New Recruit

fontygary · 24th February 2007, 21:11

Hi everyone. First time on the site and am looking to join the the growing army of claimants and feel confident that you will keep me right in the process.

I'll be looking at charges incurred on an account which I closed in 2004. Any problems in this?

First naive question. Where do I send my first letter asking for details of said charges....Local Branch or Head Office.

Looking forward to your assistance and wishing everyone in the process, the best of look

Ray

fontygary · 24th February 2007, 21:12

Sorry....Best of LUCK

mochamoo · 24th February 2007, 21:51

Hello and welcome,

Which bank are you claiming against?

try these:http://www.consumeractiongroup.co.uk...se-read-these/

http://www.consumeractiongroup.co.uk...hat-youre.html

In most of the individual bank sections there will be a sticky (unmovable post near top of page) that has that banks particular details such as where to send and who you need to address it to.

No problems that I know of in claiming against a closed account.

Good luck

fontygary · 24th February 2007, 22:34

mochamoo

Thanks for swift response.

Seems best to contact Head Office. Here we go !

Will keep the forum advised

Cheers

louis wu · 24th February 2007, 22:40

Fontgary, just a quick word of caution.

Before you start, have a good read of the FAQ's, and try to get a feel for the process you are beginning. All the knowledge and info is here, it just sometimes takes a while to find it, which is why a basic undersatnding of WHAT you are doing, and WHY you are doing it is essential.

Not trying to lecture, but the biggest mistake made is rushing into a process, that whilst is not overly complicated, can be a potential minefield.

Best of luck

mauritius · 24th February 2007, 22:48

Hi Fontygary, as Mochamoo said their isn't a problem with claiming on a closed account, as banks/institutions legally have to keep records of accounts for 6 years, although the con with that is you cant claim for charges before 6 years!
In most cases you should generally write to customer services dept, but to be honest if you have several addresses, for the sake of stamp costs, I would send to all available addresses! (thats purely my opinion!)
In fact scrub that last note, If its statement of charges that your requesting from your old bank I would assume the customer services dept will help, dont let them fob you off with excuses, as again, they legally have to keep records for 6/7 yrs! Good Luck and keep us posted!

louis wu · 24th February 2007, 23:03

Just a quick correction mauritius, people are claiming back more than 6 years, but only if they already have their own statements. Perhaps not relevent in this thread, but ray may have other accounts to challenge at a later date.

Also, send EVERYTHING recorded delivery.

mauritius · 24th February 2007, 23:15

Thanks for the correction louis wu, thats interesting...im off to check older statements!

fontygary · 25th February 2007, 00:24

louis wu
mauritius

Your advice is duly noted. Many thanks. I'm overwhelmed by the rapid assistance.

Will keep you posted. By the way, recipient is Yorkshire Bank.

fontygary · 17th August 2007, 14:21

Hi again.
It's been a while since I posted but I am now at the stage where I have received my Allocation Questionaire from the Court.

I little more advice required, SECTION G 'Other information'. Within these forums a Draft order for Directions is mentioned.

Is it necessary to complete this or, if not, is it advisable, and is there any advantage in doing so.

Your guidance would be appreciated.

Thanks
Ray

livelylad · 19th August 2007, 10:20

Yes, it is advisable to complete the draft directions. The judge may take them into consideration. This would be a great advantage for you. Which bank and court is it?

fontygary · 19th August 2007, 14:20

Thanks livelylad. Will follow your advice but will probably have to seek assistance as to what to say and what to send.

i
It's v Yorkshire Bank and hopefully will be heard at Durham.

fontygary · 19th August 2007, 14:27

Livelylad. How can I e.mail you (Non related to this case)

Ray

livelylad · 19th August 2007, 22:13

here
http://www.consumeractiongroup.co.uk...=newpm&u=35958

fontygary · 21st August 2007, 22:14

Just an update if anyone is interested. Deed is done. AQ returned today along with draft directions. (Thanks likelylad). Will keep you updated.

Cheers

fontygary · 6th September 2007, 20:03

Latest update. AQ due Sept 3 sent in good time, presumably YB had the same timescale.
Letter rec'd today from the Court advising that YB have until Sept 12 to submit their AQ otherwise an award will be made due to default.
I wait with baited breath.

Cheers

Ray

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