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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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yorkshire bank charges v a very worried ker7085


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i have been claiming back my charges from yorkshire bank and had sent my pre lim letter after working out all my charges i have recieved a horrible letter basically saying get notted and added to it was this............................................please note that should you proceed straight to court action against the bank in respect of this matter, the bank reserves the right to lodge a counterclim against you for damages suffered as a result of the breech by you of your contract with the bank its really worried me i dont know if i should carry on or is this just a scare tactic

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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Really, really don't be at all worried by this. Yorkshire bank have been trying this scare tactic on more than a few people if you hunt round the threads. There more detail in them about what they are trying to counter claim and why it will never work.

 

Cheers

 

Hugh

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Really, really don't be at all worried by this. Yorkshire bank have been trying this scare tactic on more than a few people if you hunt round the threads. There more detail in them about what they are trying to counter claim and why it will never work.

 

Cheers

 

Hugh

 

 

thanks boyfalldown let u know how i get on :)

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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thanks boyfalldown let u know how i get on :)

 

 

 

im sending my LBA off and im swatting on all the court claim threads so i kind of know what to nexpect and get alittle more confident with it am i right in thinking i send my schedule of charges off again:idea: :idea:

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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Don't let them grind you down. I am one of those who have had a counterclaim, and it is so bad that I couldn't quite believe what I was reading. I have never seen court papers before, but even I knew what they said was plain silly. I have put in my defence and they are worried enough to have offered my money back plus court costs, but I have declined as I want my interest too. You will get loads of support here so don't worry.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks caro and youre right for sticking to your guns you have them shaking in their boots. i will let u know how i get on would i be able to pick your brains if i get stuck........ which theres no doubt about that

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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There is no shortage of people that are sick and tired of this organisations bully-boy approach to it's customers.

 

Fight them all the way and you'll get your refund.

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** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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ive done it ive sent my Lba off two days ago and feeling more confident as i know i have the support of people in this group. the only thing that worries me is the alocation questionaire i wouldnt know what to put in it but im trying not to get to wound up about it.ive been on money claim just getting familiar with the site and reading up on the quidence notes and ive also satrted filling it in so any additional info on this process would be useful from anyone who has been through it.also i wondered if a experienced reclaimer could maybe be my buddy through this i promiuse i wont bug yeh.....................lol.:D

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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Example POC, which should fit on moneyclaim:

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022).

 

 

 

 

AQ is quite straightforward, you can mug up on it here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

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thankyou michael for your support i will keep you informed

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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Hi Ker7085

I was there a couple of weeks ago.

Don't give up, it is there standard letter. It's like a game of chess. You send a letter, they reply saying no and threaten. You reply by telling them you don't believe them and threaten back, etc.

I have rejected their 50% cheque and threatened court action and now recieved a reply from them saying, go ahead then !

My next step is to work out the interest @ 8%, costs, and add it all up. Then I can issue the moneyclaim.

Good luck.

Russ.

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Hi

I To Am Having Big Problems With Yb/clydesdale It Has Got To The Stage Where They Are Defending My Claim On The Grounds That Only I Am Making The Claim ( It Is A Joint Account With My Husband) And That I Have Not Included My Husbands Signature They Also Say Their Correct Name Is Clydesdale Bank Trading As Yorkshire Bank I Claimed Against Yorkshire. I Was Worried At First But I Have Returned The Questionnaire & The Fee Of £100 Pounds And Am Keeping My Fingers Tightly Crossed That They Pay Up. I Have Only Just Found This Yb/clydesdale Group But Already I Don't Feel Quite So Alone Now ! Good Luck To All Of You

 

Ruth

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Take a look at Trundlecats thread as she had the same problem, although you should be able to act on your own. Trundlecat's hubby just signed something to say he wouldn't claim as well. Don't worry about the bank name.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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do remember me posting a thread saying i had sent my lba just as a matter of decency reaslly after my sod off reply from pre lim letter well i recieved another letter saying they wanted another four weeks to bring this matter to a satisfactory conclusion? dont know what to do shall i proceed with money claim on the 23rd as planned or give them four weeks

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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Hi Ker7085

I was there a couple of weeks ago.

Don't give up, it is there standard letter. It's like a game of chess. You send a letter, they reply saying no and threaten. You reply by telling them you don't believe them and threaten back, etc.

I have rejected their 50% cheque and threatened court action and now recieved a reply from them saying, go ahead then !

My next step is to work out the interest @ 8%, costs, and add it all up. Then I can issue the moneyclaim.

Good luck.

hi glenn good luck let me know how you get on because were at the same stage how do find moneyclaim i think after youve read the guidance notes about twenty times it kinda makes sense lol:cool:

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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i have nearly completed my moneyclaim and filled in my particulars but the only thing im stuck on is how to attach my scedule of charges as it wont fit in the spoace of particulars as it only allows a certain amount of characters and ive nearly done that so i would be really grateful if someone could help me with this one .............. ive searched faqs hi and low but cant find anything thankyou

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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You can't. When you know your claim no. send MCOL 2 copies clearly marked with your claim no.

 

thankyou micheal for your support :D

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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  • 4 weeks later...

Hi

 

Im new to this site and have banked with the yorkshire bank for around 15years. I have already sent them a letter asking for my charges for the last 6 years whihc total over £3000. They have already replied telling me no way will i get a refund and that if i claim through court they will counter claim and they have given me 6wks to respond. i was a little worried about about what i do next. can you please advise what the best course of action is

 

thanks

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