catmaddy v Yorkshire Bank Plc

[catmaddy]

I have today sent by recorded delivery my subject access request for information from my bank giving them 40 day in which to supply me with the information.

 

Let's wait and see now.

[twoofus]

Hello, welcome and good luck. Take your time to read through all the FAQs and if you need any info there are plenty of people around who will give you all the help and advice you need. There are some fantastic people on here who have been there and done it.

 

40 days and counting

[sajabu2003]

Welcome and good luck

 

Sarah.

[catmaddy]

Hi

 

Thanks for your welcomes and good wishes. I have been reading everything I can find on this site for a week now and after lengthy discussions with my husband (joint account) we decided to go ahead and fight our corner.

 

I am very indecisive in nature and even though I might be doing everything right I tend to need reassurance so I will be looking for help and reassurance from you all.

[rippedoffagain]

Welcome catmaddy.

 

Keep us informed and good luck.

[sococarolyn]

Hi Catmaddy

I have just joined today as well and I have just sent my first letter off as well..... 40 days and counting, let me know how you get on and good luck

 

sococarolyn

[catmaddy]

Will keep you informed of progress.

 

Good luck to you also sococarolyn, looks like we'll be running together.

[caro]

Hi catmaddy and welcome. I'm sure you will have worked out that YB are not the easiest to fight, but if you stand firm and ignore the intimidation you will win. You will certainly get plenty of moral, as well as practical support here, so don't be deterred.

[catmaddy]

Thanks caro.

 

Update: Cheque for £10.00 taken from my bank account yesterday.

[sococarolyn]

Hi Catmaddy, have you heard anything from the YB yet? They cashed my cheques on Monday but I haven't heard a word from them, just wondering about you?

Keep me posted

Carolyn

[nicholag]

Hi catmaddy,i sent for my statements over 40 days ago just today received them but only for one year as they sent a letter telling of some change they made to the system in 2005 and i have to wait a bit longer for the rest so this may or may not happen to you i will let you know when the rest arrive,on checking just the one year it is already up to £800 one month alone i was charged £280 ! good luck..Andy

[catmaddy]

Carolyn - Cashed my cheque yesterday (Thursday) - nothing yet. Will post when anything new.

 

Andy - Thanks for your good wishes. Hope it all goes OK for you. Will keep you posted.

 

Clare

[catmaddy]

Update: Received today, 13.3.07, acknowledgement letter (from Advice Quality Unit, Wade Lane, Leeds) stating they have 40 days in which to provide me with the information and will forward this in due course.

 

Also confirmed receipt of £10.00 fee.

 

State that manual intervention is not covered by DPA and are under no statutory obligation to record or provide this information.

 

The standard reply.

 

It has taken them 14 days to respond to my original request. 26 days and counting.

[catmaddy]

Update: Received 6/4/07 a letter from Yorkshire Bank Advice Quality Unit - Charges Section dated 4/4/07.

 

I refer to our previous correspondence acknowledging receipt of your request for details of charges and/or statements relating to your bank account(s).

 

Within the terms of the Data Protection Act 1998 we have 40 days in which to provide you with the information we hold. The end of this time period has almost been reached, however, due to the high volume of requests we have received in relation to this high profile issue, I regret that we are not yet able to provide you with the information requested.

 

Whilst you are within your rights to refer the matter to the Information Commissioner at the end of the 40 day period, I confirm that we shall provide you with the information as soon as we possibly can.

 

I thank you for your continued patience and understanding in this matter.

 

Yours sincerely

 

T.G. Rayner

 

Advice Quality Unit - Charges Section

 

Their last paragraph infuriated me .

 

Where was the Yorkshire Bank's patience and understanding when I asked them to lay off the bank charges as I could not feed my family and had to rely on hand outs from family members (the mother in law)?

 

I have my complaint ready for the Information Commissioner and just need to get photocopies of the relevant bits.

 

Anything further.

[sococarolyn]

Hi Clare

 

I got the same letter from them and then they all came the day after the 40 days was up. When's your 40 days up? How many days over the 40 are they now?

Just got the lovely task of going through all my statements now, though the ones I have gone through aren't as lucrative as I was hoping lol

 

Carolyn

[catmaddy]

Hi Carolyn

 

Soz, forgot to put in last post - 40 days were up yesterday, 9th April, so I suppose there is still a chance I will get them soon. Good luck with going through your statements. Will keep you posted.

 

Clare

[catmaddy]

Update: Have today, 14th April, receive bank statements from February 2001 to June 2005 with a letter saying they are coming from two different sources and that the others should arrive shortly.

[twosue]

Hi Catmaddy

I am at the same stage as you are. I just got the second letter today about not meeting forty day deadline. Did you send your complaint and a letter to them after the 40 days or did the statements arrive before you did this. I am in two minds really I am on day 36 but when it gets to day 40 I dont really want to leave it as they seem to be a real pain having read through a few threads. On the other hand alot of work if they are likely to turn up a day or two after.

[catmaddy]

Hi twosue

 

I had my form completed for the Information Commissioner but was waiting until I went back to work on Monday 15th (had a week off with the kids) to photocopy the relevant correspondence. It took them 45 days to send copies from 2001 - 2005. I will probably wait until mid week next week, as they say 2005 to present are on their way shortly from a different source.

 

I have just gone through 2001 - 2005 and highlighted all charges and entered these onto a spreadsheet ready for my letter to the Yorkshire requesting my charges back.

 

Good luck with your claim and keep us informed.

 

Clare.

[caro]

How long ago did you open your account catmaddy? If it's more than 6 years you should get the earlier info too. The SAR asks for the history and doesn't limit it to 6 years.

[catmaddy]

How long ago did you open your account catmaddy? If it's more than 6 years you should get the earlier info too. The SAR asks for the history and doesn't limit it to 6 years.

 

Hi Caro

 

Not sure of the exact date when account opened but it was around 1993/94. I have been reading on site about claiming for more than 6 years. It looks like YB are only sending out statements for the last 6 years.

 

It did state in my SAR that we were requesting a complete list of transactions and charges relating to our banking history with YB. YB did respond and say they would comply with my request. I will write to YB stating that they have not yet fully complied with my request as I require statements from when account opened up to 2001.

 

We are probably going to have to split this claim into two as from 2001 to 2005 we are already nearing £4,000, then there is the 8% interest added when we take them to court (which is extremely likely) and we want to got through the small claims. Any info would be greatly appreciated.

 

Clare

[caro]

I would be very cautious about splitting the claim as it has caused problems in Scotland, and I wouldn't be surprised if it might in England and Wales too in future. The risk of going over £5,000 and outside the small claims track is probably less than the risk of splitting the claim in my opinion.

 

If you haven't done so already, read the stickys that have been put at the top of this forum, primarily by BankFodder and you'll see the best way to proceed there, especially in light of the Whistleblower programme.

 

Take a look, and if you have any questions as a result post them and we'll try to help.

[zootscoot]

Hi Clare,

 

Caro is right there is nothing to be scared of in using fast track. A claim for 37K was paid out yesterday (not YB). If anything the banks are more scared of fast track because of the disclosure rules.

 

If you split the claim there is a chance that the second claim will be struck out as an abuse of process.

 

All the best

 

Zoot

[catmaddy]

Hi Zoot

 

Do you have the thread title of this fast track claim - would be interested to read step by step.

 

Thanks.

 

Clare

[zootscoot]

Take a look:

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/81964-nat-west-owe-me.html