Clydesdale bank crazy situation

AliceBanned

Yes and it was my fault there was an outstanding debt - albeit some of it charges that went on after.


I've spoken to their complaints team now and they have been reassuring. I've also sent a cheque. I think they've finally heard me and understand I've been messed about numerous times because their staff didn't realise what was going on and perhaps should have.


I've calmed down now but Friday was horrendous and I was really panicking.


They are going to come back to me after they've investigated my complaint.


Final balance outstanding was £35.

AliceBanned

Heng_Leng wrote: »

You obviously knew something was wrong as you sent the 'same payment' four times. I don't know why anyone would keep doing something clearly not working.

Because I was being pressurized by the letters they were sending me and kept thinking I must have inputted the wrong information (as they were telling me I must have). I didn't have the courage of my convictions against 2 banks telling me I'd not sent the payment and I also couldn't track the payments as they went through two other switches. Also I stopped using Clydesdale a few months ago so didn't remember my banking log in after clearing cookies on my PC. I have millions of things on my mind including numerous debts/cards and current accounts and I've decided to streamline things so that I don't have too many passwords etc to remember. I also work full time and travel a lot so have 12 hour-days away from home. That kind of thing, you know I have a life and a lot to juggle on my own.

Armorica

The CASS documentation is clear. The two banks should have realised this.

Submit a complaint to Clydesdale so they get a kick to change their scripts/advice.

Hopefully the cheque worked...if not ask them to take a debit card payment to clear the balance. (And yes, it's easier to pay of the balance as you leave...not after)

AliceBanned

Armorica wrote: »

The CASS documentation is clear. The two banks should have realised this.

Submit a complaint to Clydesdale so they get a kick to change their scripts/advice.

Hopefully the cheque worked...if not ask them to take a debit card payment to clear the balance. (And yes, it's easier to pay of the balance as you leave...not after)

Thanks - exactly. Some people have said 'why didn't I realise' but I was taking both banks' advice all the time and assumed they would know their stuff. That's why I was phoning them, to sort it out.


I have made a complaint and it is being looked into at the mo. Will see what Clydesdale come up with. Halifax gave me £20 as a goodwill gesture.

AliceBanned

Oh and my TSB bank was credited with £130 switch incentive today so that was nice.


I think my credit file has been affected but not with a default or anything too bad. Just too much switching has temporarily affected it - too many applications as well so I'm going to keep a low profile with them all for a while and keep some stability.

AliceBanned

Clydesdale complaints team has arranged for a £100 cheque to be sent to me in compensation for all the hassle.


Lessons learnt all round.