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    • so i went to sri lanka on 9th march (booked in feb) for the cricket and booked with spectrum insurance. our flights were cancelled back with emeirates so we had to rebook with sri lanka  air lines a a cost and then had to stay in the hotel for another 14 days plus other expenses . any ideas how to approach this
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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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funboy

Funboy v Yorkshire Bank Plc ***WON***

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Initial claim submitted ....i am claiming £553 of charges and these are purely unauthorised over draft fees

 

does anybody know if yorkshire bank close the account once charges are settled ? i have read that certain banks have a tendency to do that


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Not usually no, I have not heard of them ever doing this. But to be safe its advisable to have a back up account.


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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hi ozzy many thanks for the speedy reply . I already have a back up account set up ...just wondered if i ought to get in first and transfer my wages and direct debits over before the axe falls but i wont bother now thanks for the advice


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Recieved my first reply today..charges are fair blah blah blah....incurred due to my actions , i'm responsible etc etc etc..about as convincing as elton john's wig .

 

will be posting my LBA (letter before action) tomorrow

 

oddly my first refusal was from my local branch...for some reason i expected it to come from the yorkshire banks leeds office ..although admittedly i did adress my letter to my local branch i expected them to pass it on ..has anybody else found this ?


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Funboy,

 

I put my prelim in earlier this week to my local branch got a response within 24 hours, which really surprised me although the response didn't! Putting my LBA in this weekend.

 

Good luck, by the looks of some of the previous threads be prepared for the long haul!

 

Toprod

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yeah my reply was about 24 hours too...obviously desperate to quash such fanciful ideas quickly eh ?....well my LBA will be equally as quick in crossing the bank managers mock pine desk


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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A few days ago i got a letter from my local branch saying that since i wasnt happy the manager had passed on my complaint to head office...typical buck passing......Anyway yesterday i got a letter from some guy called neil mckirdy "customer relations manager"

 

dear mr *funboy*

 

I refer to your recent letter and as requested i have reopened the complaint and a further review is being undertaken

 

My understanding of the further issues you have raised are as follows:

 

*initial complaint not fully investigated

*no refund of charges levied to the account

 

I hope to respond to your complaint shortly . I will write to you as soon as possible , once i have had the opportunity to review the above .

 

please be assured that every effort is being made to bring your complaint to a satisfactory conclusion

 

yours sincerely

neil mckirdy

customer relations manager

 

Has anyboy gotten this response before ? i havent seen it mentioned in any of the other cases ......or could this be just another delaying tactic ?.....my LBA expires in two days so now i'm not sure weather to go to the MCOL stage or to await a response from them . What worries me is that they may just not bother to reply at all


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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I think the Financial Services Authority obliges them to keep you updated on how your complaint is being dealt with, quite a few of us have had similar, you will probably get others or indeed a partial offer from customer services, I've just had one from Clydesdale Bank Exchange because it's 8 weeks since i complained. Carry on with your time schedule, take the fight to them.

 

Regards Moss

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so you suggest i go to MCOL when the deadline expires ? should i send it to my local branch ? i dont want my claim to fall under scottish law after all


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Yes name the branch where you have your account as the defendant and have the papers served there, after that you can deal with Glasgow

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ok that works for me :lol: 23rd of january it is then...i'll keep this thread updated as and when events occur..thanks moss


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Hi Funboy,

Good to see another local taking on the YB

 

Jules

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ahhh yes....this is a local case for local people :)

 

glad to see i'm not the first in the 5 towns area to take on yb :p


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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recieved a reply from the ever busy mr mckirdy . threatening to counter claim should i be successful blah blah..and enclosing a cheque for 276.50 tendered without admisson of liability and without prejudice . since my original claim was for £554..now bumped up to £595 due to more charges being added i have no intention of accepting this offer .

 

Should i accept this cheque as partial payment and then issue a MCOL for the remainder ? or simply return the cheque with a letter rejecting the offer ? and then issue a MCOL for the full amount ....my LBA deadline expires on the 24th so any advice would be very welcome


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Hi Funboy

Return the cheque with http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

and then issue your claim.

 

Have you not thought about using the county court at Pontefract or Wakefield as it can be easier than using MCOL .

 

Also what you doing next Friday evening? We have a CAG meet in Wakefield check the thread http://www.consumeractiongroup.co.uk/forum/bear-garden/50525-yorkshire-cag-meet-26th.html

 

Let us know

Jules

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ok so now you have exposed a gap in my knowledge ..i thought MCOL was the first step before using a county court ? :confused: i know the small claims court is in pontefract but how on earth do i go straight through the small claims court ? i have no idea what the procedure is..but i shall return the cheque monday..recorded delivery of course :-)


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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MCOL is the County Court.All online claims (MCOL) are processed through Northampton County Court and then allocated to you local court.


;) If this helps please click the scales bottom left

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Hi Again,

Sorry to but in on you zebby but it is better to go directly to the local court in my opinion, in Funboys case this would be Pontefract.

 

You can use this form from the templates

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Just replace your details and amend the wording in [red] to suit your own case.

 

It is far less complicated doing it this way and is easier to hand in documents etc. direct to the court.

 

This is my recommendation but at the end of the day everyone has their own preference and it is your choice.

 

Jules

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Well i sent me rejection letter today..thanks for the template link jules..i'll take your advice


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Good on you funboy

 

By the way any thoughts for friday in Wakefield , I assume you and michelle are still coming zebby?

 

Jules

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boy i wish i could make it . But sadly i drew the graveyard shift friday night so i'll be working :(


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Good on you funboy

 

By the way any thoughts for friday in Wakefield , I assume you and michelle are still coming zebby?

 

Jules

 

Yep we will there Jules.Should be in pub for 7-30pm.


;) If this helps please click the scales bottom left

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submitted MCOL this evening due to time constraints on getting to my local court....seconds out..round two:lol:


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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recieved my notice of issue today so now yorkshire bank have until the 17 of february to repspond..but i guess i will have to wait right up until the deadline before they defend if the other case files are anything to go by ....i'll keep thei thread updated as and when events occur


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Recieved a letter from clydesdale bank today offering to settle in full..interest plus costs :lol:

 

they have enclosed a consent letter for me to sign and have asked for the notice of discontinuance ..can i cancel my claim online ? or do i need to do it by phone or letter ?

 

Should i also refuse to sign and return the letter until i recieve payment or should i return the letter signed but not forward the notice of disontinuance ?

 

any help gratefully recieved


and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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