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    • Hi @Andyorch   I am just finalising everything, do I need to put all my witness statements together as a pack now or just submit my third witness statement and the following:   - Cover letter with a list of Exhibits (only for third witness statement) - Cover letter for my absence   TIA
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    • Hi   Thank you.   I am thinking of sending the below as a way of trying to just get it resolved before I do the small claims at the start of Feb.  My partner believes a less formal, less threating approach might work, eg I not just challenging his ego.  (I will do the costing that you requested over the weekend).   FORD KUGA  – RESPONSE TO YOUR LETTER RECEIVED 18/02/22   Thank you for your letter received on the 18th January 2022. This letter is the first time you have offered to refund the car (£3500) and I thank you for this, along with your admission that the car was reported faulty to you within days of its delivery. However, if you actually review our conversations on whatsapp and text you will see that a lot of the other points you have made in the letter are clearly not true when compared to our actual communication, which is why I am confident in making these complaints because I have evidence of how the conversation actually went.   However, the aim of this letter is to find a resolution and avoid taking you to court, so I would appreciate if you would consider that on top of the refund of the car, which you have agreed to, I deserve to at least be reimbursed for the work I have had done that I have messages that prove you agreed to.   The car needed a new head gasket, and now it has one, there would be no reason for me to have done this unless it was absolutely necessary. I'm not going to be making any profit here, I will still be losing money. You will be getting back a car in far better condition than you sold it in, so worth more to you in material value, with all the genuine invoices from a respected garage including lots other improvements that I'm not expecting you to pay for.   So you end up with a better car than you sold originally and none of the hassle, which is fair as I can possibly be; I hope that you can see that all I am trying to do here is recover the bare minimum of my costs in this scenario and put this six months of problems behind me, this in no way represents the actual time, effort and cash I have put into trying to solve this.   I am sure on reflection you will agree it is not fair for you to expect one of your customers to pay a repair bill for a fault on a car that was sold as having “No Issues” and then for you to only offer to refund of the original sale price, while then benefitting from the resulting repair.   In a compromise to find a speedy solution I am willing to discount the 'Refund Of The Delivery - £230' though this discount does not represent any admission that you are not fully liable for these costs if this does go to court.   I am willing to accept, without any further negotiation the below:   By the 1st February 2022 (A goodwill extension on the Letter Before Court date):   Refunded the Car & MOT - £3500 Reimbursement of Head-gasket repair - £1121.40 Total – £4621.40   Should £4621.40 not be paid and the car collected by the 1st February 2022 I will revert back to my claim of £4851.40 plus additional costs, not limited to but including interest, any due compensation and court fees.   Unfortunately due to your telephone conversation on the 13/1/22 I will not allow yourself (Mohammed Waqar) to attend either properties connected to me (BA14 0TA and SA14 7BU). This is easily resolved; I will allow your car delivery company to collect the vehicle from Mieri Eco Farm, Drefach, SA14 7BU and they may also inspect the vehicle. The car will not be released to anyone until £4621.40 is cleared into my bank account below.   I now required you to give me 72hrs notice via text message before the vehicle is collected.   If this does not happen before 1st February 2022 then I shall begin proceedings in the County Court for the recovery of the full sums of £4851.40 plus costs without further notice to you.  
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Mccall v Yorkshire Bank ***WON***


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Hi Leanne.

 

You're in the right place.

Post any questions and progress reports here. then you will be able to draw on the experience of others who are also dealing with the Yorkshire.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Leanne and welcome to the YB forum. How are you getting on with your claim? There's a lot of information to take in when you start, but there's no pressure to rush your claim. The main thing is to keep reading, learn all you can, and make sure you are confident your claim is right so that YB don't have any excuses for wriggling out of paying your claim.

 

The spreadsheets calculate interest for you so all you have to do is put in the details of the charges off your statements and the spreadsheet does the work for you.

 

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.

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Hi Caro,

 

Thank you for your comments. I agree it is a lot of info to get your head round. At the moment I'm taking each step at a time. Still feeling v positive about claiming the money back that YB took off me over the last 6 years. After a long deliberation with whether I

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sorry caro must of pressed the reply button. oops!!!!!. as i was saying i've not decided to persue the interest on my schedule of charges as i dont think i'd be confident enough to stand up in court (god forbid it reached that stage) to explain what/which interest i'm trying to claim back. I'd be happy with the approximate £2,000 the bank has charged me on returned DD/SO/CHEQUES and the UNAUTH OVERDRAFT DAILY FEE.

 

Leanne

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Fair enough on the OD interest. There is statutory section 69 interest of 8% that you are entitled to claim and is awarded at the courts discretion when you come to do the court claim. The court let you have this because you have been deprived of the use of your money. You would not need to explain that at all.

 

You have a while before your court claim will need doing though, so just keep reading and it will make sense if you keep at it.

 

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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It's all in the FAQ's and step by step instructions, but ask if you get stuck as we're all in it together.

 

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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Hi there,

 

Need some help please. Just started my schedule of charges spreadsheet, not sure if I could claim back the ''debit under advice'' I've got a few of these that has been debited out of my account of £33.00 each one which is the same charge that YB charge for ''unpaid DD/SO/ RETURNED CHEQUE''. I'm sure I've read someone on CAG that I cannot claim, please can someoone clarify.

 

Thanks Leanne :confused:

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I've claimed them, and I have also got a schedule off YB of my charges, and they included them. I only got this off them as they claim my schedule is wrong in their defence of my claim so I asked for their version. It took them about 3 months. I don't think they are a problem.

 

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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Hi Guys,

 

Just an update, been into my branch this morning to hand my schedule of charges & premlinery letter. How ARSY can these ''jobs worth bank clerks be''!!!!!!!. I politely asked for a receipt (stating how many pages had been received & the letter I sent in). It took the girl 15 minutes to write a receipt in the back office. Making me wait at the counter (how pathectic). She came back with YB comp slip with just her initials on not what I'd requested. I then asked politely again to write on comp slip what I wanted on there it took her her another 10 minutes in the back office to do this until I heard one of her colleagues say "were not obliged to do that". Bye the bye she came back and very rudely said"this is the best I can do"" (comp slip states her intial, states 7 pages received & date received). I personally think the world and its wife was reading it. I was glad it just proves that people like us are dealing with this bank professionally, unfortunately I cant say the same for the staff!!!!!.

 

Leanne x

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By their very nature the staff at YB & BC tend to be stroppy, unhelpful & at times outright rude.

 

Get your own back by taking back YOUR money that they've been keeping for you.

 

I've made no secret of my hatred towards this shower of scumbags and for good reason.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Sorry Leanne. I'm afraid I have to do a major hijack now as my pm box is full and so I can't send any PM's at the moment.

 

JMio!!!! Where have you been? How are you? Did you ever get the rest of your money? How the devil are you? My goodness I've missed you. Please update your thread so I can stop embarrassing myself with this dreadful hijack.

 

Are you sticking around for a while or is this a flying visit?

 

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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Hi Guys,

 

Just an update for you. Since sending my Schedule of charges letter in to the branch on 13/12/06. I've received a letter from the branch manager dates 14/12/06 @YB general letter stating breach of my contract with regards to my account being overdrawn and the bank has a right to put charges on my account blah blah blah. Last paragraph states and I quote '' Please note that should you proceed straight to court action against the Bank in request of this matter, the Bank reserves the right to lodge a counterclaim against you for damages suffered as a result of the breach by you of your contract with the Bank''.

 

Scare tactic I know. Just about to send my LBA. Wish me luck!.

 

Leanne x

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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.

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Hi again

 

Have I dropped a clanger?. Rushing to get my LBA done before YB shut this afternoon. Just gone back into the template and in my letter that I have now sent to YB I've put the paragraph which is typed in blue on the template on my letter. OOPS. Will this affect my claim, who do I need to complain to (not sure what the initials OFT and would I need to do write a letter of complaint to them straight away or wait until if/when it goes to court. I am panicking for no reason or should I been panicking?. Help!!!!

 

 

Leanne x :?:

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  • 2 weeks later...

Merry Christmas Guys,

 

Received a letter dated the 21 st of December, from Neil McKirdy stating he his reviewing my complaint re charges levied on my account. Need some advice PLEASE!!!. It states he will respond to my complaint in 4 weeks tried tel no on letter 0141 242 4137 but constantly engaged!.

 

Shall I start court proceedings or wait till he responds not sure what to do?. If I do start court proceedings do I need to send this Neil a letter confirming my intentions, please help?.

 

Leanne x

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Just another standard delaying tactic.You wont hear anything from Mr Mckirdy.It seems to be a standard letter they send out to delay things by another month.You can go to court action now provided you have followed all the steps in the instructions.You dont have to wait the 4 weeks.Stick to your own timetable

;) If this helps please click the scales bottom left
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Hi Guys,

 

Happy New Year!!!.

 

Need some help please. Ready to take YB to court, a bit confused though?. Just finished my sschedule of charges with my 8% interest on it. Do I just send that spreadsheet off and send the N1 claim form off. or do I have to include the spreadsheet that I sent to my bank.

 

Thanks Leanne x

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