sajabu2003 v Yorkshire Bank ***WON***

[caro]

Believe me I'm trying my hardest to get it for you and everyone. I do have some additional things, but they are no use without the CYNthesys info which I don't have, although I know a very overworked man or even two, who do.

[sajabu2003]

Right my court bundle is ready to go in the post to Ms Ross tomorrow and also being handed in at the court. Just need to print off latest schedule of charges and witness statement. I think that's everything now.

 

Any news on CYNthesys information? Don't worry this will be the last time that I ask No doubt others will though lol.

 

Sarah.

[sajabu2003]

Quick question... In YB's defence it says

The charges were a fee for the service provided by the Bank to the Claimant in extending facilities to him, all as envisaged by the agreement in place between the Bank and Claimant. Further and in any event, the Charges were a genuine pre-estimate of cost resulting from the Customers' failure to keep within the agreed overdraft limit on the account.

 

Which statement of evidence do I use? The 'SERVICE CHARGE' or 'GENUINE PRE-ESTIMATE' I'm sooooooooooooo confused and running out of steam now.

 

Can't wait to get this stuff posted out tomorrow and then I have only 15 days left until court.

 

Sarah.

[theodane]

I would have thought the genuine pre-estimate as it says "in any event". I've got a similar dilemma. I know what you mean about running out of steam and being confused and everyone seems to have deserted us!!!! TBH people must be getting fed up with the same old questions being asked but I have tried searching the threads for different things and there is SO MUCH to trawl through that a) I run out of time (seemed to be all day on my court bundle yesterday and still more to do) and b) get more and more confused. Thanks again for your help yesterday.

[sajabu2003]

Yeah I thought that and then started questioning myself as it also mentions the charges being a fee for a service. I always search the YB threads and sometimes other bank forums on here as you can normally find the answer somewhere but this has got me stumped. I've sent a private message to a moderator so hopefully they might have the time to offer me some advice. You're welcome about the help yesterday I do try to offer as much advice as possible on here as I know that there's always someone here to help me.

 

Sarah.

[theodane]

If you get your answer would you post on here please.

[sajabu2003]

Of course I will.

[richard625]

Hello sweetheart.

 

Not that it helps but when I got mine together I chose the "genuine pre-estimate". This wasn't on the advice of any mod, just did "ip-dip"

 

I'm really rooting for you now. This has gone on far longer than it needed to. You must be getting some money soon. I'll keep checking in on you.

[sajabu2003]

Hahahaha I nearly just wet myself @ the "ip-dip" bit I'm currently sat here reading through both statements and still none the wiser. I sent GaryH a private message but I don't think he's on here again until this evening which isn't really any good to me. I'm hoping a mod will spot this and be able to give me some advice and failing that I think I'll be playing "ip-dip" lol

 

Hope you're well and the studying is going to plan.

 

Sarah.

[georgieboy]

Hi Sarah

 

did you manage to get hold of the T&C's for your bundle - I asked at the bank and have been told to write for them to the head office. I am sure you will soon have your dosh.

[sajabu2003]

I haven't managed to get hold of the T&C's yet

[theodane]

T & Cs do these have to go in then.

[yosemite]

Hi, I am at the same stage and waiting for an answer re the statement of evidence. I thought that the pre-estimate one was most applicable but I am also getting confused with all this reading. If anyone does manage to get the T & C's can you post here. One final question is anyone using the information regarding CYNTHESYS in their bundle

[caro]

Hi Sarah, I'm afraid I've failed miserably to get you anything. I suggest that for now you include BankFodders description of CYNthesys in your bundle, and I will continue my efforts to get something more concrete for you should you get to court. If I succeed you could always send it later with a covering letter to explain that you have only just got it but believe it to be relevant. This is what I think you should use for now, and if you use thread tools you can get a printable version. I think it could be enough for a judge to ask the bank for more information, and the fact that it has gone to an MP lends credibility.

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html

 

Maybe Andrew George MP's press release could be included too.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-690529.html

[sajabu2003]

caro you are a star I've decided which statement of evidence I'm going to use and it's all printed off with the relevant documents to support it. I shall also add this to my court bundle {{{HUGS}}}

 

Sarah.

[caro]

Thank you. {{{HUGS}}} back.

[caro]

Sarah, if it isn't too late I have just been sent an email with the info you need. Hallelujah!!!!!!!!

 

I need to look at it first and go over it with Robertxc, which won't be until later tonight, but should be able to let you have it later tonight or tomorrow. Can you email me at [email protected] so I have an email address for you.

 

I imagine we will be sorting it for others shortly too, so please just be patient a little longer if you can please folks.

[sajabu2003]

I'll email you in a sec I need to hand my bundle in by close of court tomorrow so I'll wait and see if Robertxc and yourself manage to find the time to send me something by the morning. If you can't then not to worry, I do understand that all of us have real lives outside this site lol.

 

Sarah.

[stevieg08]

Hi Sarah

 

I'm just trying to get my court bundle sorted and am following your thread for advice .... what statement of evidence do I use? The 'SERVICE CHARGE' or 'GENUINE PRE-ESTIMATE' and where can i find it?? Its all too confusing

[sajabu2003]

Have a look at this thread... New strategy for Allocation Questionaires Post #55. You'll need to read through the defence that YB sent to you and decide which statement fits your claim.

 

Hope that helps a bit.

 

Sarah.

[Pheobe Buffet]

Sarah,

Just been 'trying' to make sense of all your posts, you sure have got your hands full havent you!? Sounds like the help and support on here have been really good - as per usual.

 

Think that will be me soon - I have until nxt week for YB to make a move.....

 

Good luck - got everything crossed for you!

Claire x

[georgieboy]

Sarah

have read through YB defence and it says charges were a fee for services and also a pre-estimate so does it really matter which Statement of Evidence is used..

[sajabu2003]

Guess not lol. I've printed mine off now anyway and it's going in the post this afternoon and being handed into the court

[georgieboy]

Best of luck you have been an inspiration to the group - if I had the money I would pay you out myself.

[stevieg08]

Me too!! Thanks for your help Sarah. Good Luck!