Thanks Caro, for your swift reply.... All is well here, hope things are good at your end to.. So if the test case goes in our favour, we can expect more appeals:( The way i look at it now is with the banks in the state they are now ( some almost broke ) begging money off the goverment, they will do what ever they can to stop paying us out. This recession couldn`t have come at a more worse time IMO.....

Hi, can`t believe it`s been over fifteen months since i last posted on here... Just popping in wondering if there was any new developments regarding the outcome of the test case..... So a small piece in a newspaper latley, i`m sure it mentioned something was to be decided this Thursday..... Could the ball start rolling again if the out come is favourable.... Thanks Swag Bag....

Thanks Caro for putting me up to date, guess i`ll leave it for time being. At least the interest will adding up . ......Swag

Hello all.. Been a while since i`ve heard anything but this morning i got a letter stating that the court has ordered that this claim is stayed until the outcome of the ` test case ` is heard.. I have seven days to object to the order should i wish.. Quick question... are most people now waiting for the test case result or are they contesting the stay ? Also is there a date set for the `test case ` ? Thanks.... Swag ps.. Burnley county court are dealing with m claim..

Hiya all.. It`s been over a month since my last post and still not heard any thing regarding a court date, and still no offer either from YB.. How long does it usually take for a notice of allocation to be sorted out ? ............Thanks ....Swag.

Talk about leaving it to the last minute.... phew.. This thread should be a inspiration to us all Sarah. Well done, pat you self on your back and have a drink..... I raise my rather large glass of brandy to you... Cheers .....nuff said. ....................Swag

Hi Sarah.. I`m still waiting for an offer and a court date... Hope you get a nice surprise in the post before Thursday... Good luck......Swag Bag.

Hi Sarah... Am i right in thinking ,that the next papers that i deliver to the court will be my ( court bundle ) of which i will send the exact same bundle to YB`s legal team......but i only do this when i get my notice of allocation... Without wanting to sound too thick does `notice of allocation`........... mean my court date.... Hi Hillary... Good luck with your claim, we`re all in this together... See you in the `Yorkshire bank successes thread` Last one there gets the beers in ...................................Swag

Thanks for sppeedy replies.... Do i still have to send all the information regarding the draft order ( see post 45 ) before the end of the month.. ? If i don`t will the case get stuck out ?...... just a bit unsure ( concerned ) about this one........ Thanks Swag....

Hello every one.. A quick update...... :- This morning i have just received a photo copy from YB`S legal team of the allocation questionaire which they have also submitted to my local court to be placed on file.... The information that stands out to me 1) Settlement...... they have ticked the YES box, wanting this claim to be postponed for one month so they can try to settle by either by informal or discussion or by alternative dispute resolution.. 2) They are calling 2 witnesses ( in total ) 3) They attatched no fee when filing this AQ.... Any one else had the same response whilst at this stage ? Sounds to me, that an offer could be on the horizon ( must be all )and that they`re keeping the costs down by not paying the £100 fee when filing the AQ ( because they know they`re going to lose ).. Or am i reading to much into it at this stage ? Looking forward to your views ? moss, any body...... .........Cheers Swag...

Cheers Moss, Thanks for your speedy reply. I shall get on with this asap............ Swag Bag

Hello, I`ve handed my AQ form into the local court, and sent Yorkshire banks legal team a copy of the draft order that i gave the court as well.. Just to confirm :- In the draft order which i sent.........it says as follows.. ---------------------------------------------------------------------- The Claimant shall within 14 days of service of this order send to the Defendant and to the Court: a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for that charge being made; b) Copies of any statement or other document relied upon as showing that each and every charge has been made; c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise; d) Copies of decided cases and other legal materials to be relied upon. If the Claimant fails to comply with this order, the claim will be struck out without further order. A) I think i have this ( the schedule of charges plus 8% ) B) So must i now make photo copies of the sixty bank statments that i have...... another 60 for the courts and another 60 to send to YB. C) What do i need to put for this ? D) Is there any thing that i could copy to cover this ? I don`t want to miss out at this stage now, the 14 days will be up by the end of the month...... Had no offer yet....should i expect one soon....how will YB play this ...... Sorry for all the questions, but theres almost £2000 of my money thats been taken hostage by YB and i want it back..

Hello everyone.. ...... UPDATE..... I have just recently received the defence papers from Yorkshire banks legal department signed by K. Ross ( dispute resolution solicitor ). Of which a copy has also been sent to my local county court. ..........Two days later an " Allocation questionaire ( N149 )" arrived for me to fill in and send back by 21/5/2007. ( accompanied with £100 ) I`ve filled it all in bar Question G.. ( other information ) For this do i just copy the template for `draft order for directions ` obviously with my own details attatched to it ? On a seperate sheet of paper........and put "see attatched sheet" in the box provided for section G.. Also if this is correct, should i send a copy of this ( draft order ) to Yorkshire banks legal department or just let the court make the next move ? ......Thanks for any replys...... Swag Bag

Hi Hilary, Nothing as yet, expecting it to stay like for a couple more weeks. Good luck ..............Swag

Cheers for that zootscoot, Just a quick question for any one. I am claiming back charges from 2001 to 2007.. no problem there.... However i have held an account with Yorkshire bank from around 1981, When i have finished this present battle and won . Can i claim for the previous 20 years ( will they still hold my statements after so long ). This could be a big claim if i can get hold of them.. How far back can you claim ?.......Cheeres Swag...

Hi hilaryfrances, I am at exactly the same stage as you are, i received the same letter from the court and from Yorkshire bank as you did a couple of days ago... Apparantly Yorkshire bank like to leave it late to file a defence ( around 28 days ) . I think when they do that, the court will send us an AQ to fill in... Good luck, i shall keep an eye your thread from now........Regards Swag Bag..

Hi moss, Thanks for your guidence through this you`ve been a star, Just a little question, you mentioned "don't forget to include a request for disclosure of CYNtheSYS"...........What is this ? Thanks Swag......

Hello Every-one.. Just to update you on my claim.... Court papers were served on 5th april Today i received two letters from the postman Letter 1) FROM THE COURT STATING :- That acknowledgement of service has been filed. On the 5th April. The defendant has responded to the claim indicating an intention to defend all of the claim. The defendant has 28 days from the date of service of the claim form with particulars of claim, or of the particulars of claim, to file a defence. The acknowledement was filed by the solicitors acting for the defendant who have given the following name and address for service of documents. Clydesdale Bank Legal services PO Box 43 40 St Vincent Place Glasgow G1 2HL Letter 2) FROM YORKSHIRE BANK. Basically saying that the banks position is the same as before. That they are aware that i have already logged POC with my local court which takes precedence over the banks complaint department. If i am unhappy with the way that this has been handled or the outcome i can now complain to the Financial Ombudsman within six months from the date of the final response letter....... and attatched with this is a leaflet about the Financial Ombudsmon. Is this normal Yorkshire bank procedure, ( no offer yet ) and what must i do now....... :- Do they have 28 days from the 5th April to file a defence.. Is there anything i must do mean time ? Thanks, you help would be gratefull......Swag Bag..

Ok thanks moss, i understand now:) .

Hello again, You just got me wondering now moss, do i hand all three copies over to the court. I thought i would keep one for my reference. Made an extra copy just in case .. Cheers Swag Bag..

Hi Chrissy, Not heard from you for a while, are you still processing your claim ? I`ve just filled in my N1 claim form and will hand it in tomorow. Any way, good luck............Swag Bag..

Hi, Thanks moss, I ended up going to the local courts to pick up a N1 form. It`s all complete and ready to take in with £120 court fee tomorrow. Just to confirm, theres three identical claim forms to fill in ( one for me, the court and Yorkshire Bank ) along with this i attatch a POC with each claim form which i down loaded from the library, and also a copy of my spread sheets which now include 8% interest. If all is correct then do Yorkshire Bank have 14 days to reply... Think i`ve got it right, just need some reasurence, ....Thanks......Swag Bag

Hi everyone, Not been on for a while... Hope you`re all well... I received a reply from Yorkshire bank 13 days ago, this was in response to my LBA .... briefly as follows... Re: Reopening your complaint I refer to your recent letter and as requested I have reopened the complaint and a further review is being undertaken. My understanding of the further issues you have raised are as follows: Initial complaint not fully investigated no refund of charges levied to the account I hope to respond to your complaint shortly. I will write to you as soon as possible, once I have had the opportunity to review the above. Please be assured that every effort is being made to bring your complaint to a satisfactory conclusion. Just to confirm, is my next action to to issue a `court claim` through moneyclaim online.. Had a quick look at this site, and theres an eight step form to fill in, one question was " what is the defendents address," would this be my local branch ? Theres also a box to fill in at the end, saying ` particulars of claim .` Is there any standard reply for this and do i include my spread sheet with interest on at this stage.. Also, It may seem a silly question but how do i send, this filled in form .. Do i print and send it, and where do i send it to......? Or is there a form that you can pick up fill in and send off ( that may be easier for me ) Sorry if iv`e confused you, but i`m a bit stuck.....i`ve never done anything like this before......Hope someone can HELP me out here.. Cheers.......Swag Bag..

Hi Chrissy, Just received the same letter as you, now waiting 14 days before next step, i shall be following your case closely Chrissy as i havent time to read lots of post... ( going through a bad time at the present ) Regards ....Swag Bag

Hi all... Received fob off letter with a list of fob off reasons they won`t pay my charges back, accompanied with a complaints procedure letter. So i sent my own fob off letter in the form of a LBA, along with another spread sheet of charges i`m claiming back. Hope to hear from them within 14 days... Regards ............Swag Bag..