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    • No to mediation 1 wit you  Rest is obv     did you send cpr 31.14?   Can we have date of the  claim form and incident location   I notice you've filled out the debt claim form questionnaire ???? Why.....please use the correct one on the home page of this private parking forum.   Dx      
    • Please don't use hosting sites. Read upload and use  pdf dx          
    • Just read the terms and conditions, Interesting read.   My contract is with Parcels 2 go, and not DPD.   15. ADDITIONAL PROTECTION For goods Transported within the United Kingdom and Internationally, if we cause the physical loss of or physical damage to any goods while we are Transporting them, and storage other than storage under Condition 11(c), we will pay you as follows:- a) Where you have paid or agree to pay our charge for Additional Protection and we have agreed to the this: - i) The most we will pay is £5000 per Consignment. We work this out by referring to the actual value of the Consignment as set out in Condition 15(b). ii) Where "Additional Protection" is taken out and a Consignment is partially lost or damaged, we will only pay for the part, which is lost or damaged. Depending on Condition 15(b) nothing in this Condition will limit our liability for damages below £50 for any one Consignment. iii) We will work out the actual value of any goods lost or damaged by referring to their repair, replacement, resale or market cost at the time and place of collection, whichever is less. The value we work out will not be more than the original cost of the item you have actually paid for, plus 10%. b) If you ask for "Additional Protection", you must tell us the nature of goods to be carried. We will decide in our discretion whether "Additional Protection" will apply to any Consignment.   I paid an additional fee of £2.50 ex VAT, for protection to the full value £100. However in the terms above, it states above that the most they will pay is £5000, as i've paid the additional protection yet it doesn't actually detail the service price paid. They will set the price regardless of how much additional protection you pay for, is the way i am reading this.   So, i say the value is £100, and i pay £2.50 ex VAT. The above means i'm covered for £5000 irrespectively of what sum of money was paid. I gave them a value (Not disclosed as Inc or Ex VAT), yet they will decide the value worth. However, how will they know what 'plastic electronics' value is worth!?    
    • 1st Post,   So i needed to send back some goods to a ManF in the UK. Bit time conscience so decided to go with DPD Local as it's a fair price based upon 24hr delivery.   Sent 3 items within the same box, wrapped up in a Cardboard box, decided to use digital label (Retailer sticks a thin self adhesive Barcode on the box!) knowing from previous experience, i decided to print out a letter inside with Address of Sender and Receiver,  plus another sellotaped within a transparent wallet on the outside of the box, with receiver address shown.   All 3 items are actually faulty, so i declared them as 'Plastic Electronics' which they are, PCBs housed in plastic. Due to the fact they were faulty, DPD standard is £50 cover, so i boosted this to £100 only. In reality, 1x Good is worth £400 working, 2x Goods no longer manufactured but can be repaired which was the desired outcome est £1000. Plus insurance is 10% of the items declared sum, meaning £1000 is £100 fee inc the 20% VAT, expensive gamble either way.   DPD tracking stopped, so made a phone call and played dumb that i couldn't find my tracking number (Only given at point of drop off) and gave them my online DPD Reference number, Operator said this is useless. Only then i gave them my tracking number, then they asked me to repeated everything i have declared verbally, to start an investigation.  Operator said they started an investigation and i should call back in 5 days...5 working day? No reference numbers, no nothing...take there word for it!   I can't seem to understand why we fill out paperwork, have to repeat ourselves, I packaged the box perfectly suitably including adding postage addresses in and outside the box. Gave it to DPD to delivery, yet they have no clue of the parcels whereabouts once collected.   Why would they ask me for the contents? Does this mean they have the authority to open any box within there possession? Feels like i've sold DPD my package, and i have to do all the legwork to get a service which is now late/delayed, written and verbal chasing and potentially filling out claim form. Doesn't make sense when we are told what our side of the contact is, wrap, stick, drop off..   What can i do now?    I called Monday 20th Sept, and have to wait 5 days before chasing, again i chose DPD for trust and time..  
    • @BankFodder just a quick update I have been informed by my sister in law her husband was arrested by the police tonight after being circulated as wanted, she rang me threatening on the phone etc this has been logged with the police. Also need to write a letter to the independent assessor by 8th October im really sorry im really struggling with this x
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Richie v Yorkshire Bank


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Firstly may I start by saying what a great site this is. If i am successful in my claim i will defiantly be donating to the worthy cause.

 

Story so far.........

 

1. Called my local YB branch :

 

They instructed me to bring down my Data Protection Act 1998 Subject Access Request and payment and stated they will arrange for all transaction details to be sent to me. I requested at least 6 years worth.

 

2. I have just been on line and extracted my transactions as far as I possibly could (07-07-06). So far there are a total of £262.00 in charges made up of the following:

 

CHARGE DEBIT - £25.00

 

 

 

DEBIT UNAUTH O/D FEE - £8.00

 

 

 

 

 

 

Am I right in thinking these are okay to claim back? As far as I am aware these are the only types of charges that YB have ever charged me.

 

If the £262 is any thing to go by I should be in for a fair old claim

 

Any help or suggestions greatly appreciated.

 

Will keep this thread updated as and when the information / correspondences arrive from YB.

 

 

Cheers

Happy New Year

 

Rich J

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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Hi rich, welcome and good luck with your claim. YB seem to take the full 40 days to send bank statements, i got fed up of waiting and went into my branch and the girl behind the counter said she had seen them in the office out tray so she fetched them for me, obviously they were there waiting for the deadline before sending them.

I don't know what charge debit is, on my statements iv' e had Unauth O/D Fee £8.00 as you have but not charge debit just, Charges, and debit interest. Iv' e claimed back all Charges and Fees but i didn't claim the interest as you have to work out what portion is down to your overdrawing, i think there is a spread sheet in the templates section to do this, but i will be happy to get my charges back so i just used the basic Excel sheet.

It all seems quite daunting when first starting so keep reading the FAQ's and the forum and you'll be ok.

So good luck again. Moss

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Moss many thanks will do

 

Im going to my bank on monday to see what is happening.

 

Best Wishes

 

:p

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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iv' e had Unauth O/D Fee £8.00 as you have but not charge debit just, Charges, and debit interest.

 

 

The £25.00 Charge Debit is what YB charge per month if you go over drawn.

 

i.e If I went overdrawn once, I got charged the £8 plus £25 at the end of the month.

 

This is absolutly crazy. I have asked for an over draft to cover a small over drawn amount of say £100, baring in mind that my salary is 25K+ and there answer was NO!

 

Cheers

Rich

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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08-01-07

 

Handed my Data Protection Act letter in person at my local YB branch.

I also receive a receipt for it to.

So now its time to sit tight and wait for there response which should hopefully be a pile of transaction including a massive amount of charges.

 

 

Fingers Crossed

 

:cool:

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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you will probably be very suprised exactly how much they have taken from you over the 6 years ..personally i was gobsmacked to discover that over 6 years yorkshire bank had fleeced me for just over £600..there are people on here who have been deprived of even more..good luck with the claim

 

i just recently sent my LBA (letter before action) to them

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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you will probably be very suprised exactly how much they have taken from you over the 6 years ..personally i was gobsmacked to discover that over 6 years yorkshire bank had fleeced me for just over £600..there are people on here who have been deprived of even more..good luck with the claim

 

I just recently sent my LBA (letter before action) to them

 

many thanks, will keep you posted.

 

Im also in the process of drafting S.A.R - (Subject Access Request) letters to my credit card companies:

  1. Capital one
  2. Morgan stanley
  3. Yorkshire bank
  4. Halifax
  5. Barclaycard
  6. Royal Bank of Scotland

Will be posting a whole lot more onto this site, its all very exciting !!

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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UPDATE:

Handed my SAR in at my local branch on Monday along with the 10 pounds.

 

Received a call today from YB Head Office, 12-01-07 stating they are dealing with my request

 

HOWEVER:

 

They have to send the letter back to my local branch so they can verify my signature. Then my local branch has to send the letter back to Head Office, which will take 3-4 working days.

 

 

Is this the norm ???

 

Or are they just wasting time etc?

 

Cheers

Rich

 

:D

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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They are required to verify your identity under the Data Protection Act before sending your personal data. But this does not stop the clock in terms of the 40 days.

 

All the best

 

Zoot

 

 

cheers Zoot

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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Hi guys,

Following on from the above and the phone call I received saying they needed to confirm it was my signature on the letter SAR.

I still have not heard any thing, but more importantly my local bank has not received a request to confirm my signature.

I asked my bank for contact details for the relevant department who will be dealing with this request, where ever they may be in the UK.

They told me they didn’t know. !!!

Does anyone have a telephone number for the offices where I may be able to speak to someone about the where bout’s of the letter etc and also to ask why haven’t they sent the letter back for confirmation of my signature.

Does this make sense?

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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Hi guys,

 

Following on from http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/56512-richie-yorkshire-bank.html

I still have not heard any thing, but more importantly my local bank has not received a request to confirm my signature.

 

I asked my bank for contact details for the relevant department who will be dealing with this request, where ever they may be in the UK.

 

They told me they didn’t know. !!!

 

Does anyone have a telephone number for the offices where I may be able to speak to someone about the where bout’s of the letter etc and also to ask why haven’t they sent the letter back for confirmation of my signature.

 

 

Does this make sense?

Cheers

:(

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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UPDATE:

Well the bank has now received the letter back and they are processing it, as i write this note.

 

Im a little less worried now as i have heard stories of letters going missing etc in the post.

 

I also have a direct contact at my local banch who is dealing with my request / claim.

 

which gives that little extra confidence to.

 

 

Will keep you guys up dated.

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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  • 2 weeks later...

UPDATE:

 

25-01-07

 

Received a letter from:

Advice Quality Unit - Charges Section

 

The letter states that they confirm they have the £10 fee.

 

They will be providing me with copies of my statements as per my request

 

There is no manual intervention on my account

 

 

Does this sound the normal?

Cheers

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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The manual intervention bit seems to be what everyone gets told so don't worry about it. It shouldn't be long now and you'll be needing to get that highlighter pen out to mark all those charges off :p

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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  • 4 weeks later...

Update:

YB have until the 4th of March to have the statements on my door step otherwise the 40 days are up.

Is there a letter I can write as a gentle reminder to get them to send out the statements?

Cheers

Richard

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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nope, not really, give them the full time, they will send them. Maybe last minute, but they will send them.

Yorkshire Bank Plc £3553.77 Prelim letter sent 14/9/06 LBA sent 22/9/06, MCOL Sent 10/10/06 MCOL Notice of Issue Rcvd 12/10/06, MCOL Acknowledged 17/10/06, £929.00 Offer Rcvd, 03/11/06 - Rejected, 09/11/06 YB Defended, 10/11/06 Transferred to Local Court, AQ Returned;) 30/11/06 Copy of Banks AQ Received, 1 month extra asked for by Clydesdale, 09/01/07 £2140.00 Offer Rcvd, 09/01/07 - Rejected, 11/11/07 Allocation To Small Claims Track, Court Date Set - 05/03/07, 15/01/07 £2590.00 Offer Rcvd, 15/11/07 - Rejected, 07/02/07 £3773.77 Offer Rcvd (FULL), 12/02/07 - Accepted, 21/02/07 - Chq Received for FULL AMOUNT. :)

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Update:

 

YB have sent me a letter stating that I will not receive my statements in the 40 day period as they have received a high volume of requests in relation to this high profile issue.

 

They have stated that I am okay to relay this message to the Information Commisioner. (well thanks very much)

 

What are your suggestions guys?

 

Cheers

Richard

:rolleyes:

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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YB have sent me a letter stating that I will not receive my statements in the 40 day period as they have received a high volume of requests in relation to this high profile issue.

 

They have stated that I am okay to relay this message to the Information Commisioner. (well thanks very much)

 

What are your suggestions guys?

 

It has now been 43 days

 

Cheers

Richard

Claiming Against:

BANK ACCOUNT

  1. Yorkshire Bank - S.A.R - (Subject Access Request) Sent

CREDIT CARDS

  1. Yorkshire Bank
  2. Royal Bank of Scotland
  3. Halifax
  4. Barclaycard
  5. Morgan & Stanley
  6. Capital One - SAR Sent

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Hi Richie. I've merged your threads as it's easier to follow your progress that way. A few people are having the same problem as you, so you may find it worthwhile spending some time reading other threads in this forum too.

 

Wobbles thread is one that springs to mind with some very sound advice.

 

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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hiya, think we are at the same stage, just to let you know that 2 days after receiving the letter asking for more time to send out my statements, I got them!

 

Its just over £550 Im claiming, and just going to get my butt in gear and write the letter up.

 

Good luck!!

 

tia

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