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Can some one help me please? Claiming against Yorkshire Bank for £13,500 of charges! Sent prelim letter, got reply saying no, stating bank charges etc and saying if I take to court they may counter claim for damages suffered due to breach of contract. Sent lba today. Expecting same reply. Can I claim this amount on moneyclaim site? Do I send to branch or head office as this is in Scotland?
Would really appreciate advise. Thanks.
REGISTERED ADDRESS: - Yorkshire Bank PLC
20 MERRION WAY
LEEDS
LS2 8NZ
To counter claim they've got to step into court, they might of course, but have steadfastly refused so far. A claim for £13,500 would be fast-tracked where there is standard disclosure, eg a breakdoown of their costs to maintain your a/c, but greater cost risks if you lose.
Can some one help me please? Claiming against Yorkshire Bank for £13,500 of charges! Sent prelim letter, got reply saying no, stating bank charges etc and saying if I take to court they may counter claim for damages suffered due to breach of contract. Sent lba today. Expecting same reply. Can I claim this amount on moneyclaim site? Do I send to branch or head office as this is in Scotland?
Would really appreciate advise. Thanks.
As usual they are clutching at straws & trying to frighten you off. You can't be in breach of a contract if the performance of the contract is unlawful and/or in breach of regulation.
I don't think you really need to worry about it being over the small claims limit, as all the banks have steadfastly refused to go to court, so the chances of you losing and having to pay bank costs are miniscule.
If you are really worried though, you could sever your claim to keep it under £5,000 and in the small claims track.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Michael, Thanks for replying. Is the address you sent the one I should use to send the money claim forms to? I have used the clydesdale bank add so far in Glasgow. Should I send them a copy?
Could you explain what you meant by it being fast-tracked. Thanks
Caro, Thank you for the advise. I didn't understand your PM. I have never used a site like this before. Am I using it incorrectly? If so please advise.
Michael, Sorry if I'm being really thick! You say not to send the moneyclaim form to the YB but the address you have given me is for the YB! Please could you clarify. Thankyou.
As they are the defendants you put the address of the YB on the claim form (where indicated) send it to the court & they will then seal it & serve it on the YB
Hi All,
Is there anyone else out there claiming on fast-track for such a large amount? I would be really interested to know how you are getting on and if anyone has been paid out for such a sum!
Thanks.
Other banks have paid out claims using fast track including Lloyds and Alliance and Leicester, but I am not aware that YB have - yet. I have no doubt that they would do everything they could to put you off doing this and try to scare you off, but at the end of the day you have been charged unlawfully, so you will get your money back.
Do you understand that by doing this, in the unlikely event of you losing your claim you could be held liable for YB's costs. My own view is that it is a small enough risk to be worth taking, but you must decide for yourself.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Thanks for the advise Caro. I intend to go all the way with this claim - after all someone has to be the first to suceed in claiming such a large amount from the Yorkshire Bank! I am aware that if I loose I will be liable for their charges. Have you any idea roughly what that amount would be?
Still waiting for reply to lba, but no doubt will be same as first. Money claim next step.
By the way I started a thread in the welcome forum titled barnett v YB by mistake. Can you tell me how to delete this.
Thanks.
Only way to delete it is to pm a MOD,either ask them to delete it or merge it onto this one.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
You will not be able to claim this online as it is outside the limits for MCOL. You will need to submit an N1 to your local court, but there is info in the bank templates library. Regarding costs, I guess it would depend how much work their solicitors put in, so not cheap.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Sorry I haven't posted for ages but I have been waiting for a reply to my lba for weeks! Got a letter this morning with a cheque for £6,380!! This is aprox Half of my claim for £13,500 for the charges on two seperate accounts.
If cash it then I am accepting Full and final settlement. Can someone advise me what to do please?!
If I reply asking for the rest, what are the chances that they will pay? Do you think they will force me to start court proceedings?
Would appreciate some help.
Barnett,
Best of luck with this. You're almost there now that they've sent you nearly half. Simply pay it into your account and say thanks, I accept this as partial payment but I will be seeking to recover the full amount. Caro, what do you mean about the limits of MCOL? Do you mean the amount? I'm sure you can claim for a lot more than 13k. Mine is over 10k and that hasn't been a problem.
MBNA: Paid
Co-Op: Paid
Lloyds Tsb:Data Protection Act sent 14th June Still waiting. Started again
Abbey National: Paid
Barclaycard:Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02.
Capital One: Paid
Cahoot: Paid
Accord Mortgages: Prelim £9,750 LBA 6/10/06
MCOL 21/10/06 £10, 520.65 Withdrawn and waiting for better times
Mother in law Nat West: Paid
Wife's Nat West MCOL issued 26/03/07
Rise, like lions after slumber
In unvanquishable number!
Shake your chains to earth like dew
Which in sleep had fallen on you:
Ye are many - they are few!
Paulpb123,
Thanks for your support. Bit nervous about banking cheque as they have said that if I do this will mean that I'm accepting offer as final settlement. Please advise!
Yes, but they are trying to dictate terms to you. Write to them thanking them for the payment and that you accept it as partial payment but if they do not pay the balance within 7 days you will issue a claim against them. They owe you 13.5k and they have admitted liability for some, so where's the rest? Stick to your guns. I'm rubbish at doing technical things so if this link fails go to the Bank templates library where you will find a rejection of partial offer letter. Hope this helps.
MBNA: Paid
Co-Op: Paid
Lloyds Tsb:Data Protection Act sent 14th June Still waiting. Started again
Abbey National: Paid
Barclaycard:Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02.
Capital One: Paid
Cahoot: Paid
Accord Mortgages: Prelim £9,750 LBA 6/10/06
MCOL 21/10/06 £10, 520.65 Withdrawn and waiting for better times
Mother in law Nat West: Paid
Wife's Nat West MCOL issued 26/03/07
Rise, like lions after slumber
In unvanquishable number!
Shake your chains to earth like dew
Which in sleep had fallen on you:
Ye are many - they are few!
Huge Claim! Need Help Please!
for £13,500 of charges! Sent prelim letter, got reply saying no, stating bank charges etc and saying if I take to court they may counter claim for damages suffered due to breach of contract. Sent lba
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Originally Posted by barnett
