Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. #1
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    ray.corps Novitiate

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    Default ray.corps v Yorkshire Bank

    I have just received a reply from Clydesdale Bank (it took them 10 days). They say that I can only have statements for last six years under "DPA Rights of Access".

    They also say that under the rights of access they do not have to supply any info on any manual interventions.

    Are they right

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  2. #2
    Lueeze
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    Default Re: Me V Yorkshire Bank

    Yes they are to an extent.

    The FSA say that Bank only have to hold 6 yearsicon worth of files.

    The manual intervention response is standard that we all get usually, so dont worry about that part.

    Good Luck

    Lou xx


  3. #3
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    Default Re: Me V Yorkshire Bank

    Thanks for the info Louise - I will press on

    Ray


  4. #4
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    Default Re: Me V Yorkshire Bank

    Thanks Louise - I will await the statements.

    Does the 40 days start from their response or the date of my letter.

    Ray


  5. #5
    Site Team alanfromderby has disabled reputation alanfromderby's Avatar

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    Default Re: Me V Yorkshire Bank

    It starts from when they receive your request, and payment.

    Alan, Derby, UK.



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  6. #6
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    Default Re: Me V Yorkshire Bank

    Received my statements yesterday - but they only sent out the last 7 months, so have just notified them that the info was incomplete and that the clock is still ticking.

    Will keep you posted

    Ray


  7. #7
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    pjdudley69 Novitiate pjdudley69 Novitiate pjdudley69's Avatar

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    Default Re: Me V Yorkshire Bank

    They tend to send them out in 2 batches Ray. Post July 2005 and pre July 2005. It's something to do with the way the statements changed layout last year.


  8. #8
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    Default Re: Me V Yorkshire Bank

    Thanks for that - I await the second batch with baited breath !


  9. #9
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    Smile Re: Me V Yorkshire Bank

    Second batch of statements arrived this morning. Have worked out charges and lbaicon will go out Tuesday


  10. #10
    Site Team caro has disabled reputation caro's Avatar

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    Default Re: Me V Yorkshire Bank

    You need to send a preliminary request for payment first giving them 14 days, and then the lbaicon, assuming you don't get payment agreed from the prelim.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    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.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    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.

  11. #11
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    Default Re: Me V Yorkshire Bank

    Received a reply to my prelim letter today. They are sorry that I felt the need to complain ? about the fees, but if I had kept my account in credit then I would not have been charged.

    Also they said that the charges were all line with their current policy. They kindly told me that if I was not satisfied I could go to the banking Ombudsmanicon.

    Guess it's time to turn the screw a little.


  12. #12
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    Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M Authoritative Janet-M's Avatar

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    Default Re: Me V Yorkshire Bank

    Yes just a standard reply.You need to send them a lbaicon next probably for your next standard reply .Then it comes to the time they start to realise your setious and not going away .
    Keep us posted.


    When you want to fool the world, tell the truth.

    Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
    doubts.

  13. #13
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    Default Re: Me V Yorkshire Bank

    lbaicon will go in post tomorrow - thanks


  14. #14
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    Default Re: Me V Yorkshire Bank

    Received a nice reply to my lbaicon this morning. YB have advised me that my complaint file has been reopened and is currently under review.

    Apparently every effort is being made to bring my complaint to a satisfactory conclusion.


  15. #15
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    Default Re: Me V Yorkshire Bank

    Stick to your timetable.. file at the deadline if nothing heard..

    Although you may want to pop whoever replied to you a quick one paragraph response reminding them that if you have heard nothing by the deadline and they have failed to refund the outstanding balance that you will proceed with the aforementioned action. This might chivvy them along somewhat - I do like a bit of pressure when it flows the other way!

    "BA Group. The World's favourite CA Group"

    HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
    BARCLAYS settled in full 2 days prior to submission of defence by Barclays
    CAP ONE settled in full on day 14 of LBA (£210)

  16. #16
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    Default Re: Me V Yorkshire Bank

    Thanks for that.

    Chase up letter reminding them of deadline sent out today


  17. #17
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    Default Re: Me V Yorkshire Bank

    Deadline passed with no reply - or cheque. Moneyclaim online form to go out tomorrow.


  18. #18
    Site Team caro has disabled reputation caro's Avatar

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    Default Re: Me V Yorkshire Bank

    Mine went today, and with Trunny's and PJ's claim too they are going to be so busy. My heart bleeds for them, as much as their hearts bled for me when they were helping themselves to my money. I'll be following your progress and update my thread as things progress so we can know what they get up to.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    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.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    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.

  19. #19
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    Default Re: Me V Yorkshire Bank

    good luck, mine goes on the 3rd July 8-)


  20. #20
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    ray.corps Novitiate

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    Default Re: Me V Yorkshire Bank

    Filed my claim with the court a couple of weeks ago.

    Received a letter a couple of days ago from the bank's litigation department, written in legaleeze but basically saying that the bank acted properly and in line with it's current schedule of charges.

    Hardly a defence.

    Does anyone know what to do next



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