Hi everyone! im currently in the process of claiming my bank charges back from yorkshire bank, ive had my statements and sent the first letter and got the reply that basicly im getting nothing back and to take it up with ombudsman, i wanting some advice as to what i need to do next, they owe me £870 plus interest (not sure how i work that out) , my heads a shed reading through this site and i would appreciate some advice thank you.

send your lba and 14 days after that if you haven't got your money back issue a claim.letter templates in the library

whats an lba? sorry to ask but i havent got a clue what im doing.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

a "letter before action" you'll find a draft at the link.good luck

andrew you really need to read the faq's everything is there including a step by step guide mate

Andrew at first it is very mind boggling but the more you read the more you learn, well in my case not so fast haha jaxx

I have read everythingi just cant get my head round it:idea: im getting better tho! the lbe letters first line is"I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]." but they have responded saying im not getting anything back, do i still send this letter in? i feel il be repeating myself if i send this one in?

Just amend the first line to suit. eg 'failed to respond positively'

I thought I'd gatecrash you back haha

Good luck with the claim and they are right about reading all the FAQ's and afew threads. It'll help keep your head straight when YB try using stalling tatics or loads of jargon that really doesn't mean much.

The general pattern of starting your claim sort of goes...

1. You send LPA - they write back saying no chance. This is all fair etc etc.

2. 14 days later You send LBA - they write back still saying no.

Sometime after that they will write a letter saying if you go to court you will incur charges and they have expert wittnesses blah blah blah but they offer half of the amount you have claimed.

3. You send a rejection letter stating you will accept cheque as part payment but are still proceeding with claim. They will withdraw the offer of half requested money.

4. 14 days from your LBA You start MCOL. Which is the online MoneyClaim court thingy.

5. Then it can go afew different ways but that is a month off for you yet so I won't bore you with my waffle any longer!

I'm up to step 5 at the mo so any questions up to that bit I'm happy to try and help

Lee

thanks for the advice il amend the letter and send it in tmoz, thanks again will keep you upto date!

Hey Lee il be calling on you too if you dont mind? jaxx

Assuming that you are in England send all letters to your local branch, as Head Office is in Scotland. If you write to Scotland you will have to use the Scottish court system where small claims are limited to £750 instead of £5,000 in England.

I have read everythingi just cant get my head round it:idea: im getting better tho! the lbe letters first line is"I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]." but they have responded saying im not getting anything back, do i still send this letter in? i feel il be repeating myself if i send this one in?

Have you read this one?

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Just read it thanks it was very helpful i feel im understanding it now, just sending LBA today!

This letter will probably take longer, you have given them 14 days. Yes you can add them on not a problem. Just add it to your schedule of charges and increase your claim.

Thanks again ozzy! one more thing, you know the interest calculater online? do you have to put every charge in one by one or do you put them all in at once?

I have never used it to be honest, I kinda worked out mine manually. Sorry, my guess is one by one as depending on the date of offence (charge) would accrue differant interest so I guess one by one.

OK il start adding them up, if anyone knows exactly how to use the interest calc please let me know... thanks everyone!

Add each charge individually.

And make sure you get the date right for each charge as this affects your 8% interest when you get to the MCOL stage.

Ok guys theyve thrown a spanner in the works! ive got e reply to my LBA it says theyve reopened my complaint and a further review is being taken they apoagise for the delay but every effort is being taken to bring my complaint to a satisfactory conlusion, but the problem is its come from CR MANAGER in scotland but i started my letters in my local branch in west yorkshire, do i reply to him or my local branch? and what do i say? i know if i get involved with the scotland branch it will limit my claim.

This is fine, quite the standard letter that has been passed to head office from your branch. Keep all communication to your branch. Also remember you set the timescales not the bank. So they gave you 28 days but you gave them 14. So at the end of your 14 days file for your MCOL. Or if you chose to do you could wait the 28 days and see what communication they have which will probably be half of your claim back as full and final settlement which we can cross if it happens.

Or more likely the 28 days will pass and you will hear nothing.Dont bother to reply,they know they have 14 days and what will happen after that

Just stick to your timetable.

OK guys its 2 days till their 14 days are up! im gunna work out the 8% intersest and any new charges, any advice for the money claim? does it cost £80 up front? do i need to tell the bank im claiming or does the court tell them?

IM GETTING NERVOUS NOW!!!!!!!!!:o