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Hi all,

 

After reading all the successful posts have decided to start claiming back some of those excessive charges! I have opened a new Bank Account ready to switch after successful claim.

 

I decided to start with the biggest beneficary, the YB. I have been a customer for over 15 years, hate to think the amount they have made out of me. Had nearly all of my statements for the past six years so put in my first letter claiming in excess of £1000 + £300 interest. Got a response within 24 hours! The worst letter I have ever seen, full of typos, explaining my obligations and responsibilities. They also stated that they were within their rights to apply charges for administrating systems....they were not prepared to refund the charges.

 

Should I write to them threatening court action or just start court proceedings?

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You need to read up the faq's and know the procedure required or you may make a mistake, if you have sent the prelim letter as in the library then you need to send the LBA giving each one of these 14 days so they can reespond, only after that can you go on to starting through the courts.

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Thanks George,

 

I have been through FAQ's, the prelim letter that I sent requested a full response within 14 days. The have responded within 24 hours, saying that they are not prepared to refund the charges. Do I still need to wait a further 13 days before I send the LBA or can I send it now? TIA

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Hi toprod,

I can see no reason why you can`t send your LBA now as they have not given you a satisfactory response(albeit within 14 days) to your PRELIM letter.

 

Yorkshire are well known for dragging their heels so take the fight to them and don`t forget to include a list of charges/dates/amounts but without the calculated 8% interest at this stage that comes later.

 

Good luck

 

Jules

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Received a standard letter from my branch in response to my LBA. We will need to make investigations into your points, contact you as soon as possible blah blah blah....

I just sit and wait until the 14 days have passed before I move to the next step. Guess my branch will have forwarded this onto legal/head office as this point?

 

Thanks

Toprod

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This is where they usually take up to 4 weeks and make an offer as full and final settlement of your claim against the bank, usually less than half of what you are claiming, not passed to legal yet only when you start your court proceedings does it involve them.

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Thanks George,

 

Got a cheque yesterday for half without interest from Neil McKirdy. The LBA was due to hit the two weeks next week. Guess I just return the cheque with a letter saying no thanks and wait for the two weeks before I proceed to MCOL. Can I add any additional charges onto my claim that I have been charged this month? Do I put this in writing to the bank or on the MCOL?

 

Many thanks

 

Toprod

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Hi i would send the refusal letter as you have said and give them an updated schedule of charges.

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Hello All,

 

Been really busy lately, just thought I would post an update on my claim. Submitted the MCOL to which the YB posted a defence.

 

I received a Notice of Transfer of Proceedings letter this week to advise that the claim has been moved to a court near to where I live (Chester). It also makes reference to the AQ and that it should be returned to Chester and not Northampton although the AQ was not included in the letter. There was no mention of dates.

 

Is this normal?

 

Regards

 

Toprod

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AQ will follow, all pretty standard stuff.

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Have I messed up? Really busy time recently, selling house, divorce, changing job......

 

I never completed an AQ but the hearing has been allocated to the small claims court.

 

I have a court date for next week 11 July at Chester, expected to hear something from the YB before now who have filed a defence.

 

I was expecting another letter from the courts but haven't received anything, just read the original letter and it suggested that I should have sent all copies of all paperwork 14 days before, which I haven't done. Have I messed up? Is it too late to send the paperwork?

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You really should have dealt with this before now.

You must contact the court and advise them asking for the case to be put back asap then get your case ready.

Have you had a copy of the defence?

Will get back in touch tomm evening with you.

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Hi Bigmac,

 

Yes I do have a copy of the defence, I have spoken to the courts and they have told me to get the paperwork in ASAP this week.

 

Thought the date was the end of July.

 

Thanks for your help

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Know your really busy now but could you post up the defence so we can have a look at it tonight.

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