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Richie v Yorkshire Bank


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Update:

Got my statements a couple of days after they sent me the last letter. However they have not sent all of them yet as after 2005 they are produced from a different system.

Not sure how long this will take.

However the ones I have got I have counted approx £2400, pretty good.

On my statements well some of them I have:

 

 

****************

ADVICE OF CHARGES

****************

CHARGES TO 30AUG

TO DR A/C ON 18SEP

CHARGES £25.00

DR INT £3.61

 

 

CAN I CLAIM FOR BOTH VALUES?

 

CHEERS

 

Richard

 

: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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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

 

Hi Tia yes we are at same stage, i guess we can work together etc as one receives info we can pass it on to the other etc.

 

If you get my drift LOL

 

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 Richard you can claim for what is a penalty, the interest you refer to can not be fully claimed unless fully responsible by the taking of penalty charges, if you have an overdraft then some of that interest will include part of the overdraft, there is a process for calculating this but be advised it is a complicated process and very time consuming, many claimants have ignored this as it usually dosent accumulate to much, hope this makes sense.

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Hi Richard you can claim for what is a penalty, the interest you refer to can not be fully claimed unless fully responsible by the taking of penalty charges, if you have an overdraft then some of that interest will include part of the overdraft, there is a process for calculating this but be advised it is a complicated process and very time consuming, many claimants have ignored this as it usually dosent accumulate to much, hope this makes sense.

 

hey bigmac, thanks for that, i think i will just go for the normal charges. keep away from the overdraft ones as it all seems a little complicated.

 

cheers

 

BTW anyone know when i will receive the second batch of statements that come from a different system?

 

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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  • 2 weeks later...

PLEASE HELP

I have only recived bank staments up to a certain date in 2005 and not untill the presant day.

 

Apparently they come from two different systems - Is this true?

 

Should I send of the non - compliance letter - template 2?

 

Cheers

Rich

 

: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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I have recived all my statements now. However:

 

After the whistleblower find on YB, should I still submit my list of charges the same way? using the spreadsheet etc?

 

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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Just to confirm the charges I can Claim For:

 

UNPAID DD CHARGE

UNAUTH O/D FEE

CHARGES

DEBIT UNDER ADVICE

 

Is this correct?

 

Cheers

Richard

 

If so mt total for six years is:

 

£3,847.00

 

:o

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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Just to confirm the charges I can Claim For:

 

UNPAID DD CHARGE

UNAUTH O/D FEE

CHARGES

DEBIT UNDER ADVICE

 

Is this correct?

 

Cheers

Richard

 

If so mt total for six years is:

 

£3,847.00

 

:o

 

 

Yes you can claim all the above, plus any O/D interest caused by the charges

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Do you have any charges going back more than 6 years?

 

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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Okay great.

 

Do I send the letter with the spreadsheet to:

 

Advice Quality Unit - Charges Section

Third Floor

Brunswick Point

Wade Lane

Leeds LS2 8NQ

 

This has been the address on the top of every letter I have received.

 

Cheers

Richard: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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Do you have any charges going back more than 6 years?

 

 

Hey Caro,

 

No I dont.....well I have had the account for approx 10 years but only have statements for six.

 

This will be enough for me to get a decent claim against them.

 

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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The charges I am claiming for as follows:

 

UNPAID D/D CHARGE

UNPAID S/O CHARGE

UNAUTH O/D FEE

CHARGES

UNPAID CHQ CHG

(ADJUSTMENT ON ADVICE)

 

(ADJUSTMENT ON ADVICE) This is a strange one and what I recall happened was that my mortgage payment from YB TO THE Woolwich disapeared for 4 days (literally!) As I got penalised by both banks but neither could explain who had the money for the 4 days however they both agreed to charge me only half the penalty fee!:o So am now claiming it back :)

 

Hope the above helps you in understanding what to claim.

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Update:

Handed my charges summary £3,847.00 along with my letter to my local YB branch on Friday. They have 14 days in which to reply.

 

When do I count the 14 day from? The actual date I handed the letter in? Which was the 30-03-07.

 

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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  • 2 weeks later...

What do I do now?

 

I have received a response from YB - the usaul rubbish:

 

"bla bla bla bla terms and conditions bla bla bla:

 

Taking all the above into account and having regard to the information that you have given, I am not prepared to refund the charges on your account."

 

 

What do I send next?

 

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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Okay I see "Letter Before Action"

 

Do I have to put the overdraft charges on? Can I leave them of?

 

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 its me again.

 

Do I hand the LBA in at my local branch like I have the last two?

 

Which address should I put on the letter?

 

 

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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Share on other sites

  • 2 weeks later...

Okay I see "Letter Before Action"

 

Do I have to put the overdraft charges on? Can I leave them of?

 

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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Share on other sites

  • 3 weeks later...

Hi Guys,

 

I have received my latest letter from YB, stating that they hope to resolve my complaint as quickly as possible, but they still havent admitted to unfair charges.

 

The heading on theletter says - re opening of complaint.

 

What shouild I do next?

 

The 14 days is up, however this letter was received within the 14 days (only just)

 

 

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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Share on other sites

If that was the reply to your letter before action, then it's time to start the action that you stated in it. Check out the step by step instructions. It's all there for you.

 

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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