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pjdudley69 v Yorkshire Bank **SETTLED**


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I'm absolutely fuming today!! Things have been a bit tight over the last few months, and I've only just been staying within my overdraft [and the £25 buffer] limit. I received a letter today from internet banking to say that there wasn't enough in my account to pay a £20 s/o [this was due on Weds], so I phoned the company I owed it to and paid by switch today [payday]. I also had a couple of other dd's due on wed. These went out, but it must have took me beyond my buffer zone. I only realised when I've checked my internet banking today.

 

What's got me really angry though is the fact that they've slapped a £25 'unauthorised o/d fee' on yesterday. The following points are what's really got me annoyed:

a] According to my statements unauthorised o/d fees are £8 per day, and £25 just shows as charges.

b] I can't find the terms and conditions, but I'm sure I've seen it somewhere in the bumph I've had that they write and give you advance notice when a charge [other than the daily charge] is going to be slapped on!

 

Any advice on this? And, how do I go about adding this to my claim now that my AQ's been submitted with my schedule of charges?

 

Cheers 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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After a quick search online I found the charges for current accounts.

 

Yorkshire Bank Interest rates and charges

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

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Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Thanks for that Blueskies - they've obviously changed it since I last had charges! Am I able to add it to my claim now that my AQ has gone in, or would it be simpler to keep a note of it in case I occur more charges and claim again in future?

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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Id personally wait until they offer you an out of court settlement and then when they do, tell them you want these charges as well.

 

If it goes to court and you win, which we know you will, then tell them if they dont pay these you will take them to court again

 

(And I still havent had my bin emptied)

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Righteo, YB have sent me a copy of their AQ today. They've said that they wish further action to be postponed for a month so that we can attempt to settle - I take it I just sit back and wait to see if they contact me know to pay me my dosh?? They've also said that are intending to call 2 witnesses to give evidence at the hearing - who on earth could they possibly be??

 

Have any other banks called witnesses? and if so, in what capacity?

 

Any thoughts appreciated

 

Cheers 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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Hi

 

They put exactly the same on my Mums AQ, so we are just waiting now, especially since we received the stay from the Judge.

 

We were wondering on the 2 witnesses and came up with shortlist;

 

Laurel & Hardy

Delboy & Rodders

Batman & Robin

2 random people pulled in off the street (in a last minute wedding stylee!)

 

We could go on and on and on, but honestly we have no clue who they could be. I guess if it all goes our way it will remain one of lifes little mysteries..............

 

Rachel

Doing this on behalf of my lovely Mum!!

 

LTSB No1 - £200+£31.70+£30 = £261.70 COURT DATE SET 8TH NOVEMBER 2006

LTSB No2 - £423 +£124.16+£80 = £627.16 DEFAULT JUDGEMENT GRANTED DUE TO NO SHOW FROM LTSB

Yorkshire - £498+£102.64+£80 = £680.64 COURT DATE TO BE ADVISED - ALLOCATED TO SMALL CLAIMS TRACK

Citi - £1600+£361.46+£120 = £2081.46 CHEQUE RECEIVED F&F SETTLEMENT 07.06.06

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As you say PJ, wait for them to come to you. Do we really think they will go to court? No we don't. Therefore do we care about witnesses? No we don't. Is this more intimidation? No I can't be libelous so I hadn't better suggest that.:rolleyes:;)

 

Just sit tight PJ and let us know what they do. You know where to find us if you need help and support. Sit tight and wait for the offer, and don't settle for anything less than your full claim. Finally some movement but they can still drag it out another month.

 

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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That actually sounds like good news to me. They may be dragging it out a bit longer but the end is nearly in sight. I think an offer will be coming soon :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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That's my opinion too Rob. Am I right in assuming that if the judge agrees the stay, then after that one month it's a case of waiting for a court date and the end is nigh? [i really really don't think it will get that far now - I can't believe I even felt remotely worried the other week Caro!] If they don't contact me to resolve this, I can't imagine the judge would be too impressed would he? And would it be too cheeky of me to ask them to throw the £25 they charged me last week in? or shall I just save that for if I have to claim again?

 

I know, I know, too many questions - my head's running away with me now and I might be getting a bit too giddy a bit too soon 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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If you haven't come to a settlement after the months stay then yes, I assume you will be allocated a court date. I think it may be too late to add the new charges on now, if they offer the full amount you put in your claim you can't turn it down just because you've incurred charges since.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Thanks for that, I thought that might be the case, just wanted a 2nd opinion. At least now I know better than to throw my statements away after a year :)

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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but,

 

your prelim letter gave them 14 days

you lba gave them another 14 days

the court action gave them 28 days

 

why the hell should they be allowed another month ?

 

its blantant misuse of the court system imho

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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I completely agree with you Dan - it takes them 2 minutes to slap a charge on and, so far, this process has taken me almost 5 months to date. They know, and we know, that they'll settle up so why waste everyone's time

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 completely agree with you Dan - it takes them 2 minutes to slap a charge on and, so far, this process has taken me almost 5 months to date. They know, and we know, that they'll settle up so why waste everyone's time

 

They do it because they can.

For them, it's all about control.

This is the basis of how they operate, how they treat their customers, banks are not run on a mutual basis, they are in it for the money and nothing else.

Of course they haven't yet worked out that the longer they stall, the more interest they owe.

You'd think that a bank would know that? Maybe they really do think they can win? :confused:

Headless chickens.

19/6/06 Data Protection Act letter sent recorded delivery.

27/6/06 Confirmation of receipt from Clydesdale Bank. Awaiting statements.

7/7/06 Statements arrived in the post - all 3 accounts as requested. (This took 18 days in total).

10/07/06 3 accounts - £898.00 excluding interest of £216.61 - Prelim letter posted by recorded delivery.

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They've implied they have witnesses to try & put the sh*ts up you thinking it'll make you settle for the first amount of cash they offer to you.

 

How transparent are they? It's like being in a playground!

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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They've implied they have witnesses to try & put the sh*ts up you thinking it'll make you settle for the first amount of cash they offer to you.

 

How transparent are they? It's like being in a playground!

 

Playground? That's the basis of their whole credit scoring system.

 

"Miss, Miss, he went overdrawn so I'm going to tell on him so he can't get any credit anywhere. So Ner"!

 

It's quite pathetic. Whatever happened to having bank staff you could really talk to? They've replaced them with automatons who are unable to make a decision for themselves, and who supplement their wages by selling you an insurance policy you don't need..

I've been with YB since 1975 and it counts for nothing.

19/6/06 Data Protection Act letter sent recorded delivery.

27/6/06 Confirmation of receipt from Clydesdale Bank. Awaiting statements.

7/7/06 Statements arrived in the post - all 3 accounts as requested. (This took 18 days in total).

10/07/06 3 accounts - £898.00 excluding interest of £216.61 - Prelim letter posted by recorded delivery.

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If they think they're going to put the sh*ts up me they've another think coming. Anyone should know better than to cross a p*s*ed off Barnsley lass, eh Trunny ;)

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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PJ - I genuinly check your's, Caro's & Trundlecat's threads every day, JUST so that I don't miss the point when you finally get to say "I'VE WON!!!!" against this despisable, horrid bunch of people.

 

I hate them so much it gives me goosepimples just picturing that refund hitting my account, and I can quite imagine that it's a similar story for everyone else that's been unfortunate to have been involved with this lot.

 

So, for what it's worth - I, along with many others here, am firmly right behind you!!!

 

C'MON!!!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Oo JMio I feel like one of the three musketeers, and you can be our D'artagnian (sp?).

 

All for one and one for all. :D

 

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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Ooooo, now then. Just opened my mail (bit late but been out all day today) & I have a copy of YB's AQ. They've asked for the 1 month to try & settle but no indication of witnesses on mine. That says to me they are just using the witnesses thing as an intimidation tac-tic (like with my "not in joint names" saga).

 

Make that lasses PJ cos they're really rubbing me up the wrong way now!

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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PJ - I genuinly check your's, Caro's & Trundlecat's threads every day, JUST so that I don't miss the point when you finally get to say "I'VE WON!!!!" against this despisable, horrid bunch of people.

 

I hate them so much it gives me goosepimples just picturing that refund hitting my account, and I can quite imagine that it's a similar story for everyone else that's been unfortunate to have been involved with this lot.

 

So, for what it's worth - I, along with many others here, am firmly right behind you!!!

 

C'MON!!!

 

I couldn't have put it better myself! Getting my money back from YB will be extra extra sweet!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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...... Waiting with bated breath for Mr or Ms "please do not post potentially libellous comments" to incorrectly hack the last few posts to bits.

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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I thought about it Trunny. Any complaints and it will have to happen. ;)

 

Do you know I am getting really excited by all this at the moment. Let's hope things really are moving.

 

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 like the three muskateers analogy - or is it muskateerettes? lol You lot are an absolutely fantastic bunch to have behind me, and I've got to admit that without all your support I'd have probably jacked this in at the first hurdle.

 

And Trunny, they're not playing fair with you - I'm sure you'd have loved to see Laurel n Hardy, or whoever, in court as much as I would :D

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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Please note that this topic has not had any new posts for the last 684 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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