Jump to content


My claim - Yorkshire Bank Visa


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5160 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 sent my prelim letter 16.10.06 (no response as yet) using the complex credit card spreadsheet in the library. Since my discovery of the Vampiress spreadsheets to calculate compound contractual interest I am considering amending my claim. Does anyone know what interest I should use? The rate per month on my statements is 1.385% (Purchases) but I don't know what this actually equates to. I've been on the YB website but can only find Mastercard rates not Visa ... can anyone help with this?

 

Thanks in advance :)

  • Haha 1

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • Replies 128
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I've re-entered my claim details on the compound contractual interest spreadsheet (using 28% as a test till I find the correct amount) & my figures have changed from £340+£36.19 actual interest on charges having an additional £199.92 in compounded interest - does anyone know if this sounds about right??? :idea:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Rec'd bog off letter today so i will be preparing LBA shortly - I'm now gonna claim compound contractual interest instead of the actual interest charged ... do I have to issue another Prelim or can I mention the amended amount & reason in my LBA ???:confused:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

I sent my prelim letter 16.10.06 (no response as yet) using the complex credit card spreadsheet in the library. Since my discovery of the Vampiress spreadsheets to calculate compound contractual interest I am considering amending my claim. Does anyone know what interest I should use? The rate per month on my statements is 1.385% (Purchases) but I don't know what this actually equates to. I've been on the YB website but can only find Mastercard rates not Visa ... can anyone help with this?

 

Thanks in advance :)

 

I've still been unable to frind the rate to enter on my spreadsheet - It isn't on YB or Clydesdale website as my rate is 1.385%/month on my statements - can anyone help?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Just been in the live chat & got the answer to my % to enter on spreadsheet Q (thankx dax/hag:) )

 

Now just need to know if I need to send an amended prelim letter now I'm claiming interest or can I just mention in my LBA?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

I should do it by the book and do a new prelim. YB are bad enough at paying up, so it is as well not to give them any excuse to try and wriggle out of it. Good luck.

 

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

Yeah that's what I thought ... Thanks for your help & honest opinion

 

So I have a battle to prepare for do I? I thought their bog off letter was very to the point - ie NO ur not getting your money back!!!

 

Here we go again then ... new prelim & spreadsheet to be done today & posted Monday ...

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Does anyone have a draft amended prelim letter advising I'm now gonna claim compound contractual interest?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

There aren't any at the moment. You need to amend the original to suit your particular claim. Make it quite clear that you are claiming compound contractual interest.

 

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

Righto all done ... what do you think ....

 

Yorkshire Bank

Card Services

PO Box 4509

Leeds

LS2 8NP

(DATE)

Revised request for repayment of charges

Dear Sir/Madam

ACCOUNT NUMBER: XXXXXXXXX

I am in receipt of your letter dated (Date), regarding my request for repayment of charges.

 

While waiting for your response I have spent the time effectively, researching the issue of reclaiming charges. I now realise that I am entitled to add compound contractual interest to the whole of my claim. As I am revising my request, and in the interests of fair play, please take this letter as a fresh preliminary request for repayment.

My request

I am writing to ask you to refund to me the charges which you have been applying to my account over the period (date) to (date).

I now understand that the regime of fees which you have been applying to my account in relation to Late Fees are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

What I require

I calculate that you have taken £340.00 plus £36.19 which you have charged me in interest for the sums which you have taken. Total £376.19.

In addition to this amount, I also claim interest at a rate of 17.9% APR as set out in the attached schedule of charges. I believe this rate to be justified under the principle of mutuality and reciprocity: it is based on your standard rate for purchases that would be applied under the terms of the above-mentioned account. Therefore the total amount owed as of today’s date is £499.91.

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Yours faithfully

 

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • 2 weeks later...

Posted revised prelim letter 28.10.06 - no reply as yet .... :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Letter rec'd today dated 7th stating 'further to my recent comm & as requested they have reopened my complaint & a further review is being undertaken'

 

says they will respond shortly & in due course - better hurry as prelim expires this weekend!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Nothing in post today ... preparing LBA with tommorrow's date on so onwards we go ..... :cool:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Rec'd leter today from Neil McKirdy (Anyone had dealings?) with a cheque for £170.00 in full & final settlement and without admission of liability etc,etc. It also states that encashment would be taken as acceptance. Says bank would like to resolve without the disproportianate expense of copurt action. Also states the letter is written in an attempt to resolve without need for court action & is without predjudice to the banks whole rights & pleas and may not be founded on in any action to follow without the banks written consent (does this mean a copy can't be sent to court as evidence?)

 

Obviously will do a refusal letter stating cq would only be accepted as part payment but what do I do with the cheque? Very tempting isn't it when it's in your hands! :-|

 

Any comments on how to approach?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Obviously will do a refusal letter stating cq would only be accepted as part payment but what do I do with the cheque? Very tempting isn't it when it's in your hands! :-|

 

Any comments on how to approach?

 

Wot if I keep the cheque but don't cash it & state something in my letter to the effect that I will withold until I receive another for the balance etc?

 

I really am loathed to tear it up n send it back!:(

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

you know you've got to send it back don't you.:roll:....it's not worth anything anyway if you keep it without banking it - they could put a stop on it.

Link to post
Share on other sites

Send it back, think how it would feel with a cheque in your hands with the full amount!!

I tore mine in 2 and off it went :)

 

Started 25th Sep 2006 - got cheque on 4th December 2006. Settled without interest but full amount plus court costs :)

A & L Watch out buddy you are next 2007!!!!

Link to post
Share on other sites

you know you've got to send it back don't you.:roll:....it's not worth anything anyway if you keep it without banking it - they could put a stop on it.

 

Send it back, think how it would feel with a cheque in your hands with the full amount!!

I tore mine in 2 and off it went :)

 

oooaaaaahhhhaaawwwww I knew u were gonna say I'd av to send it back :( oh well, spose it's nice to see as a starter ... can I keep a photocopy? :rolleyes: PMSL!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

oh forgot to add they also say this in the letter ...

 

'Further, even if you were successful in your arguments the bank would have a claim against you for dmages suffered as a result of your breach of contract in failing to adhere to the terms & conditions of the account. Such a clam would incur court costs & interest for which you may be held liable' :o

 

Sounds pretty serious - is this standard scaremonger stuff?? :-?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Does this reply sound ok or am repeating myself too much???

Thank you for your letter dated (DATE) and your cheque for £xx.xx, relating to my request for repayment of charges. I have noted the contents of your letter and I respectfully decline your offer of settlement and I will only accept the sum offered as part settlement.

Because you note in your letter that encashment of this cheque will be taken as an acceptance that you have resolved this matter, I have taken the decision to return this cheque on the clear understanding that I will pursue recovery of the full amount, with a County Court claim if necessary. I therefore have attached the cheque torn in two, and request, once again, that you return to me the total sum of my claim.

If you do not comply fully within the 14 days as stated in my Letter before action dated (DATE), then I shall begin a claim against you for the full amount including interest (currently standing at £xx.xx as of today’s date) plus my costs and without further notice

I trust this clarifies my position. I look forward to receiving your positive reply but as stated in my previous correspondence, should my request not be settled in full, I will proceed with my County Court claim on (DATE). You are reminded that there will be no extension to this timescale.

 

Yours faithfully

chezt

please be honest - I can take it! :-|

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

They have done counterclaims against a lucky few, including me, but I don't think I've seen one lately. Definitely send the cheque back with this mob, as they will find any little excuse to wriggle out of paying the balance.

 

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

Apart from taking out respectfully, the letter looks fine to me.

 

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

Caro so just ' I decline your offer of settlement ' then? ie don't be respectful? ;)

 

Oh the counterclaim stuff sounds a bit scary - do they have a case or is it all delaying stuff?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Does this reply sound ok or am repeating myself too much???

Thank you for your letter dated (DATE) and your cheque for £xx.xx, relating to my request for repayment of charges. I have noted the contents of your letter and I respectfully decline your offer of settlement. [NOT NEEDED - and I will only accept the sum offered as part settlement.]

Because you note in your letter that encashment of this cheque will be taken as an acceptance that you have resolved this matter, I have taken the decision to return this cheque on the clear understanding that I will pursue recovery of the full amount, with a County Court claim if necessary. I therefore have attached the cheque torn in two, and request, once again, that you return to me the total sum of my claim.

If you do not comply fully within the 14 days as stated in my Letter before action dated (DATE), then I shall begin a claim against you (in the county court on date) for the full amount including interest (currently standing at £xx.xx as of today’s date) plus my costs and without further notice

I trust this clarifies my position and I look forward to receiving your positive reply. [NOT NEEDED - but as stated in my previous correspondence, should my request not be settled in full, I will proceed with my County Court claim on (DATE).] You are reminded that there will be no extension to this timescale.

 

 

Yours faithfully

chezt

 

please be honest - I can take it! :-|

 

I think it was a bit repeated in places.

 

PS Don't worry they're talking out of their bottoms. What damages? The interest you pay on your overdraft is enough to compensate them for going overdrawn!

Link to post
Share on other sites

I think it was a bit repeated in places.

 

PS Don't worry they're talking out of their bottoms. What damages? The interest you pay on your overdraft is enough to compensate them for going overdrawn!

 

Thanks bong - This is a credit card claim so do you still think it's ok?

(cheers 4 coming back to look btw :) )

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...