I said RED light on dash(!) and yes brakes are checked at mot but a lot can happen in 2 months.Cost of brake pads fitted should be around £70.

Stick with it Caro hun , tou know it wiil be worth the wait.We`re all behind you Jules

Hi Caro, Yes used the N1 template from the forums , also quick update , the banks defence arrived in post today ,not had chance to read yet though

sounds like your brake pads are worn to the wear limit indicator, this puts a little light (!) in red on dash ,have it checked by a garage and see if it needs new brake pads.

maybeline could be low brake fluid , but you need to find out why it is low. Possible causes: wear on brake linings , usually front brake pads, leakage in which case immediate attention is needed does the brake pedal feel any different( ie. going further down) are there any unusual noises when u brake i am a fully qualified fitter so any car advice you need dont hesitate to ask Jules

Thanks Caro thoght that would be the case ,they have until thursday.Does it also mean the longer they drag it out the more interest is accrued?? I really hope so .I`m in no hurry , and everything I receive is a bonus so I`ll just pitch my tent and get the stove on, full english anyone??

thanks pj just biding my time

ok quick update , no response/defence from yorkshire.They have till 28/09/06 or i win by default.Anyone got this far with any info/advice relating to yorkshires tactics?? Will they enter defence at 11th hour or just roll over?? Starting to get excited now Bring it on I know it wont happen but hope it goes to court as i have asked for disclosure of true costs.PMSL Any advice appreciated Jules

all hail queen nightstar!! queen of the B A G:p congratulations you had them crapping their pants.

please caro hun, " Jules" will do if no one has it

Claimed as costs not charges

S.A.R letter sent 04/09/06 to gmac-rfc feel free to copy/paste to suit your needs Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER [s] : xxxxxxxx Please supply me with a complete list of transactions and charges relating to my history with your organisation within the last 12 years. Please include a copy of all data held i.e mortgage statements, charges, early repayment fees, deed fees, land registry fees etc .for the period in which I had financial dealings with you. 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 notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. May I remind you, you have 40 days in which to comply with this request. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you previously used to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch/broker. Yours faithfully, [ your name ]

SEND IN THE BAILIFFS NIGHTSTAR you have tried to be compassionate with them and the are taking the p1$$ local press and everything GO GET `EM GIRL

Hi Ben I had EXACTLY the same letter it is just another stalling tactic ignore it and carry on as you are.They have had plenty of time to repay the charges and are just trying to put off the inevitable.Good luck , Jules.

Came across this FSA publication http://www.fsa.gov.uk/pubs/hb-releases/release17.pdf it makes a very interesting read(but very long). Intersting parts are Chapter 20(from page 116) titled "Unfair terms in consumer contracts" It also gives information about how banks have to log complaints and periodically submit them to the FSA and the financial penalties if they do not. Deals with complaint procedures and timescales and one phrase that crops up you will all recognize "final correspondance" as in when and where to insert this into their letters. I PM`d a copy of this to BANKFODDER and as he is very busy as can be expected he has asked me to deal with this post. I am not fully up on the info as I am a relative newbie to the forum , so if anyone with better knowledge can "pick the bones out of it" and post the relevant/useful sections please feel free.

Hi Dashngail, Just finished reading this thread from start to finish.Wow. You seem to be the 1st to have gone through the process and are an encouragement to us all.I have pasted your letters and will be adapting them to suit . A GREAT BIG THANK YOU FROM EVERYONE Lots of people including myself have been holding off action until seeing the results of your case and now I think you will have hundereds or thousands of people following suit.What an achievement you and your son should be so proud of you both.We are.

fantastic news trunny!!! well done you deserve every penny.

Hi trun,been following your thread closely(yorkshire army unite)congrats on the bump by the way,give em hell,take the goldfish to court with you it will throw them,they`ll think your a nutter,(your not are you)

Had my confirmation letter from court today to "assume" bank will have received my claim by tomorrow.Have a feeling they already have ,when Lisa went in to branch to pay some cash in the girl behind the counter started giggling when she looked at computer screen.Lisa just gave her a wink and said no more. Keep you posted.

Thanks you two , good to know your supporting ...........like a sports bra:)

Did you do the "zippedy doo dah" song and dance

Hi Tracey , Got exactly the same letter my papers went into court this aft Good luck

Hi All, Just a quick update ,submitted both N1`s for Acc.1+2(joint+own) 10 minutes ago.Was talking to the lady behind the counter and she says these are coming in thick and fast within the last few weeks so the cause is gathering momentum and growing daily ,I would think mainly due to this site.I have added a link to the site on all my emails I now send to spread the word. Fingers crossed , waiting for a case no.etc and I will submit details to mods for inclusion in litigation section.

It`s a bumpy ride David but stick at it ALL the way ,I have found lots of help and support on this site everyone is with you at every step of the way.Good luck