helphelphelp v Yorkshire Bank

[helphelphelp]

hi im new to this site, so sorry im abit behind, i've just recieved my bank statemnet this morning, i know i can claim back unauth O/D fee but can i claim it back when it used to be £5???

Also i've read in posts that some people are adding on interest to the fees they are claiming back, how do i find out the interst rate i should use?? plus do i add this on to every indivdual fee (sorry if i sound thick)

 

I really need to get this sorted im a single mother on benefits, but since going over drawn and the bank taking stupid amounts of money in fees i have nothing to live on! they take every benefit that goes into my account. i got my monthly statement this morning dated from the 1st March -23rd March i had £386.30 go in from benefits and the bank took £503 in fees as i was already o/d Im still £332 o/d so i cant see how i'll get any benefits next month either!

 

without interest i am owed £2881

 

Someone please help

 

Janine

[moss]

Jamie, You don't say which bank it is but if it's YB they have no compassion whatsoever the way they treat people is shameful, they don't care about you or your child. I don't know what the best course of action is but personally i would ring the bank and put the account into dispute and tell them to stop charging me, then i would open another account at a different bank possibly a basic account and get my benefits paid in there, i have been on benefits for over a year now due to illness and i have just changed banks and it was just a phone call and they were changed, then they can't starve you to death next month. then i would use this brilliant site to get all my charges back, unfortunately it won't be quick but you will get them. I'm sure you will get loads more help and advice, so don't worry start your own thread and the guys on here will help you get it sorted.

[moss]

Janine, also take a look at this

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html

[helphelphelp]

thank you both so much for replying

 

janine

[caro]

I've moved these posts to your own thread Janine so we can all follow your progress more easily. Make sure you send that letter to stop your benefits being taken on charges, as they are meant for you to live on.

[helphelphelp]

quick update, i changed my benefits into another account so the bank can no longer get to them, i received my 6 year bank statements in two installments may i add!

OK i gave myself a headache going throw all the pages several times to make sure i found all the charges,

 

Now i just need a little advice, i have read on here and other sides loads of opinions weather to add on the 8% interest but I'm really not sure, i don't want this to go against me and then fail at the end of what looks to be a long fight, but after all the charges and BENEFITS they have taken it only seems fair

 

thank you in advance for any help

 

Janine

[caro]

You can only add on the 8% when you do your court claim. This is because in theory it is added on at the discretion of the Judge, so before the court stage it should not be used. The reality is that you will probably never get to see a judge, but if you reach the stage of a court claim and settling, YB will pay it if you dig your heels in and refuse to let them bully you. This is because they don't want a judge looking at your claim in court, as they probably have things they'd rather not have to justify in front of a judge.

 

So your preliminary letter and LBA should not include interest at 8%.

[zootscoot]

Hi Help,

 

You add the 8% when you file your claim. For your preliminary and LBA just add any interest you have actually paid on the charges.

 

Best of luck

 

Zoot