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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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Our very good friend as seen on Whistleblower


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Hello All

Time to expose myself I suppose. Bankfodder has encouraged me to join the conversations so I can clarify what I said last night. As Bankfodder has mentioned elsewhere on the site, the clip shown last night was just a tiny part of the filming. I need to clarify that the true cost of returning unpaid items when you have gone overdrawn is LESS THAN £2 as I said verbally. NOT 9p as some of you appear to have picked up from the spreadsheet. The spreadsheet was me explaining to Amanda how it worked & we used a simple debit & credit transaction to illustrate this. The BBC in true media style have shown the clip in such a way as to make it appear that I was showing the charges sheet.

Hope this clears things up a bit.

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"Our lives begin to end the day we become silent about things that matter" - Martin Luther King Jr

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I hope you don't mind Yoda, but I've copied your thread to the YB forum as there are some people here who I'm sure would like to meet you.

 

I can't stop saying it.

 

Thank you thank you thank you thank you.

 

This bank give us such a hard time it's great to get good news.

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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Yoda, you are, to us, a working class hero. This bank has given us all so much grief and you have given us all a ray of light. Well done girl

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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wwwwoooooooooooooooooooo hhhhhooooooooooooo wtg yoda good for you the whole thing hadme jump on the sofas tytyty

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Hi Yoda and much the same as ALL clamants from CB/YB a BIG thankyou for your time and effort in the making of this programme which shows that the CB/YB are making a KNOWN profit out of these charges to which they have always denied and to give encouragement to claimants in respect of this.

Once again

MANY THANKS

George.

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Hey no problem. And these replies are just reminding me why I did it in the first place.

 

Caro, you've got to take a bit of the credit here too because if it wasn't for you spotting my little message in the first place, and referring me to Bankfodder, this would never have come about.

 

And by the way, for anyone who hasn't met Bankfodder, he's a lovely bloke. He's been there supporting me every step of the way.

 

Well, that's enough trumpet blowing for one day. Off to work we go.:D

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"Our lives begin to end the day we become silent about things that matter" - Martin Luther King Jr

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Thanks Yoda, you have no idea what that means to me. I did very little and I certainly did not put myself on the line as you did. This may sound silly but your reply has actually brought a tear to my eye.

 

I completely agree with you about BankFodder. I've met him a couple of times now, and he really is lovely and a gentleman in the true sense of the word.

 

I too am reminded why I spend so much time trying to help people who have fallen victim to all the banks, but none of them seem as bad as Yorkshire Bank, or any in the National Australia Group.

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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Hi Yoda

I echo everyones thanks , I have been around the YB forums for aaaaaaaages and this is by far one of the most important breakthroughs we have had against Yorkshire/Clydesdale .This info surely has helped against all the banks in the UK as undoubtably they all calculate their charges in a similar way.

 

Pardon the pun but .........may the force be with you:-|

 

We certainly know it is now with us;)

 

Glad it came from a fellow Yorkie too , you see Caro we dont all fly pigeons and walk whippets:razz:

 

Jules

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Jules,

 

What do you mean? I'm an avid pigeon fancier and after a long day down't pit I like nuthin more that a pint of tetleys, then a long walk wi't whippit.

 

Seriously though, I didn't realise at the beginning of this journey that my little bit of info could be so useful to so many. It was just what I did (I repeat DID) for a living. Never even realised that the banks were not allowed to profit from their charges.

 

Learn something new every day don't you.

"Our lives begin to end the day we become silent about things that matter" - Martin Luther King Jr

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Hi Yoda

 

Would just like to echo everyone else's sentiments if i may. Took a lot of balls to do what you did and you should be immensly proud of yourself. I guess you thought long and hard and questioned yourself a million times, but as i say, i for one think you have done nothing at all wrong and you should be very proud of yourself. Whatever line of career you have now chosen i really do hope that you have every success, you deserve nothing less.

 

Good luck

 

Oz

If you can read this, thank a teacher.

If you can read it in english thank a soldier.

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Great programme Yoda. As you should see from my signature I won all of my charges back from Barclays thanks to the excellent support from this site.

 

I have actually been in the Guildford branch of Barclays bank with my son. True to your report they tried to sell him an Additions account. He politely told them he was not interested.

 

Thank you for all your efforts.

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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I have actually been in the Guildford branch of Barclays bank with my son. True to your report they tried to sell him an Additions account. He politely told them he was not interested.

 

.

 

god almighty unbelievable isnt it :o likewise today my barclays branch tried to get me to move my savings to difft account i said no ta! im withdrawing the whole lot next week! the look on her face was classic! :D

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like everyone else I would like to add my thanks to you for helping us,

 

I am glad you pointed out about the 9p charge as I was alerted to this when the camera showed it in the spread sheet, thank for clearing that point up

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Well done Yoda.clap.gifclap.gifclap.gifclap.gif

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Hi Yoda,

 

I too, thankyou. I was watching in awe throughout the whole of whistleblower, amazed that that all banks especially YB/CB have been making profits from their customers for years and not giving a stuff about plunging them more in debt!.

 

Again, THANKYOU!!!

 

 

Leanne x

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Yoda,

 

Thank you. I know that's not enough but I'm not articulate enough and I can't think how to say it any better!

 

Thank you more than you will ever know,

 

KA.

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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i eco the thoughts of many Yoda, if as has been stated many time that Barclays have made a massive 7 billian profit this year with 68% in banks charges it makes it all very scary indeed, the goverment than talk about national debt, it the bloody banks who are causing it in the first place. All i hope is like the rest of us we can reclaim what is rightfully ours be it personal or in my case business over charges and keep our heads above water working 24 /7 whilst they bask in our money, the rich get richer and the poor die trying .

 

hels

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I've realised from a couple of the posts here that it may not be totally clear who Yoda is. She is the Whistleblower from Yorkshire Bank not Barclays. The part of the programme about her revelations may have a more significant impact on banks charging as she revealed the true costs and was shown working on a spreadsheet used to calculate costs, although most of the programme was about Barclays and their appalling behaviour.

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...

nice to see a geordie in here for a change

"The only thing that interferes with my learning is my education." Albert Einstein

 

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Thanks Yoda, I was already claiming against Barclays but the Whistleblower programme gave me extra impetus.

 

 

:D

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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god almighty unbelievable isnt it :o likewise today my barclays branch tried to get me to move my savings to difft account i said no ta! im withdrawing the whole lot next week! the look on her face was classic! :D

 

It's not just me that walked away from Barclays then:D (that's a whole other thread!!) .

 

Yoda, I caught the tail end of the whistlblower documentry and was blown away by your pretty selfless act. I can't remember if you did this before you left your job with YB or wether it cost you the job (probably wasn't worth having anyhoo;) ) but you you deserve all of the praise that you are getting on this thread.

 

If Karma is a real thing then, m'dear, you richly deserve all of the good things that will be coming your way.

 

Stay happy and stay safe.

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Reds, just to let you know, I had already left the bank when I did the Whistleblower piece.

 

Thank you for your sentiments. It is good to know that I may have helped a few people by doing what I did.

 

And thanks, I can feel the positive vibes already :D

"Our lives begin to end the day we become silent about things that matter" - Martin Luther King Jr

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