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pjdudley69 v Yorkshire Bank **SETTLED**


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More than you expected isn't it :-)

 

Yep, definately. Only expected about £300 tops!

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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  • 2 weeks later...
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Received the following letter on Friday:

 

Thank you for your letter of 21 April 2006, which has been passed for my attention.

 

As you will appreciate, I need to make investigations into the points you have raised. In the meantime, I thank you for your patience in this matter and I will contact you as soon as my investigations are complete.

 

I have enclosed for your information a copy of our internal Complaint Handling Procedures. These procedures confirm how to pursue your complaint and how to refer your complaint to the Financial Ombudsman Service if we cannot resolve the matter.

 

Yours sincerely

Neil McKirdy

Customer Relations Manager

 

The letter's been pp'd on his behalf, so I assume he's getting far too many of these letters to bother signing them himself now lol

 

He's got until 9th May, 14 days from when prelim letter was received by the branch, to make his investigations and respond, then I'm sending the LBA letter. I can't see as I'll get a response before then though, and I'm sorry, but I haven't got the patience which he's asking for lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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  • 2 weeks later...

I'm just about to print out my LBA, but do you think I should send it to Neil McKirdy, who my last letter was from, with a copy to my branch, or to my branch with a copy to this Neil guy - or does it really matter? Obviously I'm wanting to do everything above board so they can't start being picky.

 

Any advice appreciated - ta

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Eyup flower. I'd send it to Neil McKirdy's address as that's the dept who's dealing with your claim but I wouldn't address it to him personally. I would put a ref on the LBA though ("further to your letter ref xxxxxx from Neil McKirdy, dated xxxxxx"). Their grievance procedure only states that the branch are your 1st point of contact for any problems so now you've reached the dizzy heights of Glasgow I'd skip the branch completely.

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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Thanks for that Trunny, but I decided to send it to both my branch and to Neil Mckirdy, both sent recorded delivery. I wanted to make sure I got it all together Thurs night ready to send first thing friday morning.

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Just received the following from Neil Mckirdy [i've only put the important points as its a 2 page letter!], basically it's what I expected:

 

"Having noted your comments I am sorry that you have found it necessary to write regarding the level of charges applied to your account over the last six years. You feel that the charges are unenforceable and request reimbursement of £517.91 including interest.

 

I have reviewed your account and note that charges have been applied when your account balance has been in excess of your authorised overdraft limit and returning items unpaid due to insufficient funds. I would advise you that I do not feel that the charges applied to your accound are excessive and that I am unprepared to accede to your request for a full refund of fees which have been applied as a result of your management of your account.

 

If we do not receive a response from you within eitht weeks of the date of this letter, your complaint will be considered closed.

 

Whilst I do appreciate that this may not have been the response you would have liked, I thank you for taking the time and trouble to bring this matter to my attention."

 

Too right it's not the response I would have liked, and it certainly wasn't any trouble for me to bring it to his attention!

 

Do I go straight to Moneyclaim now that I have a definate no, or should I still wait until the 14 day period from sending the LBA is up? This is the part where I get nervous I think lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Don't know the answer to your question but sure someone will.

 

Don't get nervous! You're almost done now & will have YOUR money back soon :)

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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Why wait? He's made it very clear he's rejected your claim. It's hardly likely their suddenly going to change their mind and offer full settlement. Put the claim in now!

It's your money, go get it!

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i asked this question in my thread the other day and was told by lueeze that i should wait and give them the 14 days cos the court will look on it as you ave given them the time that is required and they ave not bothered ...so id wait and then collect m8

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Cheers Zultar. Looking at the Moneyclaim website I think it'll take me about a month to figure it out!

 

I've got 1/2 doz screens open on my PC, at various pages of this site, trying to find the right bits of info, and I'm just getting really confused [i'm only at the 'Claims Description' page on MC as well!! - typical girly, I know lol [no offence to any girly's who know what you're doing, it's just that I don't sorry lol]

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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I've just been reading all the YB threads, and am I right in thinking that I'm the first in getting as far as about to file a claim? If not, any advice would be greatly appreciated now, as I'm really struggling. I've loads of questions if anyone wants to offer any advice.

 

Thanks in advance. PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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How is the claim going PJ? You are ahead of me in the game, but if you want a hand to hold, or run any thoughts or questions past us you know where we are.:oops:

 

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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Once you have been given a final decision by customer ralations (head office) you can go ahead and put in your claim straight away. Any one else writing to customer relations should specifically ask for a final decision. Gaz

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Thanks for that Caro - I'm abit stuck at the moment tho'. I was going to file my claim at Moneyclaim, but it said something about it being a pilot scheme, and my local court wasn't in the list of participating courts. I was also unsure of the wording etc to put on the claim.

 

Anyway, I've paid for one of the Claim Packs that BF has advertised on the site, so I'll wait until that comes and see if it makes things clearer for me. After all, I don't want to f**k things up at this stage!

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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OOh you really are a pioneer aren't you. Not come across anyone using that before. Will wait to hear from you. Glad you are sticking with it. Maybe I should take a look at Moneyclaim now in case I need it in a few weeks. Might save some time later.:rolleyes:

 

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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You might be as well having a look at it Caro. Hopefully, you'll understand it better than me! Does anyone happen to know the turnaround for these 'claim packs' being sent out? [the ones that are advertised on this site?]

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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  • 2 weeks later...

Well, I've put my claim in at the county court today, so it's just a case of waiting to see what happens I suppose.

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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You managed it then. I was only just wondering how you were getting on with the claim. I must admit I still haven't looked at the claim stuff yet. LBA letters can go on Friday so I must get my act together.

 

Hope all goes well for you.

 

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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Notice of Issue received today - deemed to be served today [8th] and YB have until 22 June to reply.

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Ooh PJ you've beaten Trunny to it. Not long to go now.:)

 

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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only just bet her tho lol it's the same branch too, so they're being hit with both barrels at the same time lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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who do I pm details of my claim to? I pm'd the admin@pantwhateveritsaid, but I've checked the litigation list and I'm not on :(

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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PM them to bankfodder hun.

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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Please note that this topic has not had any new posts for the last 692 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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