yorkshire shocker

[bluedaz1973pool]

hi everyone i sent off my huddys Data Protection Act just two weeks ago to yorkshire bank i thought we would have to wait ages to recive the statments but today we recived them iv been up since five this mornging with my twins and just as i was considering putting matches in my eyes to stay awake :o the post came iv only looked at 5 months of charges its already at £200 these are better than any caffine intake to wake you up in the morning. Carn't wait to put the kids to bed tonight to start adding them all up. will keep you updated on progress8)

[caro]

Early night for the kids coming up! Keep us posted.

[bluedaz1973pool]

Added all the statments up last night and the GRAND total came to £2199 :o so on the site i came to prepare the first letter to yorkshire carnt wait for their reply.

 

but just a quick question what are a schedule of charges looked all over faq but just carnt find what it means i dont want to send off the wrong thing to the bank feel really stupid for asking

[dolly]

The schedule of charges is the spreadsheet here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-excel-spreadsheet-work-out.html

 

It's a very good way of keeping a record of your charges. Bear in mind you can't ask for the 8% interest (that it calculates) at this stage as you can't include it before you make you court claim. You can however threaten that if they don't pay up before that stage that it will be included.

 

Hope that helps and good luck

[caro]

There is also a sheet there called charges and interest which Vampiress has done, that you can use to calculate the interest you have paid on your charges. You can claim this interest with your charges and then add the 8% on if or when you have to do a moneyclaim. But as dolly said you can't claim the 8% yet. PM Vamp if you need any help.

[trundlecat]

I'm really, really trying to stop it but it's on it's way, yet again..... ROBBING ******'S!!!!

 

Good luck Bluedaz

[bluedaz1973pool]

im just about to send my first letter off to the yorkshire asking for my money back and was wonder can i claim from when i asked for my statements or do i have to date back from 6 years from todays date

[pjdudley69]

personally, I claimed 6 years from the date I sent my DPA letter and started the ball rolling. If people just did the 6 years from when the actually received the statements, the rate YB [and especially Clydesdale] are taking, you could have lost out on months of fees!

[bluedaz1973pool]

iv just handed in my prem letter into yorkshire to return home to my statement i have gone over drawn by £5.00 so they have charged me £8.00 a day (three days) plus £20.00 overdraft fee when asked why they didnt let me know they said that policy is not to inform customers for four days that they are overdrawn so in the mean time they are claiming £8.00 a day. Im fuming, i didnt notice because my wages had gone in on the fourth day and i just withdrew what i needed and didnt realise they had took another £44.00 from me for going £5.00 overdrawn can i put in another prem lettter for £44.00?

[caro]

Add it on when you send your LBA.

[bluedaz1973pool]

i sent my prelim letter in on tuesday and have just got a letter through today (thursday) with by the looks of it the usally response giving t&c and its up to me to look after my money etc. Am I correct in thinking i just wait for 14 days to past and then send my LBA letter and wait for a response from that.

(has anyone else noticed that yorkshire have put their charges up to £25.00 again)

[rascal3103]

if you have already had a rejection letter then you do not need to wait for the deadline (i didnt) you can issue your LBA now, and then the same applies with the MCOL

[JulesTools]

Hi All , an update of my progress so far .Issued 2 lba`s (joint account and my own account) Have now received a letter with a cheque for £200(half what i am due on joint account),nothing yet for my own account.Cheque will be returned to my branch along with a letter of refusal and reiteration of deadline before mcol .Will keep you posted as to outcome,Julian and Lisa

[rascal3103]

no need to send the cheque back, just dont cash it yet.

This is what I sent:

 

Neil McKirdy

Customer Relations Manager

Customer Relations (Box 14)

Clydesdale Bank Exchange

20 Waterloo Street

Glasgow

G2 6DB

 

 

 

Dear Neil,

 

ACCOUNT NUMBER: ********

 

Thank you for your letter dated 15th August relating to the penalty charges applied to my account. Unfortunately I have already started legal proceedings against Yorkshire Bank through the small claims court. I set a clear deadline of 14 days from my Letter Before Action; I had confirmation from both the branch and Glasgow that my letter had been received. I extended the deadline by a further 7 days to give you the benefit of more time. I eventually started legal action on the 16th August 2006.

I accept your cheque of £500.50 as a partial payment, but I will continue with legal proceedings until I receive a further payment of £751.92, which will be the full amount as requested on my claim form. I will not cash the cheque until the remainder is forthcoming.

I hope you find this notification in writing satisfactory and I feel disappointed that it had to result in this action being taken. I look forward to hearing from you in the very near future.

 

Yours faithfully,

[Guest Zooman]

I starting to real dislike this bank.

 

I do not accept the partial offer. My position is very strong and I do not foresee losing the case in court, as such only a payment in full plus fees plus interest will result in me withdrawing the claim.

 

Also be aware that in the allocation questioner notwithstanding allocation to the small claims track I will be requesting the indulgence of the Judge to exercise his discretion and make order for you to file at the court office and serve me with a list setting out how charges have been calculated.

 

I have returned the cheque.

 

I advise you to not waste you time making partial offers and prepare for court or make a offer in full. Also be aware if you leave the offer until AQ have been filed any offer that includes me accepting "No Liability" on your part will be rejected and any offer will have to be truly non-conditional or it will proceed to hearing.

 

To be clear I am only prepared to accept a offer that requires I accept "No Liability" on your part before AQ are sent out.

 

Please confirm your position on the above.

[JulesTools]

Thanks for that rascal,here`s what i sent

 

19TH August 2006

 

URGENT ATTENTION NEEDED

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

I refer to your letter dated 15th August 2006, your ref XXXXXXXXX

I am writing this final letter to accept your cheque of £200 as partial payment of my claim against charges levied on Account No.XXXXXXXX

My intentions still stand as outlined previously and I intend to submit a moneyclaim through the courts within the next few days. I am disappointed your response has not been satisfactory and feel there is no alternative than to take this matter to court.

If you wish to avoid court proceedings I suggest the matter is resolved before close of business on Wednesday 23rd August.

May I remind you that in addition to the £400 I claim against this account , I will be seeking interest and costs when the matter goes to court. I am also waiting upon a satisfactory outcome on the same basis to my Account No.XXXXXXXX and court action will also be taken for this account at the same time.

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Yours faithfully,

[caro]

Hi Jools and welcome to the forum. Could you please start your own thread so that we can all follow your progress. You have posted in several other peoples threads which makes it a bit confusing. If you want me to move any of the posts to your own thread just PM me and I will do it for you.

[bluedaz1973pool]

iv sent my lba letter off 13 days ago and received a letter from Yorkshire to say give them 4 weeks to look into this ( i dont think so ). So tonight iv sat down to start my money claim but i was just wondering what address should i put down for Yorkshire iv been sending my letters to my local branch should i put down Yorkshire address in Glasgow or carry on with my local branch thanks in advance for any replies

[rascal3103]

put down your branch address - dont put glasgow otherwise it could be classed as a scottish claim - it will end up there anyway so dont worry

[HUGH FRANKLIN]

I recieved a cheque on Saturday for close to half of my calculated charges. Unfortunately in exchange they are claiming for closing charges on one account through their debt collection depatment!

Good Luck.

[bluedaz1973pool]

sent my lba letter just over two weeks ago received a letter to say give us four week to look into the complaint. So sat down over weekended to get my moneyclaim ready but i went to the bank yesterday to see that i had £1090 more in my account than what i should have. I went in to get a statement to find it was put down on my statement as charges adjustments iv had no letter informing me. Has anyone else had this? What should i do now.

[k_shel]

if i were you I'd send the thank you for partial payment letter and proceed with moneyclaim to the dates you were planning?

[caro]

sent my lba letter just over two weeks ago received a letter to say give us four week to look into the complaint. So sat down over weekended to get my moneyclaim ready but i went to the bank yesterday to see that i had £1090 more in my account than what i should have. I went in to get a statement to find it was put down on my statement as charges adjustments iv had no letter informing me. Has anyone else had this? What should i do now.

This is a new one on me, but I agree that you should continue with your claim, minus the refund.