Have a look at this thread... New strategy for Allocation Questionaires Post #55. You'll need to read through the defence that YB sent to you and decide which statement of evidence fits your claim. Hope this Helps PaulMWilding

Congratulations !

Thanks for the congratulations on my claim, along time in waiting, but you do get there in the end. Hang in there, you'll get your cheque for the full amount soon !

Been a long time coming, but..... I've Won ! Postman woke me up at 06:30 on Saturday Morning with a Special Delivery cheque for £4971.87 .This is the full amount claimed plus full interest plus costs. Thanks to Caro and Sajabu2003 who have helped me a great deal throughout the claim, and all of the people who help make CAG work and be as successful as it is ! And, hope your house gets sorted soon Caro ! Please change you change my title to WON. A donation will be on it's way shortly and the survey will be filled in. Thanks

Getting nervous now as not had anything still from YB, and the court date is next Wednesday !! However, read this in the Daily Mirror today... ----------------------------------------------------- 'VICTORY' IN BANK FEES WAR 05/07/2007 A COURT yesterday ordered two banks to come clean over the true cost of levying penalty fees. Judge Iain Besford told Yorkshire Bank and Alliance and Leicester to disclose how they calculate charges and the cost to service a bounced payment. Campaigners described it as a turning point in the fight against "unfair" charges of often more than £30 for going beyond an agreed overdraft. Of 44 claims for refunds, all but eight were settled before the hearing in Hull. The banks are thought to have paid customers more than £50,000. District Judge Besford said the remaining cases should go before the Small Claims Court. Martin Lewis, of MoneySavingExpert.com, said: "Today is a watershed moment for bank charges." --------------------------------------------------------------------- And also came across this announcement Yesterday from Bankfodder http://www.consumeractiongroup.co.uk/forum/announcement.php?f=68&a=102 Great News obviously ! But how does this article and BankFodders announcement yesterday affect any existing cases ??? Especially as I am due in court next wednesday !!!

I rang the court today, and they have not received any documents from Yorkshire (no surprise) although the deadline was last wednesday. I have just faxed to Ms Ross the non compliance letter found on the following thread to see if that kicks them into life and to send me my cheque ! http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-directions-non-compliance-letters.html I'll let you know if I get any replies to this non-compliance letter....

Court Bundle with Statement of Evidence hand delivered (All 200+ pages !) to Court yesterday, and a copy sent to Yorkshire. Still haven't had anything back from Yorkshire despite me sending 2 letters in the last 2 weeks offering to pay their actual charges if they disclose them.. Oh well, 2 weeks today until the court date

No offers or no reply of Ms Ross yet ...... Although my directions do not state that I need a statement of evidence, I was wondering if it is better to put one in because it seems to collate everything together and makes the court bundle look better... Yorkshire's defence is all about the charges being a fee for the service provided etc etc, and there is a standard template on another thread.... Would it help if I put one in ?

Congratulations ! Thanks for your advice so far on my claim as well....hopefully not long now until I can celebrate !

Thanks Caro, letter to Ms Ross on its way today... Will let you know the outcome....

Hi, I have been reading up on court bundles and checking through existing threads for information. I have been reading that more and more people are being asked to provide statements of evidence, however, when I received my notice of allocation letter from the court on 09/05/07, it stated the following 6 requests... 1. Each Party must deliver to every other party and to the court Offices copies of all documents on which he intends to rely at the hearing. 2. The copies must be deliverd no later than 14 days before the hearing. 3. The original Documents must be brought to the hearing. 4. No party may rely at the hearing on any report from an expert unless express permission has been granted by the court beforehand. 5. the parties are encouraged to contact each other with a view to trying to settle the case by negotiation or narrow the issue. 6. Failure to comply with the directions may result in the case being adjourned and in the party at fault having to pay costs. I have a couple of questions to ask... Do the above 6 requests mean that I do NOT have to provide a Statement of Evidence ? Will the Basic court bundle tailored to my case suffice ? And for point 5, do I write to Kirsty Ann Ross again to politely ask for my money back again ? Is there a template for this at this stage ? Alot to ask for, but it is also alot to get my head around ! The court date is on 11/07/07 and have a couple of weeks to submit my case.... Thanks in advance.

A long time coming, but had a letter from the court to say they have set a date for the hearing on 11/07/07. Hooray ! Not long to go now then..... However, how will the Lloyds case that the bank won in the news last week affect any of these claims ??

Hi, Had a copy of the YB AQ that Kirstie Ann Ross had filed. Looks a standard reply apart from they have asked for any futher action to be postponed for one month...... As I have read in other threads, this appears to be another stalling tactic used by YB, but is there a way or a template to use to reject or query the extra month ?

Just reading through alot of th YB threads, and most people seem to have had an offer by now......even if it is only half. The AQ deadline is today, and I haven't had anything from YB. Just makes me worry a bit that I have done something wrong..... Is this normal ?

The deadline for the AQ is 26th March......

I just thought, I have sent my AQ to the court, but do I need to send a copy of that to Yorkshire or do the courts do that ? Also, nice to see Yorkshire got a mention on Whistleblower last night ! And a nice bit of free advertising for Consumer Action group as well !!!

It was thanks Caro, and thanks for your reply and confidence bankrubbish ! AQ filled out as advised and will send in the post this evening.... Await the (long drawn out) reply !

Had the defence from the court in the post today along with the AQ to fill out. Most of it seems easy enough to fill in, apart from Section G - Other information..... I have read the guide from jonni2bad which is great, but do you have to go into a lot of detail in this section, or is a brief overview ok ? Any templates or suggestions would be really helpful..... Any help is much appreciated !

Will keep you all informed !

Hi Everyone, I followed a few peoples cases and all of the guides in the FAQ's to get here. Here is my case so far.... Claiming - £3730 Interest - £894.77 Court Costs - £120 Total - 4744.77 1st letter issued - No reply LBA issued - Had a reply from Neil Mckirdy to say that they wouldn't refund any charges as they thought they were fair. Standard reply I believe. Issued MCOL on 06/02/07. Defence received today (08/03/07) from Yorkshire, Kirsty Ann-Ross to defend all claims against them, and that the terms and charges are fair and I should have looked after my account etc etc.... No mention of any counter claim though. Again, I think this is a standard defence. Do I just wait for the defence to be sent from the court and then send back the AQ ? Or is there anything else I should be doing in the mean time ?