If a bank passed debt to a collection agency

PaulG_3

A few years ago, I owed Clydesdale Bank a maximum of £350 from overuse of a debit card. I had purchased things (under £50) when the money wasnt available in my account, and the transactions went through. Had just lost job and initially didnt realise funds werent there.
Clydesdale slapped heavy charges on each and every one of these transactions, then did so again when I failed to pay after certain amount of time.
I was unemployed at the time and had no way of paying this and they ended up passing debt to a debt collection agency. Off the top of my head I cant remember figures but debt was well over £2000, maybe more.

Have paid this off over a couple of years by monthly payments to the debt colloctors, God knows how much they slapped on as well!

My question is......in the light of this situation with being able to claim back ridiculous bank charges, would I be able to claim back any/some/all of the money involved in this predicament??

The situation wouldnt have made it to debt collectors if it wasnt for the charges the bank made on each transaction.

e.g I remember one transaction, it was for a packet of cigarettes at a petrol station, £4 or something and they charged £30 for exceeding balance, then a further £30 for not paying it in 10 days or so, and so on.

I dont have an account there now (obviously lol), dont remember the account number or anything so will need to find that out from them.

Really appreciate any advice/info on this as it pi$$es me off still to this day the amount this episode cost me.

Thanks and it's great reading other's success stories on this matter.

inmypocketnottheirs

Yes you can still recover your bank charges, as long as it was not more than 6 years ago. The maximum period of time you can go back is six years. SO even if this means that only some of the charges fall into this period you are still entitled to ask for the money back. Visit https://www.consumeractiongroup.com for letters to write. You will need to register, but there is a lot of help and support available.

You would be best writing to the bank, giving them your name, address, date of birth and asking them to provide copies of your statements under the data protection act, or atleast a list of the charges. They will charge you a standard fee of £10 for a DPA request. They may deny you statements under the DPA, but do not give up. Failing that, if you have a rough estimate of their charges, ask for that amount.

Good luck!

PaulG_3

thx for reply m8

how would I stand in regard to claiming back the charges imposed when the bank passed the debt to collection agency?

Xbigman

I don't think you can from an indepedent debt collector but you might be able to do so if the debt collector was a subsidiary of Clydesdale on the grounds it was the same company. Go to the bankactiongroup website and use the data protection act letters to get your records from Clydesdale and the debt collection company.
Regards



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