Beware Of Yorkshire Stalling Us!

[Gogivit]

Having received my six years worth of statements, having then sent a letter requesting being refunded, having received a NO REPLY (letter with some form of signature; but no printed name!) I discovered that my cash point card suddenly become un-operable and that I should contact the bank for advice.

 

Rather than phone them as they usually request, I sent them instead and as per usual for me, a letter via registered post, asking why I was not able to have access to my funds and could they respond in writing... Well no letter(no surprise there as the manager never contacts me personally unless of course its a computer generated advice note, probably unknown to him or is it her? that was sent! But I did discover my card to suddenly be working again........

 

The joys of dealing with bullies, only thing is I am not claiming a refund for the money but for the principal.

 

One other thought that occurs to me, is why some individuals get a refund with no quible and others have to fight. Is this not some form of prejudice? Its worth considering don't you think?

 

Well I have not rushed my claim and my last letter to them is that if I am not re-imbursed by a set date disclosed to them then I will raise a claim with the small claims court for a figure just over £4900.00:D

 

Can I just also add that my letter pointed out that I am happy to go to court and allow the judge to make a formal but in-partial decision and what will be will be.

 

Good luck to all my fellow claiments and those feeling daunted by the whole process. If I can do it, then so can you.

 

Gogivit

[Gogivit]

Having been studying these sites, I cam accross one thread where a person asked the following question...

 

If the bank refuses to refund the charges as requested (quite typically several weeks pass by) you then can file a claim in the small claims court; However is it true that when you do this, you have to adjust your figure? My reason to ask this is because I am initially requesting a refund for charges from the period January 2001 to January 2007.

 

But obviously many weeks have passed by and we are in March. I intend to raise my claim with Yorkshire Bank on about 4th April 2007 so should I therefore addjust the period and total request for refund?(in other words claim from the period April 4th 2001 to present)

 

I feel this is an important question and needs claryfying as it may be deemed a technicality.

 

Please advise if you can.

[ladybird17]

yes, you can adjust the figure when you file at court.

[Gogivit]

Many thanks for your reply.

[Bigmac versus]

GOGIVIT, NO you DONT change your dates, this is because you notified them of your intentions to claim back any charges that were found to be punitive in nature and not a true reflection of their costs in relation to a breach of contract, if this wasnt allowed then the banks could drag claims on to their advantage. The schedule of charges you have sent them can be added to up to the day you file at court for the most latest charges.

Hope this clarifies the situation for you, your start date never changes from when you informed them of your intentions.

 

Good luck.

[Gogivit]

Ok I will stick with the original amount. I am raising my claim very soon and will advise everyone how I get on.

[ladybird17]

sorry - I obviously didn't explain myself - I meant exactly what Bigmac said about adding up the charges when you file- but should have said don't change dates.

[Gogivit]

Back in October last year, I arranged a direct debit with NTL now Virgin. However they messed up my direct debit date which through spiral effect cost me £250.00 penalty charges from my bank (YORKSHIRE). After about 15 phone calls and 3 letters sent to Virgin media today they have credited my media account with £250.00!

 

The moral of this story, is don't give in to these BIG BOYS. IF YOU PERSIST YOU'LL GET WHAT YOUR OWED...

 

Now I am waiting to take on the bank........

[caro]

Cheeky, but I see where you're coming from.

[zootscoot]

You might want to consider requesting statements beyond the six years see:

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/76009-yorkshire-bank-limitation-act.html

[Gogivit]

I was wondering if any members like myself never get a reponse from the bank manager. I have written many letters and always request a written response but to no avail.

 

I was wondering if this may be worth mentioning to the courts (I will shortly be processed) also do all branches have managers because when I do recieve a letter from my bank manager (topic regarding overdrawn), it always appears to be from Leeds! Surely this is not cost effective to post from Leeds when it would be cheaper to send letters locally?

 

Could my bank manager be commuting from Leeds to Luton everyday? Could he or is it she (I do not know) be a computer generated thing from another dimension?

 

It is interesting to note that after the BBC1 investigation Wistleblower, Barclays Bank responded to concerns via their website, however the Yorkshire Bank have said nothing!

 

Maybe like bank charges, the computer doesnt switch on until a set day of each month thus keeping its costs (say £0.40) to a maximum and therefore we may get a response sometime soon!

[Gogivit]

Yorkshire Bank have today advised me that after my second complaint they are reviewing my complaint.

 

They assure me that every effort is being made to bring my complaint to a satisfactory conclusion!

 

It prompted me to respond by a further letter...

 

The new letter states why Ive received further charges for a direct debit I never authorised and why my branch manager never responds to any of my letters.

 

Will keep you posted on all my progress.

[moss]

Funny that, YB set up a direct debit on my account without me filling in a mandate or authorizing them to do so, i instructed them to stop paying it which they did two months latter and then started charging me £35.00 each month for not paying it, any way upshot is i finally got the payments refunded when they couldn't come up with proof i had set it up, but they still haven't refunded the charges, but that will be sorted soon.

[caro]

Please stick to one thread as it is easier for the rest of us to follow your progress.

[Gogivit]

Having innitially requested a refund from my bank and told NO! I wrote back and sunsequently received a letter saying that it would be further investigated. However during the wait and at looking at this site, I have since sent another letter to the bank requesting further bank statements dating from the opening of my account (1994ish) to 2001 period.

 

A letter recieved yesterday from the bank yesterday says they will send me these in due course so I now wait in anticipation.

 

Off topic, I have been taking things a bit slow and so far the whole process has taken about 10 weeks with yet no conclusion but my partner who banks with the Woolwich has in the space of 2 weeks recieved an offer!

 

Can I also say that ive since bought the book "Small claims Procedure A practical Guide" of this site and it has taught me things I never considered or understood therefore I recommend others to do so too.

 

I am estimating my claim to be £5000 before any interest will be awarded therefore I have to prepare myself for the small claims court and hope you lovely people will support me.

 

I am firm that I will not settle for anything less than 100% payout and any interest owed.

 

I am still unsure of the claiming of charges prior to the 6 year rule but will continue to monitor others progress.

[Varangian3]

Hi Gog

 

I am in a very similar position to yourself regarding Yks. After a megarow over charges in 2001/2 they closed the account and the OD was paid off. For the 6-year reason, I hadn't looked at this as a claim yet because I have other bigger ones.

 

However, having read BankFodder's comments about going beyond 6 years I fished out all the old statements (sad I know, but I was self employed so kept them). With some interest going back more than 10 years, this still tots up to about 2k, so well worth going for.

 

My calcs are done and the prelim Letter will be for everything. I'm not entirely clear whether we should be going for 6+ for everything yet (conflicting messages), but for Yorks I think its OK because they figured on the Whistleblower programme, and so we have the clear evidence of the true charges being 1-50ish rather than 30 quid or whatever.

 

While the letters are pending I'll be looking in detail at the wording of the court papers. I think the only real difference is that you cite the Act of Concealment as sufficient justification for overriding the Limitation Act. Anyway, I will be starting a thread soon, so it looks like we'll be riding the same train! Contact me if I can help in any way.

 

Varangian Guard

[zootscoot]

Best of luck to both of you.

[Gogivit]

Today at 14.40 hrs I was just advised by my customer service officer at YB that the terms and conditions form I signed during March 1993 was destroyed years ago.

 

Any ideas anyone on how to proceed here?

[Parkvale]

Under the data protection act you are entitled to your terms and conditions. Write to them and inform them of this.If they cannot or willnot supply them it makes your case alot stronger if you have to go to court.

[Gogivit]

Many thanks Parkvale,

 

Today I will be sending a letter registered post advising them of this. It has not deterred me in any way.

 

I have just received a cheque for £200 as gesture of goodwill and happily returning it to them today .

 

Next week I should be receiving my statements from 1993 to 2001 period and cant wait (though I accept 1994 may be earliest date they have).

 

Once I have these statements then with those currently in my possesion from 2001 to 2007 period then I begin the kill!

[Parkvale]

Onwards and upwards.

[Gogivit]

Today I have returned the cheque to YB solicitors. I pointed out that the £200 doesn't even go to cover my paper usage, my computer ink, my time and effort, postage costs etc and will continue with my claim regardless.

 

I pointed out that their customer services officer has advised me that my t & c's were destroyed years ago and that I feel this warrents investigation (shame they cant destroy terms and condition agreements for mortgages! )

 

Also wrote to my bank demanding date and details regarding why my T & C was destroyed and pointed out that I have not signed any other agreement and am not aware of any other updated terms / conditions from my original form!

 

Of course I have considered my branch customer services officer may have lied but on that note I am wondering if maybe I should have her summonsed to court as a witness to explain why she has lied! Time will tell.

 

Hopefully she will confirm in writing what she clearly stated verbally!

[Gogivit]

Having requested my statements for the period (start of account to 2001) I have instead been issued with duplicate copies for the period (2001 to 2006 which I already have)! It is interesting to note that the headed paper that accompanied the copies has no date reference.

 

OBVIOUSLY A STALLING PRACTICE BY YORKSHIRE BANK!

 

Once again I will be stalled for another 6 - 8 weeks.

[PKea]

If you send a SAR they have to respond within 40 days

If you just ask for statements they can do what they are doing now

 

Paul

[Gogivit]

This is what I wrote (so maybe others do not make same mistake)?

 

 

Dear Sir or Madam,

Re. Account number xxxxxxxxxxx sort code xxxxxxxxxxxxx

I am writing to request a fully comprehensive list of all default charges for direct debit, unauthorised overdrafts and standing orders I have paid from the period when I first opened my account to the period of 31st December 2000.

 

 

Was this no good then? (so others do not make same mistake)?