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Everything posted by jmahdavi

  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Sod off. They justified that they opperate in accirdance to the banking code, and stated that my account was governed by the banks standard terms and conditions, and stated, "I am not willing to refund the charges"
  3. So I have recieved, what appears to be a standard reply from Neil Mckirdy, to my Prelim, and I want to know should I wait to the 14 days to send the LBA, hence this looks good on my part or should I send it as they have refused to send money. Next when I do send LBA I assume i should send it to the department Neil is in? Or to him specifically? Finally has anyone been sucessful in claiming charges from YB? If so who and at what stage did they pay? cheers
  4. Hi I was shocked this morning to find that Natwest had refused a DD on my account and charged me £38, (which was more than the DD amount) because my account was 19p short! I had found out on Sunday that the funds were short, so transfered £20 from another Natwest account so that they would arrive on Monday. They claim the charge was done because the DD was requested at Monday 00:00:01 and that the money transfered in at 00:00:02! So they claim technically not there! Also they told me that for funds to be cleared in an account they should be there 24 hours before they are to
  5. Ok so i now have my statements and have worked out the total charges they have levied against me. My question now is, as information around this seems a little sketchy and forgive me if this has been asked before, do I now send a Prelim or an LBA, or Prelim followed by LBA after 14 days? Cheers jmahdavi
  6. No my branch is now about 2 hours drive away! Why arent they just posted direct to me from the central locations, is this just a delaying tactic to have them sent to two locations before they arrive to me! When can i start to include 8% in my calculations just out of interest?
  7. They are aware of the fact this is a DP disclosure and they understand the £10 covers the request for the statements too. They are not saying if there were or weren't manual interventions, they are flatly refusing to give details of this as they say I am not entitled to know this information. Interestingly when I contacted them about when the statements would arrive, they told me that they are all generated centrally and not at branch level anymore!? I think my situation could turn into a nightmare as my original branch closed and it was moved by them to another holding branch,
  8. Ok heres an update, DPA posted to YB on 28th April 2006, Letter recieved from collections on 4th May saying 'cough up' Now today letter recieved, dated 16th May, ackowledging my request for statements and stating they have 40 days, but I assume that this 40 days is from around the 28/04 and not 16/05? Anybody? Seccondly they write: "We also note your request for disclosure of data relating to manual intervention on your account. This is not data which you are enititled to receive under a data subject access request and accordingly no such disclusire will be made." Is th
  9. Hi I have/had an account with YB. I encountered money problems which were made 100x worse by their regieme of charges. They have asked me to pay what I owe to them. I sent off a DPA request letter to them including the £10, they have sent me a letter back saying "thankyou for the £10, it was not what we were expecting please send full payment" even though in my letter I said I would be claiming charges they levied against me and would be using this to offset what I owe them. I believe the ammount I owe them will be dwarfed by what they owe me. I want some advise o
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