Have I got the record?

[garyrw100]

Hi everyone,

Just calculated my charges from Yorkshire bank for the last 6 years!

Account # 1: £4193

Account # 2: £5069

Total = £9262!!!!

Prelim letter just posted so see if you can hear the screams from the YB branch!

Can anyone beat this?

Gary.

[ozzywizard]

Cool Gary, good luck m8. go get em.

 

You do realize acc 2 is just over the limit for the small claims court ?

[garyrw100]

Thanks Ozzy,

I wondered about Acc. 2. Is it best to put in 2 claims for this acc?

BTW, if (when!) Iput the claim through the court, the 8% added will take it to £5141 on Acc. 1 and £6957 on Acc. 2. Total of £12098!

Do I have to take this into account with the £5000 limit for each claim?

[lisamellor]

you can seperate the claims.

 

but leave a gap between or else the judge may decide to put them altogether.

 

nice one what you gonna spend your cash on?

 

BEST OF LUCK LISAxx

[caro]

It doesn't matter if the 8% takes it over £5,000. If you wanted to do it all in one claim, the chances that YB would actually go all the way to court are extremely remote, but you would be liable for their costs in the unlikely event that you lost. As they could be asked to disclose how they calculate their costs if you chose to go down this route it is highly unlikely that they would choose to do this.

[barnett]

Hi Gary, Sorry but beaten your record!

Account 1 £5939.35!!

Account 2 £7707.73!!

Can u let me know wot stage u r at with the Yorkshire Bank?

[garyrw100]

Hi Barnett,

Nice to know I'm not the only one who's been done over by this crew to this extent!

Still at the prelim letter stage I'm afraid, so just expecting standard sod off reply. I will be taking it all the way though! Hope you will be too? This is payback for all the times my wife and kids have had to go without because these (edit) have taken my wages! Thats the thought that will keep me going!

Keep the faith Brother!

Gary.

[barnett]

Thanks Gary, Have already had the initial sod off letter! with a threat of a counter claim for damages suffered because of breach of contract! Think they are trying to scare me off going any frther. Not a chance! LBA sent today. Let me know how you get on.

Good Luck!

[garyrw100]

Hi all,

Sorry for not posting for a while but nothing to report ..till now.

Sent the LBA and waited...and waited....and then...REPLY from Neil McKirdy!!!

Usual rubbish,all your fault etc.. but..Enclosed are cheques for £2100 for acc#1 and £2700 for acc#2! No admission of liability and in full & final settlement. Obviously far short of what they owe me so replied saying I would accept them as part payment and claim for the rest unless they pay me what they owe. Got a reply stating no chance, so MCOL on Monday!

Questions, questions though...1st one is as on account is in my name and the other is a joint account with my other half, can the bank combine the claims and force them on to multi track? Second, do I claim for the full amount, or just the balance less what they have sent (i haven't cashed the cheques)? Third, I am also about to seek a set aside for a CCJ they Got without me knowing (It was just at the time I moved) which is made up entirely of penalty charges. Strangely enough, they have NEVER chased me for this.Will this have any effect on the claims?

Thanks for any replies, all advice received most gratefully!

[garyrw100]

Anyone? Could do with some clarification before Monday?

[caro]

It is vital that you rip up the cheques and return them, then claim for the full amount. A claimant in Scotland cashed a cheque, advised the bank it was accepted as part payment, but the judge seems to be agreeing with the bank that cashing the cheque implies acceptance of the terms.

 

I know it's a lot of money to reject now, but better than losing the balance later.

[garyrw100]

Thanks Caro,

Will be doing that after reading your thread! Congratulations in order of course! Just hope mine doesn't take as long..

[caro]

I hope not too Gary. I get the feeling they aren't taking QUITE as long with newer claims, and the delays in my court didn't help. I got there in the end though and got them to pay for the delays in the form of interest, so it was well worth it.

[barnett]

Hi Gary, Just wondered how things were going - any news? My 1st claim has been stayed for a month but the 2nd claim wasn't granted the month stay and have a court date for March 15th. Did you send your cheques back? I cashed mine and wrote stating I had accepted them in part payment. Could have made a complete mess of things, but still went ahead and put in claims for the balance on each claim. Will just have to wait and see what the Judge says!

barnett

[caro]

How's it going Gary. Have you put your court claim in now?