Hi Zebbydog , Been following ur thread , Miss Ross cant be THAT stupid(can she??) , if u look at my thread u will see my problems with exactly the same woman.She is either very crafty or very stupid . Caro knows which one I would go for:D Good luck Zebby and keep us posted

Ta PJ

BOOOOOOOOOOOOO....... to Miss Ross Letter dropped through post this morning....words to the effect of........ We realise we have made a mistake(damn right you have) and we have written to court removing or application for a strike out as you have not cashed the cheque and you did not agree this to be a full and final settlement(ooooo you don`t say). They have instead entered a defence against my joint account claim (usual blurb) They have also sent an offer of £300 + £50 costs (no 8% interest though) for the period November to July(funny that i was claiming another £100 for October too) Will accept their offer if they also include the £100 from October I think. Writing letter to that effect and sending Monday. I have had a few charges also since I started my claim approx £100>150 , anyone think I should ask for these at the same time or separately:???: . Your input and advice would be appreciated guys :grin: :grin: :grin:

Update so far Account No.1 Handed in AQ today 13/10/06 .....oh bugger its friday 13th Account No.2 Hearing set for 20/20/06 after YB said I had cashed the £200 part settlement cheque and have accepted this as "full and final settlement" I dont think so Miss Ross.....I`m sure I sent you a letter to the contrary and oh whats this in my hand ......the £200 cheque UNCASHED Would love Miss Ross to attend hearing on 20th but I have more chance of seeing Jesus dancing the maypole. Keep you up to speed A GREAT BIG THANKS TO CARO,KARNEVIL,HAGENUK (I`M SURE I`VE MISSED A FEW OUT) FOR ALL YOUR HELP AND INPUT SO FAR IT MEANS A LOT TO ME:grin: :grin: :grin: :grin: :grin: :grin:

Not up on these things but...... does this allow her to practice in england or not??

Have you managed to get your head round the spreadsheets yet Maggiemay??

She may not do when I submit a claim to the Law Society re my joint account claim:D

Already in hand Hugh , but waiting until case is settled

No problem Caro, I have prepared everything just in case anyway , like a good little boy scout:razz:

Replied to your PM ,but its better to post your question here so more people can help you and give you the best advice. Jules

Why Caro, Do you think Judge may want to deal with the case there and then ?? I hope so hehe

Hi Pj As promised here is my wording as I think Use or discard at your discretion I am writing to ask that you refund to me charges , to the sum of £75 levied , from my account during the past 3 months. As you are no doubt aware, I have, in the past, asked you to demonstrate to me that these punitive charges are fair , just, lawful and that they are being lawfully applied in accordance with Common Law, Statute and recent consumer regulations. I have also asked you to demonstrate that they represent a true cost to the bank of the bank’s actions, or that they represent a fair pre-estimate of cost for those actions. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful. Furthermore, you will be aware from my account history that, after recently raising a claim in the courts, the bank refunded penalty charges to the sum of £665.25. I hope that you will enter into a sincere dialogue with me regarding this matter, and I write this letter on the assumption that you would prefer to do this rather than merely responding with standard letters and leaflets as before. If I do not receive a satisfactory response within 14 days, I shall once again be sending you a letter before action giving a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated staff and departments. After that, there will be no further communication from me, and I shall issue a further claim at the expiry of the second deadline.

It is Caro, I was worried when I first saw they wanted to strike it out but when I saw WHY I thought oh yesssss . I know its doubtful but I hope someone from YB attends. I wont laugh...................much

I know isobel but then I would be sinking to their level. Victory will taste so much sweeter knowing I have risen above it and screwed them in the @$$

Ok....... Letter taken to court this afternoon it reads: Claim Number 6WF02390 Further to your letter of 02nd October 2006 , please find attached a copy of the letter I sent to Yorkshire Bank on the 19th August 2006, after receiving a cheque offering a partial settlement, explaining my position. I consider that the full amount of charges levied on my account is unlawful, and although I believe that I am entitled to the £200 cheque I have not cashed it to ensure that there would be no misunderstanding that I was accepting it as full and final settlement. A copy of this cheque is enclosed, and I will be pleased to produce the original in court. I would respectfully ask that the court seek a satisfactory explanation as to why Miss Ross has claimed that I have cashed the cheque and thus accepted full and final settlement of my claim when indeed I clearly have not. I trust that the documents enclosed will be sufficient for my claim to proceed to a speedy resolution and I am happy to present any further information to the court without delay. Yours faithfully, I stopped short of making "deliberately misleading the court" "lying b*st*rds" and "incompetance" slurs against YB as I think it is better just to state the facts and let the Judge see it for what it is Hearing is 20th october 10.30am ........ooooooooooo I do hope YB attends as I would love to see their faces:eek: . Will keep you all posted

Thanks Caro , love and kisses ROFPMSL

This is the letter sent rejecting the cheque as a full settlement.Note I still have the cheque and it remains uncashed. I refer to your letter dated 15th August 2006, your ref PCW/YB/06-xxxxxx I am writing this final letter to accept your cheque of £200 as partial payment of my claim against charges levied on Account No.xxxxxxxx. My intentions still stand as outlined previously and I intend to submit a moneyclaim through the courts within the next few days. I am disappointed your response has not been satisfactory and feel there is no alternative than to take this matter to court. If you wish to avoid court proceedings I suggest the matter is resolved before close of business on Wednesday 23rd August. May I remind you that in addition to the £400 I claim against this account , I will be seeking interest and costs when the matter goes to court. I am also waiting upon a satisfactory outcome on the same basis to my Account No.xxxxxxxx and court action will also be taken for this account at the same time. Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. Yours faithfully,

Right update on joint account, Time to take gloves off received letter from court today saying Yorkshire had asked to have claim "struck out". They are claiming that the £200 cheque they sent me (which i kept uncashed as part settlement and informed them I would be continuing in court for remainder) has been cashed therefor accepting this as a full and final settlement of a £487.15 claim I THINK NOT MISS KIRSTY ROSS. I will be going to court tomorrow to show them the so called "cashed cheque" together with a copy of my rejection letter and asking why Miss Ross would be allowed to sign her name to such a blatent lie. She has even had the cheek to ask that I pay their £85 costs. Now I`m ****ed off and ready for action.Any thoughts from anyone.

yes halfords will do it just ask at counter

Thanks again Caro (for the name change also xxx) How about this, anyone want to correct/ add to it??? Re: Account number xxxxxxxx Response to settlement offer. Dear Sirs, Thank you for your letter dated 25th September 2006 I respectfully decline your offer of settlement and request, once again, that you return to me all monies claimed on this account Claim no. 6WF02389 If, as you state in your letter, you wish to avoid the costs of defending this case and counterclaiming I would suggest you make every effort to resolve this matter before 9.00am on the 9th October 2006.At that point in time I will be submitting my allocation questionnaire and will also be adding any costs incurred to that date.I will also be asking for the disclosure of a true and accurate breakdown of calculations used when determining charges on my account. I trust this clarifies my position and timescales. Yours faithfully Mr JulesTools ready for court hehe:mad:

if the brake pads are ok then i recommend removing the brake pads clean off any dust fron around assemblies with a proper aerosol brake cleaner.Then before refitting the brake pads smear a thin layer of copper grease or other high temperature grease on the metal surfaces , NOT THE FRICTION MATERIAL!!!!! I know the last comment is obvious but beleive me it has happened.This may not cure it permanently but it will for a lot longer.Another idea is to jet wash inside the wheels/brakes before removing this takes out most of the dust. IF YOU ARE UNSURE OF DOING THIS YOURSELF PLEASE TAKE TO A QUALIFIED MECHANIC AS YOUR / YOUR PASSENGERS LIFE IS MORE IMPORTANT THAN SAVING A FEW QUID Any questions dont hesitate to ask

Hi, National were right in their comments , it is usually dust etc. What car is it ,there may be something I can recommend Jules

It did Caro , also yesterday received an offer of £1595 for own account no interest or costs Yeh right ,thanks but no thanks YB What do you recommend sending letter back saying thanks but no thanks see u in court and i will also be claiming £100 AQ fee. Any one any suggestions/templates Thanks

Data Protection stuff arrived yesterday by recorded delivery , just need to find time to wade through it all.Very thourough with what they have sent me copies of EVERYTHING including little jotted notes on letters etc and presented in a lovely plastic folder,aaawwwwww bless.Will sift through everything and see what i am entitled to and re-post later

You have been a great help and adviser to me on my quest and countless others you deserve our gratitude and support.