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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Yorkshire bank and the Limitation Act - claiming beyond 6 yrs


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On the basis of the Whistleblower dislcsoures you may want to consider claiming beyond 6 years if your account has been open that long and you have received charges during the pre-6 year period.

 

This is because it seems clear from the BBC programme that the YB operate a highly structured system intended to audit the cost of handling a delinquent account and probably also in order to refine the process with a view to profit.

 

This would mean that the Yorkshire Bank is fully aware of the facts and very likely have been for some time.

 

We believe that the protection which they enjoy from the Limitation Act falls away in these circumstances.

 

Furthermore we believe that on the basis of the BBC disclosures any existing full and final settlement agreement is vitiated.

 

At the end of the day it is a matter for the court to decide or a matter for the YB to offer their simple explanation for what otherwise seems to be a very puzzling set of circumstances.

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Bankfodder, how do I tackle this when my claim has already been submited to the court? I do have further costs on one account going back another 6 years. Do I have to put in another claim? Also very interested in your comment on any full and final settlement agreement being vitiated. Should I be writing to the Yorkshire Bank following the BBCs revelations and if so, what do I say? I would really appreciate any advise you can give me.

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I'm trying to get more than 6 years statements from them, so far They have sent 6 years, so I sent them a letter as follows:

Dear sirs,

Thank you for your statements regarding my request under the data protection act.

It appears however that you have only supplied information from ............

You are reminded that under the Data Protection act 1998 that you are obliged to supply ALL requested data.

If it is the case that you no longer hold data pre 6 years can you please confirm this to me in writing.I will give you a further 14 days to reply to this request.

Failure to do so will result in a complaint to the ICO and the FOS.

I trust this clarifies the position.

 

Yours Faithfully

 

I sent this recorded on tuesday so will have to wait and see what happens

 

(this was done with the help of martin3030)

HFC go get them:-)

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Had they reached the 40 day limit by the time they responded to your 6 yrs statements?

 

If so then complain to the IC immediately. You should not hesitate to do this. The bank has a statutory duty and they have to be reminded of it by firm action.

You should also begin your claim immediately for the charges of which you are aware. You can go on to add the others once they finally comply with their statutory obligations. Whilst you are waiting for them to give you the rest of your statements you should include in your County Court claim, a claim in respect of their breach of their DPA obligations.

 

Don't forget that this is a bank which has made a practice of being hard-nosed with their innocent and vulnerable trusting customers. Now we have seen the BBC Whistleblower CYNthesys disclosures. The disclosures have been presented to MPs and journalists and have been described in the press and the banks has offered no comment.

This is the bank which has attempted to refuse to pay statutory interest to some its customers on the grounds that the customers have misused their accounts when in fact there is evidence to suggest a very different story.

This is the bank which when it finds itself under pressure to comply with its lawful obligations, instead of taking steps to deal with its business properly, come bleating to its customers asking for more time.

 

How the mighty fall - and there may be a long way to go yet.

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@BankFodder

I received the statements after the 40 days for 2 accounts, but as yet have not received any for another account, the 40 days were up on the 31st march.

Should I now send a letter to complain to the IC if so is there a template letter I should use.

HFC go get them:-)

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I don't think we have an IC template but check with a mod.

I'm afraid that I have lost track of what we have and what we don't a long time ago.

It's not hard though.

Just say that on XXdateXX you made a request for disclosure (copy enclosed) under the DPA. Despite your reminders they have only made partial disclosure and have failed to respond to your further requests.

Please will he treat your letter as a formal complaint under the DPA.

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Alternatively there is an online complaint form on the ICO website. The website is a mine of helpful information and well worth a browse.

 

Data Protection Complaints – Information Commissioner’s Office (ICO)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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You should update on your own thread davisb so that people can follow where in the process you are :)

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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@sajabu2003 I will update my thread,

This thread is a sticky

Yorkshire bank and the Limitation Act - claiming beyond 6 yrs

 

I wasn't going to use this thread about my claim, all I was asking was should I post what happens about getting the rest of my statements here. As I'm sure others would like to claim more than 6 years and it would be easier for people to find the information needed quicker than having to read evey thread in this forum

HFC go get them:-)

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I appreciate the point you are making davsib, but I'll just stick a link to your thread here and that way, your claim info is all together, and people reading this thread can easily read your progress and look at the limitations issue. I hope you agree that should work.:)

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/64242-davsib-yorkshire-bank.html

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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  • 3 weeks later...

I am not sure if I am posting in the correct place or if I should start a new thread.

I am currently claiming my last 6 years charges from yorkshire bank and after recent information I decided to start claiming back over 6 years so

I sent another S.A.R request and £10 to yorkshire bank requesting statements from 1992 -2001.

 

Today I have recieved a response saying that the DSA regulations are only in force for the last 6 years and copy statements pre 6 years are at a cost of £5 each. They say to send me the other 113 statements they need a cheque off me for £555

 

Is this right?

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It is absolutely incorrect. This link takes you to Section 7 of the Data Protection Act, so if you take a look you'll see that for yourself. There are no mentions of any time limits at all.

 

Data Protection Act 1998

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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Do you think I should respond to this letter quoting the data protection act or just go straight to the information commisioner and make a complaint?

 

I sent the S.A.R request to leeds but this response has come from the branch manager at my local bank

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If the 40 days haven't expired you could write and point out their error and remind them how long they have to comply. You might also take a look at this very useful post and try a different approach, which may just get things moving if the 40 days have finished.

 

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/85275-yb-exceeding-40-days.html

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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  • 2 weeks later...

Hello All

Re claiming pre 6 years. I have claimed up to the 6 years on three accounts and received payment from them back in early 07. Now I am tempted to go back and start again pre 6 years. Is there a leter template for doing this. If not - can I claim when I have already received payment for previous claim. Any help please.

Thanks:confused:

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