We had a loan for £4500 in which we repaid roughly £1000 back in the first year, we then took out a consolidation loan which covered the £4500 plus a few other bills! Because we paid off the £4500 loan early the company whacked us with an early redemption charge of at least £4000! Although we do not owe them money now I still feel rather miffed that they took £9000 from us in total. I know most of the fault is my own for not reading their T & C's correctly but surely that charge was over excessive? I'm considering sending them a S.A.R to see what the charges are in total, If there's any way I can get even some of that cash back then I'll be going straight for their jugular! Has anyone ever had success in claiming back a charge like that? All info appreciated, Thanks, Kev.

Hi Del, I sent of my S.A.R Rec Delivery to their Narborough address on the 13/12/06, I also used the Royal Mails Track & Trace service on their website, It states that the letter was delivered on the 16/12/06 but it would appear that it was not signed for! I intend to phone the Royal Mail in the next few days and request a proof of delivery, I think there's a charge for this though?

Thanks for the reply. Unfortunately my partner is unwilling to go near any court regarding this but has agreed to let me send a SAR letter to the company on her behalf! Perhaps once she sees the charges they put on her account that will encourage her to take her case to the small claims! Anyway, It's her decision to make and not mine as the account was in her name only. My partner finds it amazing that I'm taking my former bank to court and I guess she's waiting to see the outcome of that first! Thanks, Kev.

Not if I wait until the first claim has been settled then start a new claim for the remainder of charges! Is that not the case?

Is it possible to move this thread to the Scottish sections Tamadus? I wasn't sure where to start this thread initially! Thanks, Kev.

I think this is the one... CLYDESDALE BANK PLC 30 ST VINCENT PLACE GLASGOW G1 2HL

Thanks Tamadus, That's good news that we can take them to the small claims court for the credit card penalties. I'm currently in the process of taking action against A & L (Scotland) for bank charges and awaiting the return of the SAR I sent them. I've carefully studied the Scottish section part of the forum and I expect the charges to exceed the £750 limit, I will need to do several claims in succession I guess! Anyway, Hopefully someone knows how to halt the wage arrestment while we're taking this Clydesdale company to court. Thanks, Kev.

Any news on this George? I hope I haven't missed the story in the paper!