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Hiya

sorry to be a pain..BUT - I have sent the 1st letter requesting my 6yrs statements and enclosd my £10.

 

they have now sent me this and i spent many a long day inputting ALL my charges in the spreadsheet.....my claim is for a very embarrassing £4110.00 :-| .

Sent the 2nd letter off requesting my settlement etc and they sent me another letter back saying that they cannot process my claim until I send £10 for them to send me a list of my charges - but they already have done this and that is why I sent them my 2nd letter with the list of charges attached!!!

NOW, I sent another letter (after reading one of the posts on here) saying that I am actually requesting a settlement and NOT statements and could you please reply in 14 days or will be looking into further action etc.....

 

This 2wk date expires tomorrw - however, this morning I have now recd another letter basically saying the same thing. they have processd my £10 as i mentioned in my letter and they have 40 days to send my statements!!! AARGGGH HOW thick are they??

Now, do I need to do my LBA or ring them up n explain??

Im sorry for the waffle but all this money they have fleeced me for has made me VERY mad! and I am determined to get it back!:mad:

 

any advise would be much appreciated!

Claire x

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Welcome to the site Claire. Read this thread first so you can follow the advice given there...

 

Have you been asked for £10 to process Prelim?

 

Good luck with your claim.

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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Don't worry about their obtuse stupidity. You just move onto the next part of your claim.

If that means starting a court claim then that is what you do.

Do it when you said you would do it.

 

The money is yours. Look at the CYNthesys disclosures

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Thanks for your replies, my previous correspondance to YB was that link i was posted about them cashing in my cheque etc etc, so now its the BIG step of threatening court action!

Im soo scared BUT determined, I mean its me, hardly got a few quid to my name (thanks YB) taking on the Bank!

wish me luck!

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  • 3 weeks later...

Hiya all

I previously posted awhile back for support when I sent my second letter to YB (sorry not yet familiar with the lingo on here yet!) - Didnt get a reply off them so just under 2 week ago I sent them the 'threatening before takin them to court letter.

 

The problem is, I didnt include my interest of 8% with my spreadsheet, I just sent them the normal breakdown again of all my charges....so does this look like i havent a clue of what Im doing and YB will walk all over me?

 

Im so stressed now as when it gets to Thursday (2 days time :eek: ) I will have to send em my court request and how the hell do i do that? Im not a very confident person and this is not helping me!!

Please could anyone advise if this has now gone t*ts up and what i need to do to issue a court letter?:???:

Thanks in advance

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hey there no it doesnt mean anything so dont stress !

in your LBA letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

it mentions

plus my costs and without further notice
thats all you need to cover that bit then when you do your n1 you do your 8%
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Thanks for your reassurance guys ;)

Its just very daunting prospect at the moment as it looks like I (along with several others here) will end up going to court....Im really not wanting to go that far but when I see how much ££ they have fleeced me out of - i will do it!

 

Will keep posting and reading on here for advice.

 

Thanks again x:D

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As far as I am aware NO-ONE has made it to a courtroom with YB , we just wish they would actually . Maybe then the courts would be able to rule on the beggars ( can`t write what I usually call them)

 

Just stick to the tried and tested steps in here and you won`t go far wrong , 7066+ people have reclaiming £10 Million + didn`t go wrong;)

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Hiya

I have sent my third letter to YB threatening em with court action etc and they have STILL sent me another letter saying about they have 40 days in which to send my STATEMENTS and bear with them at this stage from that T Rayner person!!! :mad: this is the 3rd one they have sent now......

 

HOW THICK ARE THEY!!??

 

Im soo upset now i feel like ringing em up n blastin em up down the fone - do i just send em my court letter now then and hope for the best??

 

Claire x

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Which one is that one?? (sorry to be thick)

the first one for my statements sending to me was back end of Feb and then ive progressed religously from there...so my threating to take em to court one was sent just under 2 wks ago - their 2wk deadline ends on Monday....:mad:

 

Im in 2 minds wether to ring em up or go to the Financial Ombudsman for advice.....is that ok to do or is it best to do it alone??

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The SAR is when you ask them to provide you with statements going back 6 years so I see from the above that you have had them and have now moved onto claiming the money back.

 

They have 14 calander days to respond to the LBA and if you have not received a reply in this time then youi could call them to see what is going on but they will probably only say that that they are still looking into it and will come back to you later.

 

As such you should seriously consider starting the claim through the Small Claims Court-there is no real need to involve the Ombudsman

iu shoiuld s4

PPMAN159

 

If this comment has helped please click on the scales.

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I've merged your threads so that all your progress is together Phoebe. Could you answer a few questions for me please, so I can be clear in my head what is going on.

 

1. Have you got all your statements going back to when you opened your account?

 

2. Have you used the template letters off this site, or did you start on another one and use theirs? No problem if you did, but I just ask because if you used different ones, it helps to know exactly what you have asked for if not CAG's letters.

 

3. Are you in England or Scotland?

 

The only ones who should be embarassed by the size of your claim are YB. Try not to get stressed and just keep reading the forum. There is a lot to take on board and it is mindblowing to begin with, but as you learn it becomes easier.

 

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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Hi again

In answer to your questions:-

 

I have received all of my 6 years statements and have filled in the spreadsheet and returend it back to YB with the letter asking for my charges back.

 

I am in England (altho dealing with these lot feel like im in LA LA land!)

 

I have used all the templates off CAG - they made me look professional! :p

 

I may give YB a call today to see what the hell they are doing? then take the step of court letter (altho we go away nxt week and the money for the court letter would be better off in my holiday fund!)

Claire x

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Im back!! some questions I have to ask you fellow CAG-ers...

 

Im just about on the verge of doing the court letter, How can I find out if my local county court will do the proceedure? Just read on here that Pontefract CC doesnt do this type of thing - is that right or am I too spaced out by being on here for 2 hours?!

 

I have got a figure of 4117.00 then with the 8%interest of 1,109.65 i have grand total of 5,226....(im soo embarrassed!) anyway - so do i need to charge a daily interest on the highest figure or that one before the interest is added?

Sorry for being slack - ive had bad day!

 

Thanks pets!

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Hi Phoebe Buffet,

I have replied on my thread. Pontefract county court wouldn't do the N1 for Non -Compliance of the DPA/SAR they wanted to do it as a pre-action disclosure.They do do the claims for charges. I think you mis-read what was being discussed (can happen when you read a lot) sorry if you mis-understood.

Nick

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Thanks Nick

Yes, Im getting myself VERY worked up and confused lately!! (not hard!)

Ive Just submittd my N1 to Pontefract - hoping and praying that Ive done everything right........

Will soon find out!

Good luck with yours

Claire x

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Hiya all

Just to let you know IVe sent my form for the courts enclosing my cheque (had to do it for £250)...but im still bricking it! :eek: I get a sneaking feeling that I will get it sent back saying ive gone wrong somewhere and will end up looking like a fool..but heres hoping!

 

Sent the banks copy to their registered address in Leeds is that right?

 

Going away Monday for few days so by the time I get back next weekend Im hoping there maybe some feedback.

 

Thanks again for your advice so far, you have been great!

Claire x

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Hi, Claire,

try not to worry, if you have followed the correct way of doing things then you'll be ok. It is daunting, but it is a matter of waiting now and sticking to timetables. Read as much as you can, if you don't understand anything ask. There is a lot of good people on here, that give you excellent sound advise and if you get stuck or are worried about anything post it and someone will answer it.

Good luck to you too.

Nick

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Claire did you give all 3 copies of the N1 to the court? Because you've mentioned about sending 1 to YB's head office.

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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Hi Pheobe,

 

Just a quick one and i'm not 100% positive on this but you said that you paid £250 for your court fee which implies you are claiming between £5000.01 and £15,000.

 

I don't think you include the interest for your court claim when determining the court fees.

 

I think as the charges are £4117 you should only be paying a court cost of £120.

 

Can someone confirm this and possibly explain it a bit better.

 

Kind Regards and best of luck

 

Richard

Prelim letter sent - 29/12/06

'Go away' letter recieved 05/01/07

LBA (7 day to sort it) letter sent - 05/01/07

'Will look in to' received - 10/01/07

Claim submitted - 16/01/07

Date of hearing set for 21/05/07

Offer of charges plus costs rejected - 17/04/07

Offer of charges,interest,costs accepted - 25/04/07

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£120 would seem to be more accurate on a claim of just over £4000.

 

Can you let us know why you have paid £250?

PPMAN159

 

If this comment has helped please click on the scales.

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