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Faz v Yorkshire Bank ***WON***


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06.12.06 sent S.A.R request with cheque for £10, the cheque was cashed straight away but as yet I have recieved nothing. Its another 5 days until their time is up but I was wondering has anyone else had a similar experience with the yorkshire bank?

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  • 1 month later...
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I need abit of advice

 

I am claiming against yorkshire bank and have sent prelim and LBA and the 14 days is now up so I am ready to file online with moneyclaim.

 

In all my correspondance to the bank I enclosed the spreadsheet showing charges excl the interest. When I file online do I just post a copy of the spreadsheet to the court quoting my claim number? and do I need to send another copy to the yorkshire bank?

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You could just send 2 to the court, or do as you suggest and advise the court that you have done this. This can now include interest at 8%, as long as you include it in your claim. Don't forget to add the daily interest to date of 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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Thanks for that caro, my claim is for just over £400 so with the interest added it is over £500 and I will include this column when I send both copies of the spreadsheet.

 

What did you mean my adding daily interest? is it just that the total will change everyday from when I send it until when you pay up?

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If you look at the templates in the bank templates library for particulars of claim, it shows how to do this. You put the amount from your spreadie (including interest from memory) and xxp per day interest until date of settlement. You'll find details of how to work out the daily amount. Again from memory it's CLAIM TOTAL x 0.00022, but check the number of zeros LOL

 

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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I am having trouble filling in the moneyclaim form, I have put the amount I am claiming in charges then the interest at 8% but there is a note on the moneyclaim template to say don't include what is written in blue. So does that mean I don't put the amount of interest?

 

Help Please

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  • 2 weeks later...

I have today recieved an acknowledgment today from the courts saying YB intend to defend....no suprise there.

 

In a seperate letter from yorkshire bank I have recieve a cheque for £202, I am claiming £618 so I will be sending the cheque back to them

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Thanks michael, I will tear it up and use one of the template rejection letters.

 

Now I have an acknowledgment from the courts should I send an updated copy of the spreadsheet (showing intrest upto today) to yorkshire bank at leeds where I sent my previouse correspondence?

When I filed my claim last week I sent 2 copies to the court.

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Don't worry about sending the updated schedule if they have one to the date of the claim. Unless of course you want to remind them that the interest will continue to accrue until the date of 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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I am keen to start claiming back bank charges from YB that are over the six years. There has been some mention of it on this forum but I was wondering what is the best approach to get this info. On my original S.A.R I requested six years worth of statements (which I recieved) and I paid my £10. Will I need to send another £10? do you think the bank will just fob me off by saying they are only required to send me the six years of data?

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I sent my second SAR last Friday with another £10 and have requested charges data back to 1995, this will be round two. I haven't heard any thing as yet and I'm expecting them to ask for proof of identity, but will start a new thread when i get going. I don't think you need the dates as under a SAR request they should send you any data that they hold on you that you ask for. There will be fob off's but we know our rights and they will comply.

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I will give it a go then, did you use an amended version of the template on this site or did you just make up your own letter.

I will send another £10 although we shouldn't have to really.

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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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Recieved a letter today from YB acknowledging reciept of my torn cheque and stating the banks position remains unchanged.

It says any further correspondance will be from the banks legal department.

I guess this is just fairly standard?

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