Deanus Vs Yorkshire

[Deanus]

Hi all. Just seen on television about claiming back overdraft fees!! Get in!!

 

Yorkshire Bank have charged me twenty pounds overdrawn charge every other month over the last 5 years and daily unauthorised overdraft charges ranging from between 5 and 8 pounds a day!! Can I claim these daily rates back aswell?

 

Cheers

[Deanus]

Sorry, another question.

 

It is recommended to open another bank account during the claim proceedure. Can I switch accounts and then claim after my bank account is closed. It is just really peace of mind for if they close my account.

 

Thanks

[overcharged_consumer]

You certainly can - if they're penalty charges they're unlawful and therefore unenforceable thus can be claimed back.

 

OC

[overcharged_consumer]

You're gonna have to stick to one thread or you'll get a slapped wrist (OK, so you won't but it's part of the forum rules so you should stick to one thread).

 

I'll answer this in your original thread.

 

OC

[overcharged_consumer]

In answer to the question in your other post, yes, you can still claim from them even if you've closed an account. However, there's no need to close your account, just have another account on standby in case they close your account.

 

OC.

[Guest Lueeze]

Please stick to the 1 thread, I have merged and Moved to Yorkshire bank forum!

 

Louise

[caro]

Hi all. Just seen on television about claiming back overdraft fees!! Get in!!

 

Yorkshire Bank have charged me twenty pounds overdrawn charge every other month over the last 5 years and daily unauthorised overdraft charges ranging from between 5 and 8 pounds a day!! Can I claim these daily rates back aswell?

 

Cheers

Yes you can claim them all back. Spend a few days reading the FAQ's at the top of the page and look at the step by step instructions and it will become clear. Good luck

[Deanus]

They owe me £1290 inc interest charges over the last six years. Paid £10, recieved my statements. Sent Preliminary letter of refund and had a reply of "you agreed to the terms and conditions blah dee blah we dont owe you nowt". Just sent the LBA action letter. My question is has anyone recieved a refund from Yorkshire bank at the LBA stage or have they always filed a small claim? Furthermore did YB close your account out of sheer spite?

 

Thanks

[caro]

They owe me £1290 inc interest charges over the last six years. Paid £10, recieved my statements. Sent Preliminary letter of refund and had a reply of "you agreed to the terms and conditions blah dee blah we dont owe you nowt". Just sent the LBA action letter. My question is has anyone recieved a refund from Yorkshire bank at the LBA stage or have they always filed a small claim? Furthermore did YB close your account out of sheer spite?

 

Thanks

 

Hi Deanus and welcome. Good to have you on board.

 

I can't be categoric about this, but at the moment I am only aware of one person getting a refund from YB, and there are a number of us here claiming. YB are entering defences, which seem pretty unoriginal, and personally I think they are trying to bully claimiants into giving up. I have not heard of YB closing accounts, but if you really want to stay with them there are steps you could try to prevent them. Speaking personally I'm happy not to have an account with them any more.

 

Keep us posted.

[Deanus]

Cheers for reply. Only one person with a refund eh. Sounds daunting. Hopefully just bullying. Looks like I'll have to go to small claims court.

 

Just another concern. I tried opening an account with Halifax but have just been rejected . Letter to the point of "Credit scoring etc etc but there is not just one factor brought into consideration for your application". I havent had trouble with credit scoring for years and now I am concerned about YB closing my account. I did apply for the high interest savings account at Halifax and hope that I didnt qualify for the type of account and not just failed on bad credit history (which I'm sure I dont have). If I dont have credit problems surely they would have offered me a standard current account. Anyway, I've just applied to Barclays so fingers crossed.

 

What procedures do you know to prevent them closing my account if the s**t does hit the fan?

 

Thanks again.

[caro]

Sounds like it might be worth checking the credit reference agencies to check there isn't anything there that you don't know about. If you look in the General forum there is advice on bank accounts you can get, and I think action you can try to prevent closure can be found in the Alliance and Leicester forum, as they are the main culprits.

 

Oh and yes it is bullying and you probably will need to do a claim. Best part about that is you will then be able to add 8% to your claim.

[Deanus]

Taken Yorkshire Bank to court last week via moneyclaim. Total owed £1609 in overdraft fees + 8% interest! Just reading posts - how much are the further costs if they enter a defence (which by the look of other people's experiences they will!)

 

Yorkshire bank must be [edit]

 

[MODERATED: Comments such as these may cause offence]

[rascal3103]

I believe in the small claims court, the defence by Yorkshire Bank is there expense, nothing to do with you. Do a search, but i think that is the case

[Andy Wade]

Taken Yorkshire Bank to court last week via moneyclaim. Total owed £1609 in overdraft fees + 8% interest! Just reading posts - how much are the further costs if they enter a defence (which by the look of other people's experiences they will!)

 

Yorkshire bank must [edit]

Was that necessary?

Actually Yorkshire Bank is owned by an Australian banking group.

And as a Yorkshireman who is definitely not tight fisted I find your comment both unnecessary and offensive.

Yorkshire people are both genuine and generous and if you take the trouble to get to know a few you'd find this out for yourself.

Funnily enough Scots people are not tight fisted either, and nor are the Irish thick, or the Welsh thieves.

[Deanus]

for christ sake mate I grew in Wakefield and all my family are from West Yorkshire. Can no one say anything anymore!!

[Andy Wade]

for christ sake mate I grew in Wakefield and all my family are from West Yorkshire. Can no one say anything anymore!!

Of course you can say what you want, it's how you say it though.

OK. I'm sure you meant this as a joke, but you didn't actually write it that way.

You put:

Yorkshire bank must be [edit]

To me it comes across as a bit of an insult, especially with the word [edit] inserted at the end. :o

Please stick a or a smiley on it if it's meant as a joke, that's what they're for.

[trundlecat]

Scots people are not tight fisted either

 

I was married to a Scotsman for 10 years & he was the most tightfisted **** I ever met..... apart from the rest of his family who were on a par with him. & as for all Scots being hospitable & friendly, gotta disagree with that one too. I found the nice folk were unbelievably nice but the not so nice folk were the unfriendliest I've ever met in my entire life & it was a 50 - 50 split between the number of them. Maybe I lived in the wrong place?

 

Sorry to digress. Best of luck against YB Deanus

[caro]

Can we put an end to this here folks. Having Scottish grandparents and being married to a Yorkshireman I confess to not being thrilled by the content of this. However I also think political correctness can go too far. There are good and bad people everywhere, but please try to avoid remarks that others may find offensive.

 

We are all here for the same reason, so lets just get on with the job in hand.

[rascal3103]

I second that - your place of Birth does not depict what kind of person you are.

Well said Caro

[trundlecat]

There are good and bad people everywhere

 

That was the point I was making, dint mean to offend.

 

Let's not scare Deanus off

 

Anyhow, gotta go, we're off to the zoo! Driving hubby mad by singing "Daddy's taking us to the zoo tomorrow" nonstop so I'd better get the pic-nic made.

[Deanus]

Current status:

 

Owed £1744 Including 8% Interest and court fee (bank charges).

 

Court Claim issued 25th July 2006 after they ignored my LBA - twice (I sent two letters!)

 

Court claim served on the 30th July

 

YB aknowledged claim 2nd August 2006 buying them time till the 28th.

 

28th came and went with no correspondence from bank or court.

 

Just requested a judgement tonight - win by default. Just going to be finally verified. One up for the little man!!! Fingers crossed!!!

 

[Deanus]

Heres whats happened so far:

 

Got statements - paid £10 etc

Sent Prelim letter for payment which they acknowledged and refused to pay.

Sent LBA. The bank ignored it. Sent another, ignored again.

 

Filed claim through Moneyclaim (£120) Date of case 30th July. Bank acknowledged claim 2nd Aug buying them 14 further days.

 

28 days was up on Monday (28th) I have heard nothing from the court or from the bank about submitting a defence. I requested a judgement as the 28 days is up and the status box on my Moneyclaim account states JUDGEMENT REJECTED, YOU CANNOT PROCEED ANY FURTHER WITH THIS CLAIM ONLINE.

 

What does this mean? Have they filed a defence? The court is closed all weekend as well!

 

Can someone give me some advice cause I'm really worried now and in the dark!

 

Thanks

[gizmo111]

Heres whats happened so far:

 

Got statements - paid £10 etc

Sent Prelim letter for payment which they acknowledged and refused to pay.

Sent LBA. The bank ignored it. Sent another, ignored again.

 

Filed claim through Moneyclaim (£120) Date of case 30th July. Bank acknowledged claim 2nd Aug buying them 14 further days.

 

28 days was up on Monday (28th) I have heard nothing from the court or from the bank about submitting a defence. I requested a judgement as the 28 days is up and the status box on my Moneyclaim account states JUDGEMENT REJECTED, YOU CANNOT PROCEED ANY FURTHER WITH THIS CLAIM ONLINE.

 

What does this mean? Have they filed a defence? The court is closed all weekend as well!

 

Can someone give me some advice cause I'm really worried now and in the dark!

 

Thanks

 

I guess they must have submitted defence - have you received one from Cobbetts - they usualyy do this on the 28th day.

[Deanus]

Appied for a judgement as 28 days was up for said above bankthrough moneyclaim. Moneyclaim state that my judgement has been rejected.

Contatcted the court who said that YB had approached the court to get the case 'struck off'. This normally takes two to three weeks for the judge to approve that I have a legitimate case or not! This is something that wasnt in the FAQ's!!

Anyway I have a letter from the court this morning verifying that my judgment has been rejected to the words of this effect:

 

A bar on judgement/enforcement is in place- contact ccbc.

 

Anybody had experience of this? What will I expect to see next? Thanks all!

[Deanus]

Currently at the stage where moneyclaim online have transferred my case to local court (lincoln). A hearing was set last month where I had to submit all my particulars of my claim to the court and the bank which I did. I have recieved another hearing acknowledgement that has been set for the 18th December along with a defence from the bank.

 

This is my real concern:

 

All of the particulars of my claim and correnspondence has been referring to the bank as 'Yorkshire Bank' not Clydesdale Bank. This is the first particular of their defence.

 

The second is that the bank account is a joint account with my wife. She has never appeared on any of my claim particulars. This is the banks second main particular of their defence. They state that I have not complied with CPR 19.3 and the action is liable to be struck out under CPR 3.4(2).

 

The other particulars are run of the mill things like terms and conditions etc we are a fair business etc.

 

What do I need to do now? I have contacted local solicitors for a free consultation but none of them want to give me the time of day. They obviously know that I will take their advice and not gain any profit from me.

 

This is really a worry for me. I dont know where t turn to now. Any help would greatly be appreciated.

 

P.S. The claim is for refunding of bank charges. Total amount £1753