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have done i 'll start doing the mcol if i need help i'll let you know, probably will what will happen know when i file my claim how long have the bank got and what normally happens

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hi again took your advice and nearly finished but something has bothered me my toatlcalim including the 8% interest is £4841.94,with the costs of £120 total claim would be £4961.94 if i add interest which i work out to be 86p per day please correct me if i am wrong!!!(not sure i have calculated corect as i am not claiming any overdraft interest) if the bank doesnt settle within about 40 days then my claim may go above the 5 grand threshold for the small claims what would i do then

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  • 3 weeks later...

just received a letter from yb solicitors saying that they are not willing to refund charges and offer £200 in full and final settlement attached an acceptance form

what do i do with this obviously im not accepting just them to court today as not had the money before now

should i just not reply yo this letter and continue with court

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  • 3 weeks later...

Usually they have 28 days from acknowledgement of service to subit a defence. I have just had that happen - they waited until 3 days before end of 28 day limit. I have been told that I just wait to hear from court and I will be send an Allocation Questionnaire which I will have to fill in and return so that a hearing date can be set. Not looking forward to it - despite re-assurances that YB are notoriously bad in settling until they are pushed into a corner.

 

Have a read through some of the success stories - they will cheer you up and give you some good ideas for how to prepare. They will also help you realise you are not alone in dealing with these barstewards. If it hadn't been for this site and the fact YB owe me almost £7000 I think I would have given up.

 

Keep going - it will be worth it and think of all that money in your account and the fact that you have stuck two fingers up at YB

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Yeah - I was almost tempted to give up when I had to decide whether or not to go to court but they owe me too much. What decided it for me was the strange transactions that I noticed on my statements whilst trawling through for the charges - like a £32,000 loan that I have never had.

 

Keep me posted - from all the stories I have read YB are the worst for leaving things til 11th hour - including making full payments less than 30 minutes before court hearing.

 

Just concentrate on the fact that if they have to go to court they will have to reveal the true cost of their service and they are trying to avoid this at all costs because it is nothing like the penalties they inflict on us for being overdrawn.

 

Keep going and keep posting.

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  • 2 weeks later...

still not heard anything just a letter from yb stating that from now on thier solicitors will be sending all correspondence

just so i have it reight they have 28 days from day of service which is 5 days from date of issue 30th may

the date of service is 5th june so that would make it the 3rd of july they have till

when this is do i do nothing and just wait to hear form the court

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  • 1 month later...

hi not been on for a while jost got married 2 weeks ago been very busy

nothing seems to be happening with my claim the last i have heard is about 2-3 weeks ago the bank sent a defence to the court saying they were defending all the claim and a copy of there defence

a week later i got the same thing from the court with a letter saying that there were 2 options but but ii thought the next step would be the AQ but i have not heard anything

no having seen the news and read the paper about this test are all claims going to be put on hold until this has been done

anybodys help please getting quite stressed out with this it will be just my luck that they'll decide no one can have any more charges back

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Congratulations cabsi - did it myself two months ago after living with toyboy for 19 years - he's not much of a toyboy now but he'll do.

 

Take heart - I am in court on 12th September - AQ dispensed with and have only been allocated only 15 minutes for hearing. Was worried about this but Caro says it may be because courts are now getting wise to YB's stalling tactics and not having it anymore so are cutting down opportunities for them to stall any longer and only giving short hearing times as they are not turning up to defend themselves in court so court won't waste hearing time on them any more.

 

Hopefully this is correct. Haven't heard how test case went today so result of that may give us better idea of how cases will go in future.

 

Keep going - we will win - they owe us and have done for a long time.

 

Jenni

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cheers just been reading on abbey website and it say it could take upto a yearand also that banks maybe able to put claims on hold until resolved

do you mean that they no longer bother with the AQ

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Seems to be growing trend to do away with AQ's - seems to be a way of saving courts time.

 

reading threads on this site - would appear to be a current trend as there are now links to site saying what to do if AQ is dispensed with and how to proceed.

 

Not sure what will happen with test case - apparently could take a year before there is any decision and it only seems to be about whether or not banks should disclose their real charges.

 

Am hoping that banks will not be able to get a stay of judgement until test case decision.

 

Could do with my £7000+ back now.:(

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do you think i shouldcontact the court as i have heard absolutley nothing from them. one of my mates who is claiming has also heard that with this test case goingon somepeople are contacting their banks direct and some are settling or making decent offers. wether this is true or not i dont know. on one of the other threads i ve been following from lloyds they had a court date and called lloyds direct and they settled in full over the phone intrest costs and extra

maybe worth a try

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yeah so ive heard trust me to have one of the most difficult banks.

dont know how they can even begin to think that they can justify their charges £35 for returning something then £8 a day and the a further £25 each month how could anyone believ it costs this much to return a cheque or dd. i might try and contact them but like you say probably get ignored anyway

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