Hello Consumer Action Group

[charliegirl]

I need some help here folks. Not sure what I'm doing but Yorkshire Bank have been charging me a hell of a lot of money for having my overdraft. Basically I've had an overdraft for the past 5-6 years and have been over my agreed limit. They now charge me £30 for going over the overdraft plus £8 per day for everyday that I am over my limit. Plus the quarterly charge.

I have just had a conversation with the manager of the bank and I've explained that I am not happy with the costs and can they justify these costs. They have basically said that it is part of the their banking agreements which all customers are aware of and which have been agreed. I have asked for copies of the statements which I need to put in writing to them for the past 6 years (I can imagine that this will total a lot of money.

What do I do next?

Help

[MARTIN3030]

Hi there CG welcome to the site.
What you do next is begin to recover them...........and you came to the right place.First thing is to get all your statements from them.
To do this you need to request copies from them under the data protection act.
A letter for you to do this is in the bank temps library see my link below.
Good idea to read the faqs and also some threads in your bank group. Here you will also find the contact details of where to send your first letter to.

[odaowlII]

Hello,

Don't panic, it wont cost you a lot, just follow the templates, read the FAQs on the site and post a thread in your relevant section (ie. Yorkshire Bank)

To get the statements, you merely have to pay a £10 Subject Access fee to get ALL of your statements.

Keep posting on here, ask any questions you need answering and for god's sake hold on there!

[MARTIN3030]

Incidentally the 10.00 fee covers all data held with the same organisation.
That covers all acounts and cards that are issued by that bank and are associate companies of them

[Jade-Simone]

Hello,

I have just joined the Forum!

I have just read CharleyGirl's note and I see that I am in a similar position. I wrote to my bank (Abbey) using a very similar first letter template which my ISP Money section had provided, requesting the information about bank charges over the last six years (I did this before discovering the forum). They have however, responded by saying that they cannot supply me with with a list of charges applied to my account however, they can only provide me with 14months of information in the form of duplicate statements. Most transactions between 2000 and 2005 are stored on microfiche and not on the computer and there would be £10 charge to get the information. I have paid the £10, but have not received anything. Since receiving this response, they have cancelled my direct debits even though I am not even in my agreed overdraft limit, additionally charging me £35 per.

How best do I deal with this, particularly the bit about the microfiche? I would really appreciate some help

THANKS!

[ian cognito]

JS you need to start your own thread in the Abbey forum, that way you will get lots of help from people already down the road with Abbey. There are lots of helpful posts regarding the microfiche subject including this:

http://www.consumeractiongroup.co.uk...ost301089'

Read throught the forum and the FAQ's and you'll soon get the hang of it!!!

Good luck

[Jade-Simone]

Thanks!

It all makes inteeresting reading...even though I am still trying to find my way around.

[charliegirl]

Hello folks,

Haven't been on for a while as been away. But I want to pick this up again as soon as possible. Thing that I am worried about is that on my account I have a £1000 overdraft facility which does get used. If I go and claim the bank charges back i'm worried they might stop this and insist I pay it back and possibly close my account down.

Any advice?