Of course you can say what you want, it's how you say it though. OK. I'm sure you meant this as a joke, but you didn't actually write it that way. You put: To me it comes across as a bit of an insult, especially with the word [edit] inserted at the end. :o Please stick a or a smiley on it if it's meant as a joke, that's what they're for.

Was that necessary? Actually Yorkshire Bank is owned by an Australian banking group. And as a Yorkshireman who is definitely not tight fisted I find your comment both unnecessary and offensive. Yorkshire people are both genuine and generous and if you take the trouble to get to know a few you'd find this out for yourself. Funnily enough Scots people are not tight fisted either, and nor are the Irish thick, or the Welsh thieves.

There's a button in the bottom right hand corner of each posting box, it says 'Quote'. You're probably using the 'Add Reply' button at the bottom left of the page instead, this doesn't quote the previous post you're replying to.

This is what they want you to believe, remember that the banks have been running the show since day one, and they're still behaving as if the customer is wrong and they are right. Funny that, because most decent businesses behave in a completely different fashion. Yes, you are responsible for running your account, but they also have to play fair too. To charge you £35.00 for a DD bouncing is unfair as this actually costs them less than £1.00 as their system is almost fully automated. No-one actually looked at your account and hand wrote a letter to you every time a DD bounced. The main 4 banks make about 3 billion pounds a year from overcharging their customers in this way. Yes, 3 billion pounds! Disgusting isn't it, to make such a huge amount from customers mistakes? In October last year, the Office of Fair Trading said that even with manual intervention they couldn't see any way that it could cost more than £12.00 for a charge like this. Some banks have reduced their charges accordingly, but since the system is almost £100% automatic, they're still ripping off their customers at £12.00. :o And YB are still charging £35.00 each time! So they're ignoring the OFT. Follow the advice in these threads and the FAQ's and they will have to give you back your money that they took out of your account unfairly. Ask for help and you will get it here, we're all in the same boat and there's always someone who will help you out here. Isn't it nice to know that someone will help you get your money back?

If it did turn out to be Laurel and Hardy, I bet they'd be saying: "Well that's another fine mess we've gotten ourselves into"! Sorry, couldn't resist.

Yeah, I'm really sorry, I just need to get it off my chest somewhere, my partner Helen looks weary every time I start 'going off on one' about the bank. I just go AAAAARRRggggHHHHH!!! sometimes. I feel... Well you know how I feel, you all know. Soon. Very soon. You know what will give me more pleasure than getting my money back from YB? Making a donation of 5% of it to this wonderful website and forum. That's absolutely guaranteed.

Playground? That's the basis of their whole credit scoring system. "Miss, Miss, he went overdrawn so I'm going to tell on him so he can't get any credit anywhere. So Ner"! It's quite pathetic. Whatever happened to having bank staff you could really talk to? They've replaced them with automatons who are unable to make a decision for themselves, and who supplement their wages by selling you an insurance policy you don't need.. I've been with YB since 1975 and it counts for nothing.

They do it because they can. For them, it's all about control. This is the basis of how they operate, how they treat their customers, banks are not run on a mutual basis, they are in it for the money and nothing else. Of course they haven't yet worked out that the longer they stall, the more interest they owe. You'd think that a bank would know that? Maybe they really do think they can win? Headless chickens.

Well, I was in a good mood this morning until I read this, now I'm in a very good mood! I find this sort of thing very uplifting. Before I came here, I used to find banks intimidating, now I question everything they do. And with good reason because they are at best incompetent. At worst, maliciously devious. Talk about feeling empowered!

I'd wait for them to fail before contacting the information commissioner. Mine came after 18 days anyway. I think Yorkshire Bank is the same as Clydesdale bank in this. The seem to be getting their act together with regard to this part of the process. It's not in their interest to stall with the DPA as they've been reported a few times now. Later on of course, they are stalling big time. Some of the legalese they are coming up with beggars belief.

Yorkshire bank bounce the DD and fine you as soon as it goes 1 second past midnight on the day your DD comes out. Lloyds TSB allow you until the end of that working day to get your money in before they bounce your DD. Some banks are [edit] about this, and some behave a bit better with their customers. Yorkshire bank also take your money out on midnight Friday for DD's coming out on Monday. They say it's so you can't accidentally take the money out by mistake and go overdrawn. The [edit] [MODERATED: Please do not post libelous comments on this site]

Go into 'User CP'. it's on the blue bar at the top of the forum. You'll see 'edit signature' under Control panel setting and options on the left under the blue bar. Click on 'edit signature' and type whatever you want. You can have different fonts and colours if you like, you can even add hyperlinks. Don't forget to use the preview feature, and have a play around with it until you get what you like. HTH. Andy.

My statements arrived after 18 days, so that's encouraging for you. They seem to be getting their act together regarding complying with the DPA stuff, but the later stages are all still a bit of a hard slog it seems. I reckon it looks like they don't really know what to do, so they're delaying as much as possible in order to see if anyone falls by the wayside. We'll all be calling their bluff then.

Hi Everyone. I'd like to add this paragraph to my preliminary letter but wanted to ask what people thought first? "Furthermore I note that the £50.00 overdraft limit to my current account no. XXXXXXXXXX was apparently removed without notice to myself, in October 2004 and you then proceeded to charge me for going over a zero balance on four occasions since then. On one of these occasions you charged me what appears to be an arbritrary figure of £20.00 monthly charges for going overdrawn by the sum of 75 pence, which I find to be outrageous". I've tried to find a reason that they might have removed the overdraft limit but am completely stumped. One one occasion only, prior to the removal of the £50.00 overdraft limit, I went over this limit with a total debit balance of £50.98. Surely this wouldn't have prompted them to remove a £50.00 overdraft limit? And there's also the matter of not notifiying me of this at all. I'm really puzzled and angry about that. :? Andy.

Bullies and Cash Cows. Like it, nice analogy.

When they closed your account, did they also default you on your credit report? If so, you should also make sure that they remove this as well. Not 'satisfied', but removed. Accept nothing less. There are other threads about this on the forum.

Thanks for your replies guys. I've been wondering about this one actually. I did send the DPA letter by Recorded delivery, so I know they had it one day after I posted it on the 19th June. Technically the 40 days should start on the 20th June, but I'm not sure about it. Just because they took one week to reply doesn't mean that it starts on the 27th does it? I mean they don't run things now do they? They have to comply with the law don't they? This is unusual for me, bl**dy banks having to do as they are told, it's a great (but very new) feeling! I'm going to write to them over this weekend and request information as to where the statements will be delivered, I'm assuming it will be my Shipley branch. I'm avoiding phoning them as I haven't any way to record the conversation. When I get the YB statements, I'm going after my Lloyds TSB Mastercard charges.... In fact I'd better be looking into a parachute account (or three) soon. I'm may be going to sack YB when I get my money back. What I can't understand is that massive companies like Sainsbury's and other supermarkets will gladly give me points for being a loyal customer, but YB saw fit to credit score me when I wanted to open another account, and I've been with them since May 1975, probably longer than the age of the lass who did the credit score. Cheeky b*st*rds.They just don't get it do they? Imagine if they actually saw the light and started to treat loyal customers with the respect they deserve, just think of the nectar points I'd have for 30 odd years loyal service! I might be able to afford to pay their extortionate charges This whole situation is one of their making and I'd love to see them all go under. Why is it when I go to look for another account with a different bank, that I know I'll actually be looking for the least crappy one rather than the best one? There isn't a 'best' bank, they're all equally crap. End rant, and rest. Aaaahhh , it's Friday tomorrow.

No experience yet, but I'm reading, taking notes and waiting for the day when I get MY money back from them. I'm still on the 40 day DPA thingy. Day 14 and counting.... Good luck with your claims guys.

The cheque for the DPA request has finally been cashed today. Andy.

Hi Folks, Got this letter back from the Clydesdale bank today. Pretty much as expected. I'm glad to be getting this started. Can't wait to get the highlighter pens out. Andy. Clydesdale Bank Network Support Glasgow. 27th June 2006. Dear Mr Wade, We refer to your letter requesting information blah blah... DPA... blah blah... and note that you have paid the £10.00 fee. We confirm that we shall be able to provide you with copies of your bank statements covering 6 years under the right of access under the DPA 1998. Within the terms of the act we have 40 days... blah blah. We also note your request for disclosure of data relating to manual intervention on your account. This is not data which you are entitled to under a data subject access request and accordingly no such disclosure will be made. We will forward the information to you as soon as possible, should you require any further assistance please contact your branch. Yours Sincerely (Name withheld) Network Support.

Hi Folks, Just thought I'd update you all on what I'm doing. Last Monday (19th June 2006) I sent off the Data Protection Act request letter to Yorkshire Bank, and enclosed a cheque payable to them for £10.00. I sent this by recorded delivery. They haven't deducted the £10.00 from my account yet. I'm going to write to them and ask what is happening if I haven't heard anything by the end of this week. Andy.

This was 18 months ago. I did actually ask for an answer in writing (but I never got it) then my partner had our second child and everything else became less important. I was not fully aware of the efforts made by you guys until I saw Trevor McDoughnut and Martin from moneymanager.com on the telly last night. Now I'm wiser and I'll be recording everything. Thanks for your answers. Up 'til now I've always thought of the bank as an entity that I couldn't fight, I now see that's a complete fallacy. My only worry now is that I might miss the boat. Story of my life. Refunds are what happen to other people. Not this time.

Hi folks, I've been with YB since 1975 and it's a shame that I can't sue them for unfair charges for the whole period I've been with them. Anyway, that's for another time, I've a lot of forms to download tonight. How exciting. On another note. I noticed a funny thing that sometimes happens with money in my account. When a DD (direct debit) is due to come out on a Monday, the money for the DD often disappears from my account just after midnight on Friday. Which I guess means that the bank had taken it out thinking that I wouldn't notice. But I did. I have online banking of course and you can see the balance change. I contacted my branch the next working day to ask why this had happened and (eventually) spoke to a very nice lady who informed me that it was bank policy to take the money out so that I couldn't accidentally remove it myself, thus making the DD fail on the Monday morning. This only happens over the weekend of course. During the week it would be spotted by all their customers. Unfortunately I don't have a record of the conversation with the very nice lady. Is this yet another example of banks riding roughshod over their customers? Does anyone else have any experience like this? Andy.