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caro v YB - defence & counterclaim ***WON***


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Hi Caro

 

 

Nearly There ;-)

 

 

Kind regards

 

MF

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Thanks MF.;)

 

What's Best for You?

 

 

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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.

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Hi Caro,

 

Sorry to jump onto your thread you pm box is full this is the following

e-mail I tried to send to you.

 

Thanks Leanne x

 

Hi Caro,

 

Thank you so much for your help, support and advice. Sorry I didn't respond straight away to your email. Can you belive my laptop is broke so Im using my mum's pc which i'm not using everyday. Thank you for info. I know its bad timing but I'm going away 26/1/07 for a week i'll be back on the 2/2/07 so hopefully YB would of filed their defence against in within that time. I belive they have until 8/2/07 to file their defence. But if any different will let you know asap.

 

Thanks again Leanne x

 

P.S Your such a good role model to keeping people like me the confidence to keep fighting for the money this bank has taken off us with is rightfully ours!!!!.........GOOD LUCK!!!

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Hi newportorb

 

The 2 days is a new one on me, but the 2 witnesses is as usual. But who are they? Nobody knows because no case has ever got far enough to find out. ;) The stay is also usual, but don't expect YB to rush to settle. It will simply delay matters.

 

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.

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I have in my possession a cheque for £4,489.39, which I shall be accepting. This includes interest to 24 January 2007, which is acceptable. I would have had it yesterday, but there was no-one at home to sign for the letter so I had to go to the Post Office to collect it this morning. The counterclaim is also settled.

 

 

I WON !!!!!!!!!!!!!!!!!!!!!!!

:D:p:lol::D:p:lol:

 

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.

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CONGRATULATIONS!!! :D:D:D

 

Beers on you then...;)

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Guest Battleaxe

Well Done Caro. :D It has been battle and you won through it all. Enjoy the money. Let your other claim follow soon.

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Oh Caro hun, that's fantastic news!!! I know it's been a long, hard, slog for you, but you finally beat em down!

 

You can't believe how thrilled I am for you!!!!!!!!!!!!!!

 

PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Thanks everyone. Those of you who are going to the Wakefield do tonight, have a drink for me, and I will do the same for you all too.

 

And Robert, next time the beer is definitely on me matey.

 

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.

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Oh Caro that's great news, AT LAST!! you must be well chuffed, I'm so pleased for you, all the hard work has paid off and it just goes to show that for all their threats if you stand firm they will fold before court.

 

Regards Moss.

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You really did dig those heels in didn`t you :D So very well done and i`ll definately have a drink to this !

YB Data Protection Act letter sent recorded post 14-7-06

statements recieved 8-08-06

prelim letter sent 9-08-06

LBA letter sent 26-08-06

MCOL filed 18-09-06

AQ Filed 6-11-06

Court date 22-2-07

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FANTASTIC NEWS

CONGRATULATIONS

I am so happy for you right now :)

 

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!!!!

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Thank you all so much for your support. I know I've got a bit of an issue about claiming all the interest, but I knew I'd get it, and I hate to see YB continue to rip people off, even when they claim.

 

You have all spurred me on so much and I am so grateful to all on the YB forum, and also to Dave and BankFodder, who will of course beI w getting a donation when the cheque has cleared. Also the survey will be updated and my thread in the litigation section. It's so important that these things are done so newbies can see how we are doing. Also for legal purposes, for example to show judges how many cases the banks are settling without going to court if applying for a stay to be removed, or maybe for cases like the one at Lincoln where the judge has really made a stand against the banks to prove how many cases they've settled before court, and how many they have followed through to a hearing (none as we know).

 

I didn't mean to get on my soapbox again. I just wanted to thank you for the support, and let you know that YB will shortly be receiving a new SAR as I only asked about my current account in my original SAR. I now want the information on the loans I had with them and paid off early, PPI that I had to have to get the loans, and see if there were any charges on the credit card I had.

 

Don't think I'm going away YB. I've just got started, and you know I won't be intimidated. I also won't let it drag on next time so will be using a few tricks I've picked up along the way while this claim was being done.

 

You ain't seen nothing yet!

  • Haha 1

 

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.

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You wont be forgotten by CB for a while id say, You have stuck to your guns when others would have faltered, been determined throughout for what was going to be acceptable and what was not and you have got what you wanted.

Congrats and big pat on the back.

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Thanks George - much appreciated.

 

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.

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  • 1 month later...

Caro, a bit belated as I just noticed this . . . I followed your thread with interest and am glad you went all the way and won. Congrats and thanks from us all for your help and advise. Very supporting result.

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.

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