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hilaryfrances v Yorkshire Bank


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I have just sent off for my bank statements by recorded delivery. It feels good that the boot is on the other foot now and I can demand my money back from The Yorkshire Bank. They made my life miserable I can tell you. I will be interested in seeing just how may thousands of pounds they owe me. I wish I could claim compensation for all the sleepless nights spent worrying about how I was going to cope and the days I spent looking at unopened letters trying to pluck up the courage to open them. REVENGE WILL BE MINE

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Its not revenge, just taking back what was unlawfully taken... but I know how you feel.

 

All the best, and we're all here for you

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Well done Hilary!

 

As Gordon says, it isn't revenge. It's just taking what is rightfully yours!!!.

 

Keep us posted on your progress and don't let them fob you off!!

Yorkshire Bank £4697 Settled in full:D

Bank of Ireland Mortgages £1055 + Interests + costs Settled in full

MSDW £495 Settled in full

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no I certainley wont, thank you for your support I feel quite empowered now I belong to this group, I have always felt at the mercy of financial institutions in the past. This worm has now turned!!! watch this space:)

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Believe me, I know how you feel on all counts! Hope all goes smoothly 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.

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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Likewise - keep us updated & we'll help all we can

** 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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It really is a great feeling to feel that some power has been returned to us.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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today i have sent of for my Citi bank statements and also the statements from The Household bank. I would like to thank everyone for their good luck mesages and support. They say there is strengh in numbers and I truly believe that if we stick together and follow the tried and tested system we will all win through in the end. I am going to find out other statements at the weekend and put in claims against all the companies that have made my life miserable in the past. I made the clasic mistake of trying to borrow my way out of trouble. It never works and the financial vultures are all too willing to help you sink further into the mire. I have sorted out my short term problems for now but it is taking me an age to pay everyone off. If, no WHEN I get my cash back I will clear as much debt off as I can. I was wondering do these rules apply to catalogue companies as well?

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Getting my finances in order has been a great relief to me. As painful as it is, its essential and hopefully, little by little, we can take control of our money rather than the banks and the money itself controling us!

 

 

All the best.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Yes Gordon, it does feel good to be in controll doesnt it, I am starting to enjoy myself now!

 

I have sent DPA lettters today to, Capital One, Egg, and GE Capital. I have looked for the link to list what I have done so far as you have but I cannot find out how to do iy. Could you tell me what you do?

 

Thanks in advance Hilary

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:o Today I got a letter from the clydesdale bank confirming they had received my DPA letter and my £10 fee. They tell me they have 40 days to comply with my request to supply data, Yes well I knew that I told them!

 

What I dont understand is the following paragraph:

 

We also note your request for disclosure of data relating to manual intervention on your account. This is not data which you are entitled to receive under a data subject access request and accordingly no such disclosure will be made.

 

Surely it is in THEIR interests to let me know if any manual intervention has been done to my account as this would up the legitimat admin cost!!!!!!!

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Quite so, but anyway they are incorrect; the "Notes" and any other details relating to your account are related to your account number, which is related to your name. Further to this, they are held in a "relevant filing system". Very much disclosable under the Data Protection Act.

 

I would write to them in these terms, and state that no further delaying or diversionary tactics will be tolerated and that unless the full disclosure requested is with you by the 40 day deadline, that you will escalate the matter into a complaint with the Information Commissioner, and possibly into Proceedings requesting a Court Order that they comply, without further notice.

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I too have made a start today when I heard that I could do this on GMTV this morning. I know exactly how you all feel. NATWEST is going to get a run for their money. Do we send the letters to our branch or the head office. If it has been explained in FAQ I apologise. I have gone through nearly 2 years of nightmares with Natwest and took out a loan with them to try to sort out my charges but guess where I am now - yep in the same boat and still paying the loan.

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;) well StoneLaughter I have taken your advice and have just sent my letter recorded dekivery, Seems wierd this sending threatening letters TO the bank instead of them sending me them! Will keep you posted on my progress Hils
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;) well StoneLaughter I have taken your advice and have just sent my letter recorded dekivery, Seems wierd this sending threatening letters TO the bank instead of them sending me them! Will keep you posted on my progress Hils

 

Good isn't it :D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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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Calm down - it's OK. It is in the bank templates library. Use the one by Vampiress and you can get your interest on your charges too. Open it up and save it on to your computer. If you haven't got excel you can PM Vampiress and tell her I sent you. She won't mind.

 

Basically you will just be noting down the date of each charge, how much it was, the description and the calculations will be done for you. Take a deep breath and give it a go. The beauty of spreadsheets is that they do the work for you so they are a good thing.

 

Got to go and collect daughter from work now, but I'll be back later and check you are alright.

 

Never too old to learn something new.;-)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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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Hilary,

 

There are plenty of people here to help, even if you haven't used spreadsheets before.

 

Take your time, don't panic and get it right!! If you need help you can PM caro or myself.

 

We won't let you get it wrong and we're on your side!!!!

Yorkshire Bank £4697 Settled in full:D

Bank of Ireland Mortgages £1055 + Interests + costs Settled in full

MSDW £495 Settled in full

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Hi there, what an inspiring thread. What I like about this site is so many KIND people are here to help you through every step of the way.

 

We 2 are going for over 6yrs worth of charges and we know it is worrying. It is like a huge net to fall in if things go wrong.

 

There are a lot of wonderful people on this site and either they have been in the same boat and been successful and are willing to share their valuable experience or they are just starting like ourselves.

 

I think they deserve a round of applause.

 

Kind regards

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