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Russ R v YB after the 50% offer.


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I was also wondering if I could charge them £25 for each of the 5 letters I've sent them during this dispute. When I think of what it involves:

Postage ......................................... .......... £1.00

20mile round trip to the P.O. @ 50p.ml ............. £10.00

My time for producing the letter and posting it. £14.00

 

I'm about to send my 6th letter so that amounts to another £150.00

 

They don't hesitate in charging us for their letters!

Russ.

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I've replied as follows:

 

Yorkshire Bank Customer Relations.

20 Waterloo Street

Glasgow

G2 6DB

 

10th September 2006.

 

 

Re: Account numbers XXXXXXX.

Response to settlement offer.

 

Dear Hilary McGuinness.

Thank you for your letter dated 6th September.

I respectfully decline your offer of settlement and request, once again, that

you return to me all charges imposed on this account, totalling £XXX.XX with no conditions attached.

 

I will accept the sum offered only as part settlement and on the clear

understanding that I will pursue recovery of the remainder, with a County Court

claim if necessary with interest @ 8% and the relevant charges added.

My letter before action sent previously indicates that you have until 12th

September to respond before Court action commences, but I am willing to give

you a further 14 days to respond to this letter before I commence court action.

There will be no further extension to this timescale.

 

I trust this clarifies my position.

 

Yours sincerely

 

 

Russ R

 

I just hope it gets the right response this time!

Russ.

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Hi Russ, good lad, don't back down on this, they will pay up eventually.

I'm just a step behind you in my claim against clydesdale but thay have asked for more 4 more weeks to investigate after LBA...no chance !

 

Good luck bud

 

davg

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Following on from my thread, to cut a long story short and to save alot of duplicate reading:

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/14994-russ-r-yorkshire-bank.html

 

YB offered me 50% of my fees back and sent me a cheque. I replied:

 

Dear Hilary McGuinness.

Thank you for your letter dated 6th September.

I respectfully decline your offer of settlement and request, once again, that

you return to me all charges imposed on this account, totalling £XXX.XX with no conditions attached.

 

I will accept the sum offered only as part settlement and on the clear

understanding that I will pursue recovery of the remainder, with a County Court

claim if necessary with interest @ 8% and the relevant charges added.

My letter before action sent previously indicates that you have until 12th

September to respond before Court action commences, but I am willing to give

you a further 14 days to respond to this letter before I commence court action.

There will be no further extension to this timescale.

 

I trust this clarifies my position.

 

Yours sincerely

 

Etc.

 

Today I had a reply saying that if I encash the cheque, it will be taken that I accept it as full and final settlement and that their position remains unchanged.

 

Is there an interest calculator that works?

 

 

Do I then fill in the moneyclaim form.

Thanks.

Russ.

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Hi Russ, I have just received the same letter with a cheque for 50% of my charges. I had been wondering if I could accept the cheque and carry on the claim for the rest of the money or if I should send it back. After reading your thread I think that I will probably do the same as you and send a letter back like the one you have posted. Will keep watching to see how you get on.

 

Janette

Janette

 

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So are you going to cash the cheque and claim the remainder or are you going to send it back and claim the full amount?

Tried the interest calculator its really easy, couldn't believe how much the interest is - another grand on top of my total- they can afford it!

 

Janette

Janette

 

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Hi Russ, I have just received the same letter with a cheque for 50% of my charges. I had been wondering if I could accept the cheque and carry on the claim for the rest of the money or if I should send it back. After reading your thread I think that I will probably do the same as you and send a letter back like the one you have posted. Will keep watching to see how you get on.

 

Janette

 

 

I'm pretty sure we can cash and carry on, but not cashed mine yet.

Please can someone confirm this for us.

Russ.

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I like that term "cash and carry on". A lot of people have accepted cheques as part payment and informed various banks that they will pursue the balance.

The Consumer Action Group is a free help site.

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

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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Please stick to one thread as it makes it easier to follow your progress.

The Consumer Action Group is a free help site.

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

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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