chrissy3554 v - Yorkshire Bank

[chrissy3554]

Hi to all on this forum,

Fairly new to this - sent out my first letter to YB on the 03.01.07 asking for bank statements- they cashed my cheque on the 10.01.07, so now waiting for statements. Hope to keep all posted on how I get on and look forward to us all receiving money back which is rightfully ours!

Chrissy

[hoogie32]

Good luck Chrissy.

[Swag Bag]

Hi Chrissy...

 

I have received a reply from my first letter `Data Subject Access Request`....Only took four days to get a reply..

 

It`s just an acknowledgement really ( courtesy letter ), haven`t received statements or anything yet....

 

See my thread, i`ve detailed what it said, yours when received should be the same.....

. ..........Good luck.....Swag Bag..

[chrissy3554]

Hi All,

Received letter back today from YB. It does appear to be a fairly standard one but differs slightly from the one that Swag Bag has received -

Dear Mrs XXXXXX,

 

Re: Data Protection Act 1998 - Data Subject Access Request

 

Thank you for your recent letter in view of your request for details for charges applied to your account. I confirm that the bank shall be able to supply you with copies of your bank statements for the period requested, which will deal with your transactions/charges.

We confirm receipt of your £10 fee.

Within the terms of the Act we have 40 days in which to provide you with the information we hold and we will forward this to you in due course.

If you require any further assistance, please do not hesitate to telephone this office on 0113 231 5670 or write to us at the Advice Quality Unit - Charges Section, Third Floor, Brunswick Point, Wade Lane, Leeds, LS2 8NQ quoting the above reference.

Yours sincerely,

 

Andrew West,

Administration Assistant

Advice Quality Unit - Charges Section

 

...............so here we go!

 

Chrissy

[chrissy3554]

Hi All,

Y Bank's time is up on the 14th Feb and I still haven't received any charges details or statements back as yet from my request for information.. What do I do if they do not respond?

Chrissy

[zebbydog]

You could try ringing them and remind them that time is nearly up. here are a couple of Nos

 

0141 242 4142

0141 242 4138

[Swag Bag]

Hi Chrissy,

 

I tried to post the same question the other day, but my account had been frozen because someone had tried to hack into my account

 

I`m coming up to around the 35th day without receiving my statements, but did get a reply acknowledging my request for them after a few days.

 

I am also wondering what happens if the 40 day limit is passed, does this go in our favour in the latter stages of our claim ?....or if it drops on the mat after 45 days or so, does it not make any differance and we just carry on to the next stage..

 

Just wondering if anyone could clarify this for us....Thanks ......Swag Bag.

[chrissy3554]

Hi Zebbydog,

Thanks for the numbers to ring. Where are these numbers based? Just a bit concerned in case it is Scotland as I know they operate in a different way there. Have now looked at the letter that was sent from Yorkshire Bank confirming receipt of request and cheque for £10. It gives a number to contact (01132315670) for further assistance so I might try that first.

Many thanks,

Chrissy

[chrissy3554]

Hi Swagbag,

I think we are both at the same stage and will probably be in for a long haul. I am off work this week so was hoping to have received the info and would have had the time to work on it as I think it may take quite a few hours to add up all the charges!! Will give the telephone number a call which is on the letter that I received - I reckon you will have that one as well. Keep me posted how you are getting on.

Thanks, Chrissy

[chrissy3554]

Hi Folks,

Received massive amount of statements today from Yorkshire Bank but not yet had time to work on them as yet. Exactly what can I claim back? Is debit interest and/or 'charges' reclaimable?

Chrissy

[yo-jimmy]

Hi there, just to let you know that my husband is still waiting for his statments but they do seem to be cutting it fine as its about 32 days now since I sent off for them . I have put in a claim for my charges, I am a little further down the road -see yo-jimmy thread, I am a bit daunted as I now have to fill in the Allocation Questionnaire. I asked for all my charges back except the debit interest which was just a few pounds in comparison, no problems so far , so hope I got it right.

Regards, yo-jimmy

[chrissy3554]

Hi All,

Just done a quick calculation and the charges I am claiming back total £4557.02!!!!

It looks like I will have a busy night inputting everything into a spreadsheet. It makes me angry to think about the times I have had sleepless nights regarding the state of my bank account but on one month alone I had over £250 taken out in charges - no wonder I always struggled. Anyhow, revenge is sweet but at the end of the day I am only claiming back what is rightfully mine.

Will keep all posted,

Chrissy

[chrissy3554]

Hi Folks,

For other claims I have used the MSE calculator but I do not want to mess up with Yorkshire Bank and need to totally itemise and name charges (I think?). How do you get the spreadsheets to automatically calculate days since charge imposed and the interest? I think I must be 'overtired'!!! but cannot seem to get it to work. Any help would be appreciated.

Regards, Chrissy

[Swag Bag]

Hi Chrissy,

 

I couldn`t get the ones on here to work but had a scout around and found the one below, it does calculate the 8% but doesn`t add the days since. Must go am in a rush....

 

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

Regards Swag Bag.........

[chrissy3554]

Hi Swag Bag,

Thanks for taking the time to reply. The calculator that you mentioned is the one I have already used for other claims but with YB being for a large amount I don't want anything to go wrong and for them to throw my claim out....just a bit daunted really as did not realise how much I had been robbed and do not want them to get away with anything.

Have you sent off your claim as yet? Did you use the other calculator?

Regards, Chrissy

[Swag Bag]

Hi Chrissy,

 

Just waiting for someone to reply to my thread ( make sure i`m going about it correctly ).. I think i am.

 

Have only used the MSE calculator as i can not get any others to open.

 

Shall wait till Friday to post my letter, gives people a couple of days to reply to my post..

 

Regards your claim, when your 8% is added on, that will take you way over the £5000 limit. Don`t know how you will approach that ( but i guess you`ve already thought of that.. )

 

Regards.......Swag Bag..

[chrissy3554]

Hi Folks,

Thanks for advice Swag Bag - the amount I quoted earlier was a quick calculation. When I did it on the spreadsheet it came out at £4474.19 without the interest. The interest has come out at £346.11 giving me a total of £4820.30. Someone may be able to correct me but from what I have read previously you can still go to the small claims court as long as the amount before interest is under £5k.

Still not sure what address to send letter asking for payment to - can anyone help with this - please?

Thanks, Chrissy

[moss]

Chrissy, your interest looks a bit low to me, i am claiming 3.2K and my interest is £740, plus on the amount your claiming just one years interest is £358. i know that interest amounts do vary depending on when the charges were applied over the last 6 years, your calculations might be correct just don't want you to lose out

[Swag Bag]

Yes, i was thinking the same as moss.....it looks as though you`ve added 8% to £4474.19...

 

My interest comes out to roughly the same as yours and i`m only claiming £1350...

 

but of course we don`t add that on untill later in the claim so you have plenty of time to take a look at it...

 

.....Regards Swag Bag.

 

ps... I`m sending mine to :-

 

Charges Section

Third floor

Brunswick House

Wade Lane

Leeds LS2 8NQ

 

This address was on the last correspondence i received from them..

 

( sending by registered post )

[chrissy3554]

Hi Folks,

Thanks Moss and Swag Bag for the advice to check my interest - I don't know what has gone wrong then. I used the simple excel spreadsheet on the site but I did have to keep adding rows and clicking for it to reformulate so it may well have gone wrong there. Thanks for the address Swag Bag but I have already sent letter, not to the exact address you have put, but to Leeds anyway. They should receive it tomorrow did recorded delivery, so will wait and see what reply I receive.

Regards, Chrissy

[moss]

i don't know a lot about computers etc but try this, on your excel sheet go to the bottom of your entries and click on the interest amount, then go to the formula bar at the top of the screen and you should see fx =sum(F9:F256) the number in brackets is the number of rows calculated to give you the interest, if you have more rows than the number in brackets, click on fx and alter to a number to cover all charges

[chrissy3554]

Hi Folks,

Thanks moss - you are a star. I did what you recommended (I didn't have a clue!) and the recalculation has come out with £1,044.39 in interest . Thanks again. I will not worry about this too much at the moment as I have already sent letter but if it goes to court, which I assume it will, then I will amend the amount and inform the court of this.

Regards, Chrissy

[chrissy3554]

Hi Folks,

Received response today from Yorkshire Bank - basically telling me to b****r off!

Started off with a load of blah, blah, blah and finished with .........'I am not prepared to refund the charges on your account'. They also enclosed a complaint handling procedures booklet. The letter was not sent from any one person just from the Advice Quality Unit - Charges Section.

Within the letter they talked about their terms and conditions etc.

Can anyone advise on the next step please?

Thanks, Chrissy

[sajabu2003]

If this was your initial request asking for the charges back then the next step would be for you to send them the Letter Before Action (L.B.A)

 

Sarah.

[Swag Bag]

Wow Chrissy,

 

We are neck and neck at the moment, this morning i also received the same fob off as you , acompanied by a ` complaints precedure letter `

 

I shall hang fire for a couple of days and read up on some more threads before i send LBA letter, which i think must be the thing to do....

 

.........................Swag Bag