Hi I have a question that I need clarification on and thought I would try here.A bit of background I have been lucky enough not to be sick from work for the last 43 years for more than the odd day. I have had COPD for the last 7 years and slowly this has made my working day harder. I have a labour intensive job. In early April I went to see the doctor as I was not able to carry out my daily duties at work without severe discomfort and breathig problems. this continues still. However I was told to attend a medical on 15th May, the results and verdict state that "I have no limited capability for work" and my ESA will not be paid from 28th June.It states if I make a VALID claim against the decision within 1 month they will consider paying ESA at the assessment rate untill the decision of any appeal.Firstly what constitutes a valid appeal.What is an assessment rate.The ammount I recieved before the decision was £141.?? for2 weeks

hi so are the £5 per day unauthorised overdraft charges reclaimable thanks eileen

hi does anyone know if these charges are legal when paying off a morgage early thanks eileen

Sorry add .com

hi just a tip for those who dont know. add www to this title and check out the banks etc and you will find a list of geographical (landline) telephone numbers.. will stop them making more money out of us. cheers and good luck

thanks glenn didnt think you could claim interest charges for being overdrawn thanks again cheers

hi to all have been reading through threads on this page and i see people trying to claim back interest they have been charged on overdrafts. i thought these charges were legal. you cant claim this interest back can you cheers and good luck

Hi to all data protection act letter is going to be sent today, i know its going to be a long battle as i have read so many of your threads here. yorkshire really seem to dig there heels in dont they. I am up for it and will not wilt or be bullied, i know i have help and support here.. cheers and good luck to everyone eillen

hi isie hows it going with yorkshire bankers.. i am just getting ready to take them on and was looking for someone who had got their money back cheers and good luck eilleen

thanks wickerman you look like you have been busy cheers and good luck eileen

hello i am new to this forum and have read many threads but cant find the answer to my problem so am asking for your knowledge and help with it. I have a business account as a sole trader and wish to claim back charges for non payment of direct debits. I read that if you are a PLC you send a different letter to bank. As im not a PLC will the letter RE data protection act 1998 subject access request be sufficient to make them send me the list of transactions and charges. hope someone can help thanks eileen

hi outacash must be the finger (dyslexia?) cheers and good luck

thanks welly have found it... what great folk on this site cheers and goog luck

hi again when i click on FAQ at top of page it asks for a word or words but it keeps saying no matches am i doing something wrong thanks cheers and good luck

thanks outacash will take your advice and do lots of reading and will be asking a lot of questions first am of to the FAQ page now cheers and good luck