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CF1958 - v -Yorkshire Bank ***WON***


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Hi I am new to this site i am claiming charges back for my son, wrote to Yorkshire 12 Feb 2007 to request 6 years statements, £10 cheque cashed 15 Feb 2007, acknowledment letter around 18 feb 2007 saying they have 40 days, 22 Mar 2007 another standard letter from them saying as they are experiencing a high volume they would not be able to supply them within 40 days, 26 Mar 2007 wrote to ICO to complain had no response yet from ICO, 27 Mar 2007 18 months statements arrived saying others would follow shortly, wrote to Yorkshire again 2 Apr 2007 reminding them that outstanding statements were required without delay as they had already not complied and the ICo had been contacted to seek remedy, what do I do next as i am unable to calculate his charges until information is availabe. My son also had a Yorkshire bank visa card a few years ago and i had to take a bank loan out to clear it as he was constantly being charged foe a late payment he has no details now of his account number how would I chase the charges from this without any details, any advice would be very much appreciated.

 

 

Hi I am new to this site

 

i am claiming charges back for my son,

wrote to Yorkshire 12 Feb 2007 to request 6 years statements, £10 cheque cashed 15 Feb 2007, acknowledment letter around 18 feb 2007 saying they have 40 days,

 

22 Mar 2007 another standard letter from them saying as they are experiencing a high volume they would not be able to supply them within 40 days,

 

26 Mar 2007 wrote to ICO to complain had no response yet from ICO,

 

27 Mar 2007 18 months statements arrived saying others would follow shortly,

 

wrote to Yorkshire again 2 Apr 2007 reminding them that outstanding statements were required without delay as they had already not complied and the ICo had been contacted to seek remedy,

 

what do I do next as i am unable to calculate his charges until information is availabe.

 

My son also had a Yorkshire bank visa card a few years ago and i had to take a bank loan out to clear it as he was constantly being charged foe a late payment

he has no details now of his account number

how would I chase the charges from this without any details,

any advice would be very much appreciated.

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My first advice is that you should discover the paragraph return key on your keyboard and also try using some punctuation and new sentences.

It's not a joke.

We work very hard here and your question as posted was nearly impossible to read, took a long time to do so and discourages any effort or goodwill on the part of others.

 

Secondly if you take the trouble to read some of the other posts on this YB forum, you will find that exactly your scenario has been played out several time before and that the suggested course of action has already been explained.

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  • 1 month later...

I see from another thread that you are asking about Oldham Court. This should be of interest to you.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/87398-just-got-directions-i-2.html#post792262

 

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 Caro, very interesting I am hoping that the recent judgement by Judge Cooke will not influence any other Judges.

 

I am also doing my sons partner's reclaim of charges, still waiting for 12 months statements, the 40 days is up on 26th May, so far the charges come to around £3000 excluding interest and i am sure there will be about another £1000 on top of that, as they really struggled when the children were born she banks with TSB.

Her's will also be at Oldham County Court as I am sure TSB will not pay out, they are filled with false confidence at the moment

 

I am going to look on the site about claiming PPI back, as I recently found out that she had been paying the Select account fee for the past 6 years, currently £7 per month, she was unaware of this and had never requested the account (trying at the moment to get back the 6 years from TSB).

A recent letter from TSB said that she agreed to this when she was granted a loan in April 2001, she cannot recall being told about the select account and is pretty sure she did not sign for it, she said she was forced to take out a PPI wich was over £700 on a £5000 loan.

 

I would just like to thank everyone who works on this site, you really have given people inspiration and confidence, i could not have got this far without this site, there is still along way to go but all the information is here and I will see the cases through to the end win or lose.

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You'll win. You are forgetting the Lloyds case was the first they have won, and I understand is to be appealed as there were some questionable issues with the case. There have been thousands of others that have been settled and there is no reason that yours won't be a winner.

 

I too am starting a claim for my husband against Lloyds TSB, and have a thread in that forum, where I'm sure you would find more specific advice and support on that claim if you start a thread there. There is also a PPI forum.

 

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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Just updating the position so far.

 

Finally received the rest of the statements on 27th April, I had the N1 completed about to take it to court for non compliance when they dropped through the letterbox.

 

Sent prelim requesting charges of £527 back on 27th April (delivered by hand) had the usual bog off letter.

Hand delivered LBA 13th May they have until Tuesday taking into account the bank holiday. if no refund I will be filing at court on the Tuesday on behalf of my son of course.

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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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Has any one else had any problems trying to access MCOL once you have lodged a claim.

 

I have been trying for nearly 2 hours to get back in to see any progress and it is very slow on log in then it says page not found, I have now been locked out for 2 hours, I am entering the right details but can' seem to access the claim.

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  • 2 weeks later...

Managed to get back into MCOL it must be a very busy site, the claim was issued 31st May & Acknowledged 5th June, they have 28 days now.

 

Today received a gesture of goodwill offer from Solicitor in Leeds for £200, going to reject the offer as charges are £527 plus interest and £80 court costs so far which equates to over £700.

 

Just another big thank you for all the people who run this site.

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  • 2 weeks later...

What's going on today with Yorkshire Bank, so many wins are showing.

 

Just posting to ask a moderator if they could change my title to

 

CF1958 -V -Yorkshire Bank

 

As the case has progressed to Court stage now to reclaim the charges.

 

Thank you

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Just seeking clarification on how long YB have to file their defence, the MCOL claim was issued 31st May (deemed served 5th June) YB acknowledged 5th June, is the 28 days from the 31st May or 5th June.

 

Thank you

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28 days from date of service I believe.

 

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 your reply Caro, glad to see you back on the site, hope everything is sorted now with your recent flood.and family commitments.

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Getting there thanks cf, although moving out of the house for 3 months tomorrow. Still lots of much needed nice new furniture etc to look forward to at the expense of the insurance company, so can't all be bad. Trouble is no phone, so no internet for about 5 days!!

 

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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  • 2 weeks later...

*****WON******

Just got back from holiday to find a reply from Legal Department, it contained the 11 point defence and an offer of the full charges (no interest) and the Court Costs, My son has signed the agreement and posted it today.

 

Could you move this post to success forum, thanks a million to every one who runs this site,i would not have done it without you. I will get him to make a donation when he gets his money.

 

Brief run down filed on MCOL 31-05-07 offer of £200 received 7-06-07, rejected offer, full offer dated 29-06-07 for £527 plus Court Costs.

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Congratulations.:p

 

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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My son contacted bank today to ask when he will be getting the money, he was told they have got 40 working days to pay, is this correct, he has not yet cancelled his court case until the money is in the account.

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That's a new one on me. I suggest that your son writes and reminds them that the case is still on going pending settlement, and that if they don't pay up within 7 days, he will continue with his claim, including interest to the date of settlement. Thank goodness he didn't sign the discontinuance notice.

 

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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Just an update, my son received his cheque on friday,they may have been prompted by the order the judge had made, it was ordered that by 10th August YB should provide a full breakdown of thier costs by a responsible employee, or thier defence would be struck out and the claimant could apply for judgement

 

I have made a donation today, it is from my own money as my son needs every penny. I would like to urge everbody else to donate and ask yourself would you have had the confidence to take on your Bank without the support of this site, I know that I would not have, even though I have had no financial gain, It has give me great satisfaction to know that I have taken them on and won.(with the help from this site)

 

So please please please donate to keep this excellent site going.

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Thanks very much cf. If it weren't for such generosity it would be harder to keep going. I don't know how many know these days, that to begin with, BankFodder and Dave paid for this site out of their own pockets, and the size it is now, that just wouldn't be possible.

 

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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