Hi You are best sticking to one thread on this forum as it gets confusing. Follow the advice given on your original thread about contacting the banks compliance officer.

You can either send to your branch who will then send it on or just send directly to Leeds address.

No worries Caro I found the link cheers

Hiya Have a good read through the FAQ's first, there are template letters on this site to help but everything needs to be done in the correct order so you don't come unstuck later down the line. http://www.consumeractiongroup.c o....se-read-these/ __________________

7 Days is up and no response from YB, I am going to return the cheque due to unreasonable conditions attached and amend my claim to include the pre 6 year charges. Do I just send the amended schedule of charges to the court to attach to my claim and a copy to YB? Any advice welcome...

The schedule of charges should be sent with the prelim letter and another copy with the LBA. When you file your claim online you can then add interest and you need to send three copies of the schedule of charges to the court asking them to attach to your claim. Have you still got your statements? or have you sent the originals to the court?

Did they acknowledge your letter and cash the cheque for £10? Try this : YB Exceeding 40 days....try this

I can help with some of your questions and maybe someone will jump in and answer the rest. 3) Yes you need to send a prelim letter now followed by the LBA and include schedule of charges with both. 5) You can claim the daily overdraft charge which is usually £6 or £8 and then the £20 charge also. The debit interest is quicky tricky and I didn't include this because I couldn't get my head round it so I just went for the charges and the 8% interest when I submitted my claim. Although I am sure it can be claimed if you can work out the proportion correctly. 7) You can now claim back over 6 years and people have done this successfully with YB

You will probably get another couple offers before they settle in full.

Did you send the prelim and LBA in the usual way including a schedule of charges?

I ripped my cheque up and sent it back with one of the template rejection letters.

I was in a similar position, after I filed my claim and paid the court fees I recieved an offer for exactly half. I sent the cheque back and recieved another couple of offers until eventually they offered the full amount plus court fees and interest. I haven't accepted this yet as there are conditions but it is YB's usual tactic to make partiall offers initially. If you have just forked out £30 to file the claim you definately want that back and what they took from you initially.

I recieved statements back to 1994 from Yorkshire Bank

cheers Caro, I will amend this now and get it posted off.

Hiya Caro I wonder if you can have a quick look at this letter I want to send to YB in response to their settlement. I am not very good at writing letters... Dear Sir or Madam Re: Claim xxxxxx I received your cheque today for £618, although it missed the deadline imposed. I am willing to accept it as settlement of my current claim for charges applied between xx/xx/xx and xx/xx/xx. I do intend to reclaim further charges that have been applied to my account so I want to make this clear that the settlement is for this claim only. I am not willing to discontinue the claim without assurance from you within 7 days from the date of this letter that you agree to these terms otherwise I will continue and amend my claim accordingly. I trust this clarifies my position Yours sincerely

It is mentioned in quite a few threads and it is just their standard response.

I think your right, they responded late and the wording of their letter is iffy. I will put something together later and post it on here before I send it. Thanks again caro I don't know what I would do without you..

The letter says... I refer to your acceptance letter dated 25th april 2007. Please find enclosed a cheque for £618 in full and final settlement of all your claims against the bank and its counter claim against you. Please can you now send your signed notice of discontinuance to Salford county court as soon as possible. I initially sent michaels letter from this thread accepting within 7 days for this claim only and then on tuesday I sent the letter you drafted for me advising I would be amending my claim. I notice on their response it says "of all claims against the bank"

I feel inclined to take this because it may look to the court like I am being unreasonable and then go after the rest as a seperate claim but zoot mentioned a claim made up of all pre 6year charges may get thrown out but on the other hand I don't want them to get away with the £200 + interest.....oh I don't know what to do

I have just noticed the cheque is dated 2nd may but the letter is dated 4th may. I wrote on 25th April saying I would accept providing the cheque was recieved within 7 days.

Very odd, when like you say they always arrive on a friday. The cheque is for what I initally agreed (providing it was within 7 days) £618 but interest upto today would take it to £623. The additional 6 years would be another £220 + interest. The bank will have recieved my letter telling them they missed the deadline and I am amending my claim.

Help ..... a cheque has just arrived today for full settlement. Its £618 dated the 2nd may. Part of me wants to cash it but I was just about to amend the claim to include the pre 6 years. Advice please?

I have just noticed on my draft order of directions I didn't include the CYNthesys bit, will it matter?

Yes you put that you are claiming charges + court fees + interest from the date your claim started until today.

Unless YB have offered you the full amount including court costs and interest I would send one of the template rejection letters reminding them of the full amount you are expecting. With regards to the pre 6 year claim you have I am awaiting further advice on how best to proceed so you might want to keep checking out my thread.