Thread: voyager9 vs yorkshire ***WON***

should i add overdraft interest to the total , it only amounts to £10.88 but when i add s.69 interest there will be interest on that interest wont there and does it matter that i didnt include it on the prilim letter?

should i amend lba letter in any way ?

Hi Voyager,

Add the overdraft interest in your lba but don't add the statutory until you issue your court claim.

Best of luck

Zoot

ok just had this letter another fob off

i note this was sent to arrive today giving them another 4 days stalling however didnt work because i anticipated this and sent lba early so they still have to comply within my termsof 14 days lol :grin:

heres the letter see what you all think

Dear voyager9

Re: Charges Complaint not a complaint a request

I refer to your recent letter. I note from your letter that you feel excessive charges were applied to your bank account during recent years.
During this time, the relationship between you and the Bank was governed by the Bank's standard terms and conditions. Those terms and conditions provided that:


(1) Free banking is available while your account remains in credit or within an agreed overdraft limit.
(whats that got to do with it)

1. You must obtain the Bank's agreement before overdrawing on your account. (not disputing that)
2. If the Bank made payments from the Account or paid cheques which were guaranteed by the associated cheque guarantee card when there were insufficient funds available, any overdraft created or any overdraft which exceeded an agreed overdraft limit would be unauthorised. (didnt have a cheque card so doesnt apply)
3. If you drew cheques or authorised or made payments without sufficient money available in your account, taking account of any overdraft limit and allowing for uncleared cheques, the Bank might return the payments and make a charge for doing so. (might and at least there admitting there charges)
4. Charges and interest applicable to the Account were published in the form of tariffs and up-to-date tariffs were available in branches and from time to time enclosed with bank statements. (didnt say you would [edit] blind though did they)

2. Where appropriate, written details of overdraft charges and debit interest incurred on the account during the previous charging period (i.e., the previous month) would be sent to you at least 14 days before the charges and interest were deducted from your account. (how kind give us 14 days notice to be [edit] how nice)
3. If the account had an unauthorised overdraft, additional charges might be levied which would be debited to the account on the day on which the unauthorised overdraft was created. (? give us notice then [edit] us anyway)
4. If the Bank increased a charge for a basic account service, the Bank would give you at least 30 days' notice. (what that got to do with it)

I would note that the terms and conditions complied with all relevant requirements of the Banking Code. You are responsible for the running of your account, and for ensuring that sufficient funds are in your account to meet the standing orders, direct debits and cheques which you have created or drawn on the account. As stated in the Terms and Conditions governing your account with the Bank, you are aware that charges will be incurred if insufficient funds are in your account on the dates the payments you have instructed are debited. The charges applied to your account were applied in accordance with the Terms and Conditions, as a result of your operation of the account.
Further, the terms and conditions were fair having regard to the following matters:

1. The cost to the Bank of maintaining administrative systems relating to unauthorised overdrafts, unpaid cheques and direct debits and abuse of cheque and debit cards for the purpose of keeping the level of overdrawing under review and controlled as far as possible.
2. The increased risk of loss to the Bank arising from such unauthorised transactions and the associated cost of enforcement and recovery systems.
3. The need to operate standard procedures and to set standard charges in order to avoid the substantial costs of individual assessment in relation to each particular case.

( they are admitting its all done on a system surely this can be used in the aq for them to disclose how much it actually costs)

Taking all of the above into account and having regard to the information that you have given, I am not prepared to refund the charges on your account. (suprise suprise in other words we dont know whether you will give up becuase of the fob offs yet so please bare with us untill we know you wont back down lol)

If we do not receive a response from you within eight weeks of the date of this letter, your complaint will be considered closed. (bet your bottom dollar you`ll have a response matey!!)

If you have any additional information that you wish to provide please do not hesitate to write to us at the Advice Quality Unit — Charges Section,

Yours sincerely

Advice Quality Unit — Charges Section


at least they cant deny there charges lol:grin:

Good luck voyager!! still waiting for my charges to come through!! thats 48 days since my DPA Letter!! and im told now that im going to have to wait another 3 weeks!!! then i will be demanding my money in court!! xx hope it all goes well x

hey guys!!! EVENTUALLY!!! i have recieved my statements/charges!!! whoopie!!! it totaled up to £1642.54, whats my nest step now?? send them another prelum letter x im in scotland!! help me!! xx he he he xx

Caroline xx x