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Leebcoward

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Everything posted by Leebcoward

  1. Claim it, they can only say no..... but YB rolled over and paid mine within an hour of my fax. Let me know if you want a template to ask for it!
  2. Check me out in the mirror today! MIRROR MONEY SHOWDOWN BANKS CAVE IN ON RIP-OFF OVERDRAFT CHARGES RATHER THAN FACE COURT 04/07/2007 More Mirror Money BANKS are caving in and dishing out refunds worth thousands of pounds to avoid risky court showdowns over rip-off charges. And today could be another big day in the battle against unauthorised overdraft charges. A judge at Hull County Court is due to hear more than 40 claims from customers hit by excessive charges when they dipped in to the red. A top barrister, backed by the campaigning Consumer Action Group, will be on hand to represent anyone whose case makes it to court. However, some of these claims have already been dropped after banks paid out to avoid going to court. Last week in Leeds more than 250 cases were due to be heard in the mercantile court. But hours before they were due to start the majority were called off. Operations manager Lee Coward, from Leeds, won back £2,700 from Yorkshire Bank. In a frantic last 24 hours lawyers for the bank raced to reach a settlement. Lee, 32, spent the day swapping faxes as he haggled for compensation on top of his claim. "I could see that they were desperate not to go to court," said Lee. "They had wasted my time and the court's time so on top of what I was owed I claimed a self-litigation fee. "They paid it. I never got the feeling they planned to go to court. They were just seeing if I had the courage to take them on." Like many Lee does not object to paying a small price when he slips in to the red. But Lee, who has two Yorkshire accounts, was astonshed to be hit with £80 charges after accidentally taking money from the wrong one. The bank wrote to him and said he was being charged £8 a day, plus £35 in charges. Lee, who lives with his wife Melanie and daughter Elise, immediately put money in the account. But a further £8 charge for that day took him overdrawn again. He pleaded with the bank that he had acted responsibly. But they still docked more than £100 from his account. Lee said: "I was frustrated. No one would talk to me. "It was because they treated me so badly I decided to claim back every charge they had given me over the last six years. "I was happy paying charges, but then when I looked in to it I realised it was all a bit of a con. "They were picking my pocket for years and I was letting it happen." Lee's situation is not unique. Others scheduled to go to court on Thursday also had dramatic last-minute payouts. Many were with Lloyds TSB, others included Nationwide building society and Halifax. Most won back all their charges, plus interest of eight per cent. Many had also claimed a self-litigation fee of around £230. Courts have been flooded with complaints since the battle to reclaim unfair charges gained momentum. Judges have so many cases that they are trying to deal with dozens on the same day. Money Claim, the website of the small claims court, is being upgraded to cope with the flood of cases. It has put up a message advising those hoping to reclaim charges to first try the Financial Ombudsman Service. It is receiving 3,500 complaints a week. So far the Ombudsman has not had to rule on any cases because, just like in the courts, banks are backing down before a decision has to be made. If you take your bank to court you will have to pay a fee. The more money you claim back, the higher the fee. But you will get this back if you win or the case is settled. With the Ombudsman you pay nothing. It also has the power to award compensation if you can prove you have suffered distress or inconvenience. "The message is don't be put off by their bullying," says Marc Gander from the Consumer Action Group. "Hold your nerve. The banks aren't making it easy to win back charges but most people are still successful."
  3. Hey guys..Check out page 39 of the Mirror today! SHOWDOWN - Mirror Money - Money News - News - Mirror.co.uk
  4. hope it all went well for you guys...check out the Daily Mirror on wednesday .....it might be worth a read...
  5. The reporter went straight to the court from the studio, I have had a call from the Daily Mirror too there is a lot of media interest in this case!
  6. remeber guys, Post Office strike tomorrow...those cheques might be delayed until monday!!
  7. Just done my Interview on Radio Leeds. Went well I think but want to wish you all Good Luck.. Be strong..... Dont let them off the hook!
  8. Do it...claim for the time you put in..YB rolled over when I pushed for this.
  9. Hey guys. You will be pleased to hear after some last min faxing and phoning YB have settled. Paying all charges, interest, court fees and self litigation fees! (£3000 ish). So I wont be seeing you all tomorrow But I will still be on BBC Radio Leeds as they still want the interview. Thank you all soooo much and as soon as the cheque arrives I will be making my donation.... Cheers everyone:D
  10. Quick one guys...YB have settled my claim in full inc interest at the last min (as predicted by you guys) the letter says the usual guff but 1 part says by accepting the payment I agree that this sum shall be full and final settlement of this case, and of all claims, rights, actions and causes of action (including claims for interest and costs) that you may have against the bank arising out of or in connection with any issues pleaded in the case. Does this mean by accepting that I lose the right to claim pre 6 years and the right to a wasted costs order against them (they did leave it until the last min)? Help... have to inform court today!!
  11. Quick one guys...YB have settled my claim in full inc interest at the last min (as predicted by you guys) the letter says the usual guff but 1 part says by accepting the payment I agree that this sum shall be full and final settlement of this case, and of all claims, rights, actions and causes of action (including claims for interest and costs) that you may have against the bank arising out of or in connection with any issues pleaded in the case. Does this mean by accepting that I lose the right to claim pre 6 years and the right to a wasted costs order against them (they did leave it until the last min)? Help... have to inform court today!!
  12. Hey guys...BBC radio Leeds have asked me to do an interview on Thurs AM regarding the hearing. They pick me up at 7.30 and are whisking me off to the station for 8am. Im proper nervous about the whole thing now...lol..oh well! I will be in the company of the BBC business correspondant when we go to air!..wish me luck. Hope I dont make a plum of myself!
  13. Thanks for the help guys...Getting a little twitchy as it gets close...better check my suit fits ok!
  14. OK guys...Got my CMI sheet, Witness Statement, Draft Order and reasons why they should be ordered, Statement of evidence with the following attached: OFT report April 2006, House of Commons Early day Motion, BBC Commission Conclusion, Nichole Rich report, All correspondence between me and Bank and I'm throwing in some stuff on Whistleblower and CYNthesys as my claim is with Yorkshire Bank. Please please, please tell me thats all I need and all I have to do now is absorb it and understand it!
  15. Question. So do we need the paperwork mentioned in the Donbrancho thread for this hearing on thursday? Previous information suggested we needed nothing but the Case Managment Sheet already submitted. I have a complete court bundle that people are saying is not needed. So what do we need? What can we expect to happen? Will the judge even speak to any of us? Do we have to submit further paperwork on the day? Do the banks need to even show up? Will this all lead to a court date? HELP!
  16. Im there too. YB is my foe. Contact me on [email protected] plus Im about to start a pre 6 yr claim for any further charges. All because I mixed up my email addresses on paypal and incurred a unpaid d/d of £22. All told the charges they hit me with were over £100!! They refused to talk about it so I unleashed a nearly £3000 claim 6 months ago. Thanks to this site (and moneysavingexpert.com) I feel I'm now equipped with the knowledge to take on the mighty Clydesdale Bank. (fingers crossed). I would love to tell my story and hopefully this sort of publicity will help end the overcharging [problem] the banks pull every day.
  17. What outcome can we expect should the banks not settle before the hearing on thursday?
  18. What about this 1.... ? A little stronger perhaps. Data Protection Act 1998 - Subject Access Request to Accounts xxxxxxxxx & xxxxxxx Dear Sirs, Please supply me with all of the personal data that you hold to which I am entitled under the Data Protection Act 1998. In particular, I require a complete list of transactions and charges relating to my history with your organisation up until 31st December 2000. Alternatively, a complete set of statements will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or manual notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. I enclose the statutory maximum fee of £10 and remind you that you have 40 days in which to comply. I would be happy to collect the Data from my local branch in Headingley should you require. Please note my request is for transactions from the date of accounts opening until 31st December 2000. I am aware of several instances where the incorrect information has been provided, this would be an oversight I would not tolerate. In closing I would like to inform you that none compliance with this request will result in a formal complaint to the Information Commissioner and to the Code Compliance Officer as a breach of the banking code. Yours faithfully,
  19. Thanks for that, seems that YB are playing real hardball these days. I'm in court on Thursday at Leeds claiming the last 6 years (6 month process) so I know they like to drag it out. Maybe I should warn them in advance that any delaying tactics will force me to impose a Wasted Costs Order on them as I believe they are deliberatley stalling and using the court process to delay a case they have no intention of defending.
  20. Going for the pre 6 year claim. Sending my 1st letter soon. Here is a rough draft. Any comments? Any Advice? Anything I should add? All comments welcome!! RE: Bank Charges to accounts xxxxxxx and xxxxxxxx Dear Madame I would like to request a list of transactions for the above accounts from the dates they were opened until 31st December 2000. I am requesting this information under the Data Protection Act 1998 which you are obliged to adhere to under the Banking Code. At this point I remind you that contrary to popular belief you are required to provide beyond 6 years of data if requested as section 7 of the DPA makes no mention of a time limit. As you will be aware you must supply this information within 40 days of receipt of this letter and I enclose £10 to cover the cost of this request. I intend to use this information to claim further bank charges pre 2001 where I feel I was unfairly penalised by Yorkshire Bank. If necessary I will use the small claims court system as per the current claim as I believe the protection you enjoy from the Limitation Act should be challenged after the recent disclosures on the BBC which clearly showed Yorkshire Bank have a highly structured system to audit “delinquent” accounts and should be asked to show your true costs incurred. Having had previous correspondence with Yorkshire Bank during a claim of bank charges I will take this opportunity to try to speed up the process ahead and remind you that none compliance with this request will result in a formal complaint to the Information Commissioner and to the Code Compliance Officer at Clydesdale Bank in Glasgow. Yours faithfully
  21. With all this talk of settlements I'm wondering if it would be frowned upon to not accept any offers. I really want to hold out for the full amount because the bank have dragged this out so long and I have spent ages on it. If I held out would the Judge feel I was been unfair??
  22. 7 days to go and still nothing from YB This hearing sound like it could be a record breaker, I wonder if the press will show! In any case I think we should all go on the razzle after the hearing around Leeds...I know some great boozers!!! Certainly owe J Barton a drink or 3 for the help and advice.
  23. Might be a silly question but in the date section at the top am I putting the hearing date or todays date???
  24. Well guys my case hearing is drawing near, I have done my court bundle (thanks CAG) and feel its all in there and done to the best of my ability. 1 question though.....Do I need to go to court on my hearing date or is the court bundle with all the info in enough for the judge?
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