Jump to content


judi24 v Yorkshire Bank **settled**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5288 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am looking for some advice please!

I know this sound a bit dim but could someone please tell me which charges I can claim for exactly. I recieved my statements today (has taken about 2 weeks to come through)

Is it only the returned DD charges and bounced cheque charges or is it all the exceeding OD charges as well - they give you 14 days notice of a £20-25 pound cahrge for exceeding the OD an the month. What about all the unorthorised OD daily charges - these range from £4-8 pounds. Are these classed as acceptable?

 

I'm really confused about which charges I can actually claim back.

  • Haha 1

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites
  • Replies 70
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi and welcome.You can claim for all the charges you have listed.Have a good look at the threads on here and read the FAQs.This should tell you all you need to know;)

;) If this helps please click the scales bottom left
Link to post
Share on other sites

Thanks zebbydog. I just wasn't sure about these day rate charges cos of the amount. But in some respects these are the most excessive cos if you don't check your account everyday a few days of these really mount up.

Its going to take me hours to add them all up. My OH and I have four YB accounts!

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites
Thanks zebbydog. I just wasn't sure about these day rate charges cos of the amount. But in some respects these are the most excessive cos if you don't check your account everyday a few days of these really mount up.

Its going to take me hours to add them all up. My OH and I have four YB accounts!

 

Go get em girl:-D

;) If this helps please click the scales bottom left
Link to post
Share on other sites

Ok I'm in complete shock - I have spent the evening putting my cahrges on 4 our accounts onto spreadsheets - They total £4314!!!!

Has anyone else had experience of claiming this amount?

I am very aprehensive about this - it seems such a huge amount. I'm not sure I have the nerve to folllow this through - they are not going to give in easily for this amount are they?

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

This amount £4314 does not incluse the debit interest. What is this and should I calim for this too. I don't want to push it but at the same time I don't want them to think I don't know what i'm entitled to and don't know what I'm doing - which obviously I don't - but will with the help of this site!

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Printed off request for payment tonight - total of £4314 in charges and £463.81 in debit interest Grand total of £4777.81!!!

Judi24 V Yorkshire Bank Let battle commence!

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Judi, I dont think you claim the interest at this stage. Just the charges. Read up on the FAQ .

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

Link to post
Share on other sites

it's not the 8% interest on the charges themselves. It's the debit interest that they apply to the account each month If i'm overdrawn. I ahve asked for advice on this on this thread and the MSE thread and everyone has said to cliam for them.

I hope i've done the right thing cos the letter went today!

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Yeah no worries, my missunderstanding,thought you was on about the 8%.

 

Good luck.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

Link to post
Share on other sites

I'm really not very good at stuff like this. I'm trying to get my head round it all and take advice from wherever I can get it. I've read the FAQ's but it didn't make clear which charges I could claim for. We seem tohave a huge amount of charges. They are from 3 different acounts. Looking at them there are some statements that show over £200 pounds in charges in one month simply by not having enough money in the account to pay one dd.

I can't believe we've paid this amount and just accepted it as part of the banking service.

I'm pleased that we have got it together to claim them back but I'm a bit aprehensive cos a really feel a bit worried about not knowing my way round the system.

Any advice would be greatly appreciated as i expect we have long and colourful fight on our hands.

Everyone elses threads are so helpful so i'll keep reading.

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

This is happening very fast! Sent letter requesting payment on monday. Got a letter back today!!

I think it's a fairly standard reply saying that we entered a contract with the bank and agreed to pay the charges outlined in the terms and conditions. Saying that if we are not happy to take up a complaint with the financial ombudsman etc.

I take it from what I've read on these posts anf the FAQ's that I can move onto the LBA stage. Is this correct? I don't have to wait the 14 days?

Also this letter came from my branch manager. Do I send the LBA to her or to head office? Any advice would be great.

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Sorry to be dim again but are people putting this bit on thier LBA or not?

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.

 

And are people intending to do this?

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

LBA gone today. Now a bit worried that YB will close our accounts and take my wages at the end of the month. Does this happen often? I didn't want to cahnge to my other account till next month cos i'm changing jobs next month and didn't want to change wages over for one month. Any advice?

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

My OH got a phone call today from YB on his mobile. He didn't answer cos he was in the pub! I wonder what it was about. they would have got our LBA today! No doubt we will soon find out!

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Hi Judi. You seem to be doing fine so far. I am claiming over £4,000 too and you are quite right to claim the interest you have had to pay on the overdraft charges, and when you come to do a moneyclaim, you can claim the s69 (8%)interest too.

 

It is quite scary to begin with, but you will find that you gain confidence as you go along, especially if you keep reading. If YB phone again and it is about this matter, don't get into any conversations with them in case they try to bamboozle you or fob you off. Just ask them to put any questions or comments in writing so that you can look at them and consider them in your own time.

 

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.

Link to post
Share on other sites

Thanks Caro you seem to be an old hand at this. I am curious over waht thay wanted. They didn't phone home just my OH's mobile. but you're right it's not a good idea to get into phone debates with them. my OH can't hear well so will instruct him not to take the call fromthem.

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

I started in exactly the same way as you. I had not heard of anything like this until March and started my claims in May. YB are still digging their heels in but I will get there. You pick it up as you go along.

 

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.

Link to post
Share on other sites

What's the point in digging thier heels in? They are going to loose so why drag it out. Other banks are paying up easily or so it seems. Does it matter how much you're claiming to how easily they pay up?

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

Until very recently they weren't really paying at all, but they seem to be beginning to see the light. I can't see much of a pattern yet, although some seem to be sent cheques for 50% now and they seem to think that is enough.

 

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.

Link to post
Share on other sites

my claim at the moment is £4770 ish. This is for three accounts. 2 in my husbands name and one in joint names. I have done LBA for one claim last week. Not heard any thing yet. But If I submit a money claim with the 8% when the 14 days are up the calim will be more than £5000. Should I make 2 separate claims?

Any advice would be great.

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites

It is ok if the section 69 (8%) interest takes you over £5,000 as it will still be eligible for the small claims track.

 

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.

Link to post
Share on other sites

Update -

Got a 'lovely' letter from Neil McKirdy 1 week after LBA to say that he will respond to my compalint within the next 4 weeks. Am I obliged to wait these 4 weeks or should I continue with next step after the initial 14 days are up? If I continue with the next step should I let him know? Any advice please.

Yorkshire Bank: Claim for £4777.85! :o MCOL sent 03/10/06

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...