I'm pretty sure we can cash and carry on, but not cashed mine yet. Please can someone confirm this for us.

I found this one that works on my computer. Hardwicke Building - Calculator - Simple Interest It might be a bit long winded as it isn't a spreadsheet, still useable though.

Hi Ker7085 I was there a couple of weeks ago. Don't give up, it is there standard letter. It's like a game of chess. You send a letter, they reply saying no and threaten. You reply by telling them you don't believe them and threaten back, etc. I have rejected their 50% cheque and threatened court action and now recieved a reply from them saying, go ahead then ! My next step is to work out the interest @ 8%, costs, and add it all up. Then I can issue the moneyclaim. Good luck.

Hi. Very nice reply. You seem to be at the same stage as me. I'm about to calculate my 8% etc since rejecting a 50% payout. Good Luck.

Following on from my thread, to cut a long story short and to save alot of duplicate reading: http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/14994-russ-r-yorkshire-bank.html YB offered me 50% of my fees back and sent me a cheque. I replied: Dear Hilary McGuinness. Thank you for your letter dated 6th September. I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £XXX.XX with no conditions attached. I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary with interest @ 8% and the relevant charges added. My letter before action sent previously indicates that you have until 12th September to respond before Court action commences, but I am willing to give you a further 14 days to respond to this letter before I commence court action. There will be no further extension to this timescale. I trust this clarifies my position. Yours sincerely Etc. Today I had a reply saying that if I encash the cheque, it will be taken that I accept it as full and final settlement and that their position remains unchanged. Is there an interest calculator that works? Do I then fill in the moneyclaim form. Thanks.

I've replied as follows: Yorkshire Bank Customer Relations. 20 Waterloo Street Glasgow G2 6DB 10th September 2006. Re: Account numbers XXXXXXX. Response to settlement offer. Dear Hilary McGuinness. Thank you for your letter dated 6th September. I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £XXX.XX with no conditions attached. I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary with interest @ 8% and the relevant charges added. My letter before action sent previously indicates that you have until 12th September to respond before Court action commences, but I am willing to give you a further 14 days to respond to this letter before I commence court action. There will be no further extension to this timescale. I trust this clarifies my position. Yours sincerely Russ R I just hope it gets the right response this time!

I was also wondering if I could charge them £25 for each of the 5 letters I've sent them during this dispute. When I think of what it involves: Postage ......................................... .......... £1.00 20mile round trip to the P.O. @ 50p.ml ............. £10.00 My time for producing the letter and posting it. £14.00 I'm about to send my 6th letter so that amounts to another £150.00 They don't hesitate in charging us for their letters!

I was thinking along those lines with this letter. Re: Account number XXXXXXXX Response to settlement offer. Dear [named sender or Sirs] Thank you for your letter dated xx/xx/xx I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully

Hi all again. Getting closer. A cheque arrived today for half the amount I am claiming. Tempting..... But not good enough! It arrived with their letter saying that their position remains the same as before.......but they would like to resolve the matter without the disproportunate expense of court action........without admission of liability...this is a full and final settlement.... Along with the stating that if I still proceeded with court action they would claim against me for damages suffered as a result of my breach of contract running my accounts. I thought the charges were penalty enough and have been proven to be wrong. Surely they could take court action on any one that goes over their limit. I'll send my reply rejecting their offer and see what happens next.

*Whoops. Getting confused with the order I've done things in. It was the prelim letter I'd sent off earlier this week and got a reply to. I've written the LBA letter today, not expecting them to change their tune though.

In response to my LBA, Hilary McGuinness has replied with the standard 2 page letter, politely telling me to "Sod off" and "If you proceed to court action we'll lodge a counterclaim!" Court action here we come then!* Any other handy hints? Cheers all. * See below due to a senior moment!

AT LAST!!!!!!!!!!!!!! I've finally recieved the last of my statements and worked out how much they owe me, just under a thousand pounds. When I send in the claim, can I add on the DPA and postage fees? Letter being posted on Monday, recorded of course! Russ.

Can I quote you on that when I enlist with Al Anon? Seriously though, looking at what others on this site have been through, I'm ready for a long drawn out fight. I'm not going to let them get away with this attitude! Once they see how much support we get on here, they'll cave in once they've lost a few cases....(I hope!!!) Is there a way of letting them know that we are all in this together. United we stand and all that?

Hi all. I've not heard anything since my reply, sent recorded 1st class 8 days ago. They are now well over their 40 days since my original request. What is my next step, 7 day warning of Non compliance letter 3? Thanks in advance.

Hi Caro and Blueskies. They are close to the 40 days now so I will reply as advised. Many thanks.