jeeeooww vs Yorkshire Bank

[jeeeooww]

hi - i'm new as well. just looking at the forums and trying to see how difficult this is going to be.

 

i am waiting on a call from a local solicitor who i think deals with these cases.

is it advisable to go it alone, or would legal help just make the process less likely to hurt my brain?

 

 

i am with the Yorkshire Bank - the charges they have punished me with are horrific!

 

 

 

ps - sorry for hijacking your thread Mrsshufflebottom6, thought i may as well use this than clutter the rest of the forum

[jeeeooww]

hello everyone - i am about to undergo the procedures to recailm the charges on my accounts.

 

 

 

from what i have read, my first step is to calculate the total i wish to claim back

 

i have 2 accounts with the yorkshire bank (both of which i will be claiming on)

will i have to pay £10 for each of the account statements i request?

 

i assume so - but thought best to ask before sending a cheque for £20 if it only has to be £10

[Michael Browne]

SAR is about you, the subject, not a specific a/c, so 1 DPA request + 1 fee. mention both a/c's

[zebbydog]

You can also put in one claim for both accounts,just make sure you always quote both acc Nos on any letters you write.

[jeeeooww]

excellent

 

good job i asked!

 

 

 

thanks for the speedy reply.

[jeeeooww]

another question i could do with help with:

 

 

i was going to close my accounts down with yorkshire, and switch all my stuff to the RBS. is this advisable when making a claim such as this, or should i wait until its all over?

 

i have an appointment with the RBS tomorrow to chat about transferring, should i cancel and wait a while?

[jeeeooww]

(bump - sorry)

[Michael Browne]

Parachute a/c is always advisable and if you're planning on leaving anyway, now's as good a time as any.

[jeeeooww]

yes, sorry, i can get a new account set up (as you say - a parachute is always a good idea) but should i transfer all my direct debits and get my wages paid into the new one etc..? ie. would this cause any confusion in the future regarding my claim.

 

i want to speak to them about setting up an ISA as well, but can leave the 'switching' until a later date.

[Michael Browne]

but should i transfer all my direct debits and get my wages paid into the new one

It's up to you when you do this, but it won't affect your claim at all.

[jeeeooww]

thanks

 

looks like i have to cancel my appoinmtment with RBS due to work, but at least i am confident that i can contuinue as planned.

[jeeeooww]

right - now we are getting somewhere.

 

received part of my requested statements (only going back until August 2005 so far). is it usual for them to send it in seperate installments?

 

 

anyway, whilst i wait for the rest, should i be highlighting the offending bank charges on the statements? i am not sure how to go about it, any advice for a total novice?

 

 

thanks,

joe.

[jeeeooww]

got the rest of the statements today.

 

bumping this thread for some serious help.

 

 

help!

[moss]

Sit down with your highlighter pen and mark all charges applied to your account due to your breaches, so that's all the charges you didn't agree to, then transfer them onto a spread sheet which you will find in the bank templates library. Then have a good read of the FAQ's here is a link

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Then when you are confident you understand the various steps proceed with your claim, don't rush in and make mistakes, you will only get stressed, and if you do get stuck or are unsure then the folks on here are brilliant and you will get the help you need.

[jeeeooww]

i am still waiting for the older statement for one of my accounts.

 

this morning, i have spent time looking for these answers, but am struggling to find them:

the yourkshire bank charge an initial charge for going overdrawn (between £20 - £25 depending on when it occurred) and then a further charge per day (£6-£8 depending on when it occurred). So, are both of these the charges i should highlight up? or is it just the initial charge?

 

next question is: can someone link to the spreadsheet to apply the charges calculations? i have looked in the libraries section, but to no avail

[moss]

Yes reclaim both the 6/8 and 20/25, if you go overdrawn they charge you £6-8 a day and then put a £20-25 charge on your account next month

 

here's a link to the spread sheets, there in the bank templates library

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html