New claimant - YB

[masontak]

Hi MichaelI've just PM'd you. Hope you don't mind?Thanks.A.

[conalot]

have emailed you copy of terms and conditions hope you got it ok. Im not the greatest pc user

 

jeanette

[masontak]

Hi Jeanette

 

Sorry but I don't seem to have received your e-mail. Will I send you my email address again in a PM?

 

Thanks

 

A.

[JunkiMunki]

hiya MT,

I just labelled it as I thought would explain it best, I divided my sheet into 8 columns first one date, [2] statement no:, [3] reason for charge[ U/O MONTHLY CHARGES ETC;] [4]how many,[5] amount per item,[6] daily, [7] monthly ,[8] total amount, this is just the spreadsheet I used to calculate just the charges taken from myself betweeen the relevant dates.

 

DATE St No Reason for xx Amount Daily Monthly Total

16/3/01 13 U/O +Monthly charge 3 £5.00 =£15 + £25 = £40.00

17/3/01 14 daily charges 5 x £5.00=£25 +---- = £65.00

this is just for a general idea hope it helps you , junkimunki;)

[JunkiMunki]

sorry for the intrusion Masontak, I offer you my apology for intruding upon your site but I was wondering if Conalot could let me know what years he has T+C's for as I am trying to locate the T+C's for 2001,- 2005, inclusive and would be eternally grateful to anyone if they could supply me with these.

Court date AUG 21ST 2PM;)

[masontak]

Hi

 

I'm afraid I haven't seen them yet, but you may have to PM her or put this question on her thread.

 

Good luck.

[masontak]

Hello everyone,

 

Well finally, my N1 is in an envelope as we speak. Nothing short of a miracle really. Due to lots of generous advice I have managed to complete everything; without a hiccup too.

 

Now the fun really starts!

 

A.

[Michael Browne]

my N1 is in an envelope

You need to send 3 copies of the N1 + 3 copies of schedule of charges + court fee.

 

The court stamps them with the court seal and keeps 1 copy, serves 1 on YB and sends you 1.

[masontak]

Amazingly I did all that, so I must be taking in some of the info I read on here. Grateful for reassurance though.

 

A.

[JunkiMunki]

Will add you to my buddy list and follow ur progress MT, Pm if you need any more info, might be able to help if not I know someone will have the answer for you, I also have a thread in this forum "Junkimunki Vs Yorkshire Bank plc", COME AND FIND ME IF YOU LIKE !!!!!!!!!!!!!! junkimunki xx

[masontak]

Quick update.

 

Rang Court this morning to see who to make the cheque payable to and was told that I only have to send 2 copies of my N1 (plus other bits) in, I didn't even have to ask. They will copy it and then send me a copy.

 

Maybe it just depends on the court whether you have to send 3.

 

A.

[masontak]

Hi everyone

 

Not been around for a while, but things are moving on slowly but surely.

I received Notice of Issue and the bank have until 26th to respond. I have also received an offer (albeit small) from J Sutcliffe and Co.

 

As I have already started Court proceedings, I just wanted to check that I send Letter 6 back to the solicitors with the cheque enclosed, either cut in 2 or cancelled written on.

 

Thanks for any help.

 

A.

[Michael Browne]

As I have already started Court proceedings, I just wanted to check that I send Letter 6 back to the solicitors with the cheque enclosed, either cut in 2 or cancelled written on.

Yes

[masontak]

Hello MichaelHow nice to hear from your good self. Thanks for your reply.A.

[masontak]

Just a quickie.

 

I'm currently working on the rejection letter so I can get it posted off tomorrow.

 

In the part below:-

 

My claim is for £XXXX.XX as outlined in my Particulars of Claim, plus court costs of £120.00, and this claim, etc.

 

Alternatively, should you wish to settle my claim in full, then please forward the balance of the claim (£XXXX.XX), etc.

 

Do I just put in the charges amount plus the £20 SAR fee OR do I put both those amounts in and the interest, or do I omit the interest?

 

I do like to make things complicated, don't I?

 

Thanks,

 

A.

[Michael Browne]

Either

My claim is for £XXXX.XX (charges + sar + interest)as outlined in my Particulars of Claim, plus court costs of £120.00, and this claim, etc.

or

My claim is for £XXXX.XX (charges + sar) as outlined in my Particulars of Claim, plus s69 8% interest of £XXX, plus court costs of £120.00, totallling £XXXX and this claim, etc.

[masontak]

Thank you.

 

A.

[masontak]

Hi

 

The Bank have until tomorrow to respond to my claim. Do I ring the court to see if they have or do I just wait to see if I get anything through the post from the court/bank?

 

Just wondering!

 

Thank you.

 

A.

[masontak]

I was just wondering that with my claim being stayed last year with everyone elses whether amounts can be changed to claims. Unbelievably, I haven't had any charges for a while!!! but in the last 6 days, YB have charged me a total of £75.00!!! Is this because I have a claim against them???? and

do I have to start a new claim for any charges I have received since my claim??

 

Thank you.

[Michael Browne]

You can amend your claim, but it's not worth doing so until stays are lifted

 

Following the judgment of the OFT test case last week, there is a Case Management Conference on May 22nd when Judge Andrew Smith may lift stays, (although IMO he won't)

[carpman]

what makes you say that you don't think he'll lift the stays?

[Bigmac versus]

As there is likely to be appeals the possibility of the waiver being lifted before the appeals are heard is unlikely. Would love to be wrong on this but we must be realistic. The other point is that if the appeals wont be heard for some time then the Human Rights argument comes into play, the question is what is deemed as a reasonable period of time. May 22nd will hopefully shed some light on what to expect.

[masontak]

Thanks for the replies. Fingers crossed hey! It's a good job you guys are still around and know what you're talking about. Thanks.