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Richie v Yorkshire Bank


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Yes it's fine.

 

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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Well Guys,

Today was the day.

 

I have submitted my claim to my local courts.

 

Total Claim now stands at: £4847.77.

 

Fingers crossed.

 

Can anyone please tell me the type of time scale I can now expect for corrospodance from YB?

 

What will happen next?

 

When will I fill an allocation questionair in?

 

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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From here you can expect to wait around 33 days for YB to submit their defence.

 

The court allows 5 days for your claim to be deemed served, then the defendant is given 14 days to acknowledge the claim. Once acknowledged they will then receive a further 14 days to submit their defence ( this is usually done right at the last minute).

 

The allocation Questionaire (if you get one) will be sent to you after this period is over.

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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From here you can expect to wait around 33 days for YB to submit their defence.

 

The court allows 5 days for your claim to be deemed served, then the defendant is given 14 days to acknowledge the claim. Once acknowledged they will then receive a further 14 days to submit their defence ( this is usually done right at the last minute).

 

The allocation Questionaire (if you get one) will be sent to you after this period is over.

 

 

I see so a new waiting game now LOL

 

I am exctited rather than aprehensive. Its going to be great to see how YB react.

 

Fingers Crossed

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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Yes it does get rather exciting the closer you get to the finish line!!:)

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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UP Date:

 

Hi guys received a copy of the claim from the courts along with a letter / statement.

 

Explaining how long the process should take, i.e how long YB have to repsond how long they have to submit a defence etc.

 

What I should do if there is no response from YB i.e Submittng a judgement against them.

 

Does this type of thing sound the norm?

 

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 Guys further to my other post here is a copy of the paperwork I got additional to my claim form:

 

 

 

Do I need to do anything with it?

 

Or is it for later? If they dont turn up or respond etc?

 

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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Hi Guys,

 

Is there anything else I need to do?

 

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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Guy the 2nd of July has passed and I have not heard anything from the Courts as to whether or not YB have acknowledged the claim etc.

 

What Should I do?

 

I have spoke to the court and they have stated there is a back log of cases etc and I should still submit the judgement and when the get to the acknolwegment they will date stamp it etc and the judgement wont be filled.

 

that is as long as YB have acknowleged the claim issue etc.

 

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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Do as the court say. That seems fine. I suspect that YB will acknowledge, and defend, or if not apply for judgment to be set aside, but it's worth submitting the judgment anyway.

 

I think that you should remove your personal details from the document that you've posted above.

 

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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Do as the court say. That seems fine. I suspect that YB will acknowledge, and defend, or if not apply for judgment to be set aside, but it's worth submitting the judgment anyway.

 

I think that you should remove your personal details from the document that you've posted above.

 

Caro,

Many Thanks

 

Removed form

 

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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Hi Guys,

Received a letter from YB, stating they still stick to their guns over the charges and that they are now aware I have submitted a claim against them.

They have stated that all further correspondence will be made via their legal department.

Is this the norm?

What do I do now?

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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What sort of time scale can i expect now relating my claim?

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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Guy,

 

I have just recieved a defence from YB.

 

It all seems a little complex.

 

The basics of it state they are in the right for charging what they have.

 

Is there anything in particular I should be loooking for within the defence statement?

 

Cheers

Richard

 

:confused:

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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* Should I post the defence on here? *

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 could if you like, but I suspect it's the standard defence that they are in the right, you agreed a contract with them, agreed to the T&C's, and they've provided a service.

 

Wait to hear from the court to see if you need to submit an AQ or if it will be dispensed with, and read up on the next stages.

 

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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Roger that,

 

I have just spoke with the court and they anticipate a court date of October at the earliest.

 

Apparently there is a back log of cases.

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:

Hi guys received an allocation questionaire to fill in, and also it states I have to pay another lump of money £100 to continue with the proceedings.

 

Is this correct?

 

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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It is Richie I'm afraid, but you will get it back when you get settlement.

 

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, not sure what I should put in here im a little confused by the Notes for guidance from the site.

 

What do I write in this box?

 

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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Draft order of Directions

 

What is this for, im a little worried as it states that I have to provide a load of documents to the court within 14 days?

 

Can someone explain?

 

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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This is the info you need for completing the AQ.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html#post90317

 

The draft order for directions is a document that you are sending with the AQ. It is for the judge to look at and consider if he wants to use them or not. If he does, you and YB will both get an order from the court telling you what to do. The judge may use all of the draft directions, just some, or none.

 

If you get the order from the judge, THEN you will need to send the documents he asks for. It is basically the court bundle and info about your case which you would need 14 days before court anyway. The idea is to just speed things up a bit so you get your money quicker.

 

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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Caro, cheers

 

Do you think that the way things are gonig payouts will continue?

 

Im not clear on all the OFT buisness etc?

 

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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