Dan v Yorkshire Bank ***WON***

[dan-rides-bikes]

in the letters i want to send for disclosure of transactions and charges who do i make the £10 payable to ?

 

first targets are

 

Yorkshire Bank VISA

Yorkshire Bank

Halifax Bank

[monkey_uk]

in the letters i want to send for disclosure of transactions and charges who do i make the £10 payable to ?

 

first targets are

 

Yorkshire Bank VISA

Yorkshire Bank

Halifax Bank

 

What did the organisations say when you asked them?

[dan-rides-bikes]

i shred all my bank statements, therefore i need these bank statements to calculate how much they have charged me in the past,

 

so i thought i need to ask for these statements first so that i can calculate the charges and send the initial claim letter

 

or have i got things the wrong way round ? (im sure i havent)

[dan-rides-bikes]

riiiiiiiiiiiiiiiight

sorted

 

[dan-rides-bikes]

quick question, cannot find any info on this

 

can i claim on a YB account that has defaulted, closed and that i have recieved and paid the CCJ ?

 

thanks

[jonni2bad]

You certainly can.....

 

If you happen to be on a DMP then you would need to take advice, but otherwise proceed as normal - FULL STEAM AHEAD

[dan-rides-bikes]

ah i am in a DMP - how should i procede with this ?

 

although this account and another yorkshire bank account has never been part of my DMP - my Visa account with YB is in the plan though

[jonni2bad]

I think you need to contact the people running your DMP to clarify things.

 

Just my personal opinion now, but hopefully the need to contact them is just to outline your position regarding the possible return of funds, which I imagine would then be divided between your creditors.

 

I would hope someone with greater knowledge of this point could point you (and indeed me) in the right direction, not least for future reference...

[thegoodsamaritan]

i shred all my bank statements, therefore i need these bank statements to calculate how much they have charged me in the past,

 

so i thought i need to ask for these statements first so that i can calculate the charges and send the initial claim letter

 

or have i got things the wrong way round ? (im sure i havent)

 

yes your right.

 

By the way you have to make your cheque for £10 out to each individual company separately.

I'm sure you could get away with sending one to the Halifox, and then one to Yorkshire asking for information its credit card division holds on you as well.

 

It may feel painful writing "please pay Halifax Bank ten pounds only" but don't worry you'll get this all back.

[Janet-M]

Please read the DPDR letter template in the libary it is NOT your bank statements you are asking for as the bank charges for each statement .You are saying you will accept statements.It's all in the wording of the letter.

[dan-rides-bikes]

DPA letter sent 14th May for Bank Accounts and Credit Card account

 

cheque cashed and now received 19th May a letter stating thanks, please allow us 40 days

 

tick tock

 

[Guest Lueeze]

Good Luck

 

Louise x

[dan-rides-bikes]

statements recieved

 

Bank Account 1 = £1464 worth of charges this account got closed and a ccj for around £500

Bank Account 2 = £304 worth of charges :o

 

initial letter leaving tomorrow

[pjdudley69]

Go for it Dan! Best of luck, and keep us posted.

 

PJ

[dan-rides-bikes]

reply to initial request letter

 

 

we are looking into it, here is a leaflet you didnt ask for yada yada yada

 

 

lba will leave as usual etc

 

am i ok to increase the time frame in my LBA to 21 days or i will begin court action so as to have the deadline fall on my pay day so that i can take the claim to money claim on the day the lba expires

 

?

[trundlecat]

I don't think I've done anything spot on the date I was meant to, I'm always late with stuff. As long as the action you're taking is after & not before the stated deadline you'll be fine. After all, you've told them that if they don't play ball by a certain date you'll do this or that, haven't given a specific date for your next action.

[dan-rides-bikes]

ta,

 

ill stick with 14 days so it doesnt look like im changing my time frame

[dan-rides-bikes]

DPA reminder sent for Credit Card

 

has anyone else sent a dpa request for bank accounts and credit card accounts at the same tim under the £10 fee ?

 

just making sure i dont have to make two payments ?

 

thanks

[alftupper]

Yes, with clydesdale for current account and clydesdale mastercard

[dan-rides-bikes]

sod off letter recieved on day 14

 

just need to write out my list of charges today and lba will be gone

[dan-rides-bikes]

lba gone

[dan-rides-bikes]

here is the back ground

 

i had 2 accounts with the yorkshire bank,

 

got in financial trouble late 2004

 

account 1 was overdrawn by £421.22

account 2 was in credit by £228.35

 

at which point they transfered the credit from account 2 into account 1 and closed the account

 

which left a balance of £192.87

 

-------------

 

now, i was not very organised back then as i was drowning in other debts so i didnt save much paper work unfortunatly as it was easier to throw the mail away before reading

 

all i can find is a letter from July 2005 which refers to a Northampton County Court Case No and an amount of £345.93 which is plus £153.06

 

the only other letter i have unfortunatly is from February 06 when i had paid the final installment of £47.68 after arranging to pay via the court after having debt collectors at the door

 

---------------

 

the charges on this account are £1510 which i am already at the lba stage for and the account was defaulted for what i guess was the initial £192.87 i owed them

 

my question is:

 

what charges am i able to reclaim from Jeremy Sutcliffe (which i hear is YB's in house solicitors) if any ?

 

im pretty sure the debt was around £500 after the court stage

 

any advice is welcome

[bram stoker]

I would say you could raise another claim as the case against you to repay the debt should never have been brought up, since the debt was made up of vtheir unlawful charges.

 

You should claim for all costs you incurred regarding this case, and get any defaults against you removed from your record.

[dan-rides-bikes]

what would be my first step ?

 

send Sutcliffes a DPA letter ?

[bram stoker]

what would be my first step ?

 

send Sutcliffes a DPA letter ?

Would they hold details of your costs? If it's just the court costs I'm wondering if you could get this information from the court. What other costs exactly are you expecting to claim?