consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Yorkshire Bank and Clydesdale Bank and Northern Bank

Yorkshire Bank and Clydesdale Bank and Northern Bank Now that their actual costs and CYNthesys have been revealed by the BBC, claim everything back for as far back as you want. Even if you have already accepted a compromise settlement, go back and get the rest.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 16th October 2006, 11:05   #1 (permalink)
gazza1968
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 39
gazza1968 Novitiate
Angry S.A.R - (Subject Access Request) failure

Help. Getting messed around by YB. They are now 25 days over the S.A.R - (Subject Access Request) date. I have provided id,they told me the accounts didn't exsist? and now another letter saying they've got my request and have 40 days to comply???

Advice, i want to file at court now. Do i estimate my charges? how much damages can i claim for i.e letters,phone calls. Never come across such an incompetent set up.
gazza1968 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2006, 11:27   #2 (permalink)
livelylad
Site Team
 
livelylad's Avatar
Default Re: S.A.R - (Subject Access Request) failure

Quote:
Originally Posted by gazza1968
Help. Getting messed around by YB. They are now 25 days over the S.A.R - (Subject Access Request) date. I have provided id,they told me the accounts didn't exsist? and now another letter saying they've got my request and have 40 days to comply???

Advice, i want to file at court now. Do i estimate my charges? how much damages can i claim for i.e letters,phone calls. Never come across such an incompetent set up.
Hi please read teh thread regarding non complieance.

You can contact them and inform them that you are going to report them to the information commisioner, this should speed them up. Also tell them that you are willing to collect the statements from your branch this again may speed things up for you.


Data Protection Act Non-Compliance - Particulars of claim
__________________





I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
livelylad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2006, 11:37   #3 (permalink)
gazza1968
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 39
gazza1968 Novitiate
Default Re: S.A.R - (Subject Access Request) failure

Thanks for that. Already sent them the non compliance letter giving tham 7 days ( expires tomorrow ). This is when i got the letter saying they had 40 days to comply?

Gary
gazza1968 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2006, 11:39   #4 (permalink)
livelylad
Site Team
 
livelylad's Avatar
Default Re: S.A.R - (Subject Access Request) failure

Quote:
Originally Posted by gazza1968
Thanks for that. Already sent them the non compliance letter giving tham 7 days ( expires tomorrow ). This is when i got the letter saying they had 40 days to comply?

Gary
Hi well you can them take the next step. Perhaps try a call just to say that the 7 days are up tomorrow and inform them what you intend to do. It may help to get the statemnets.
__________________





I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
livelylad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th October 2006, 00:31   #5 (permalink)
caro
Site Team
 
caro's Avatar
Default Re: S.A.R - (Subject Access Request) failure

The LBA is definitely a quicker route than the Information Commissioner who take months to do anything. Can I assume that you sent your payment with your request as 40 days runs from then.

You should not go straight to court, but you can certainly start the process with a preliminary request for payment. Have you got any statements that you can use to come up with a reasonable estimate. You can point out that you cannot provide a schedule of charges as they have not complied with your S.A.R - (Subject Access Request).
__________________


FAQs and step-by-step instructions for reclaiming

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.
caro is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th October 2006, 11:23   #6 (permalink)
Hennie
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 50
Hennie Novitiate
Default Re: S.A.R - (Subject Access Request) failure

Same here - I sent off an S.A.R for my Dad's Yorkshire Bank account well over 40 days ago. They asked him to go into the branch to confirm his signature (which he did straight away) and heard nothing from them since.
Hennie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Handbrake failure Xena Vehicle retailers and manufacturers 21 13th January 2008 20:07
B & Q Delivery failure.... tomba90 Other Stores 14 23rd March 2007 22:57
Typical HD failure Rich44 General Consumer Issues 3 8th March 2007 11:29
Failure to comply with CCA - what next? Worzel General Debt Issues 8 20th November 2006 15:18
Failure to act to Data Protection Act dogz111 HSBC Bank 0 6th August 2006 12:14




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.