Of course you can say what you want, it's how you say it though. OK. I'm sure you meant this as a joke, but you didn't actually write it that way. You put: To me it comes across as a bit of an insult, especially with the word [edit] inserted at the end. :o Please stick a or a smiley on it if it's meant as a joke, that's what they're for.

Was that necessary? Actually Yorkshire Bank is owned by an Australian banking group. And as a Yorkshireman who is definitely not tight fisted I find your comment both unnecessary and offensive. Yorkshire people are both genuine and generous and if you take the trouble to get to know a few you'd find this out for yourself. Funnily enough Scots people are not tight fisted either, and nor are the Irish thick, or the Welsh thieves.

There's a button in the bottom right hand corner of each posting box, it says 'Quote'. You're probably using the 'Add Reply' button at the bottom left of the page instead, this doesn't quote the previous post you're replying to.

This is what they want you to believe, remember that the banks have been running the show since day one, and they're still behaving as if the customer is wrong and they are right. Funny that, because most decent businesses behave in a completely different fashion. Yes, you are responsible for running your account, but they also have to play fair too. To charge you £35.00 for a DD bouncing is unfair as this actually costs them less than £1.00 as their system is almost fully automated. No-one actually looked at your account and hand wrote a letter to you every time a DD bounced. The main 4 banks make about 3 billion pounds a year from overcharging their customers in this way. Yes, 3 billion pounds! Disgusting isn't it, to make such a huge amount from customers mistakes? In October last year, the Office of Fair Trading said that even with manual intervention they couldn't see any way that it could cost more than £12.00 for a charge like this. Some banks have reduced their charges accordingly, but since the system is almost £100% automatic, they're still ripping off their customers at £12.00. :o And YB are still charging £35.00 each time! So they're ignoring the OFT. Follow the advice in these threads and the FAQ's and they will have to give you back your money that they took out of your account unfairly. Ask for help and you will get it here, we're all in the same boat and there's always someone who will help you out here. Isn't it nice to know that someone will help you get your money back?

If it did turn out to be Laurel and Hardy, I bet they'd be saying: "Well that's another fine mess we've gotten ourselves into"! Sorry, couldn't resist.

Yeah, I'm really sorry, I just need to get it off my chest somewhere, my partner Helen looks weary every time I start 'going off on one' about the bank. I just go AAAAARRRggggHHHHH!!! sometimes. I feel... Well you know how I feel, you all know. Soon. Very soon. You know what will give me more pleasure than getting my money back from YB? Making a donation of 5% of it to this wonderful website and forum. That's absolutely guaranteed.

Playground? That's the basis of their whole credit scoring system. "Miss, Miss, he went overdrawn so I'm going to tell on him so he can't get any credit anywhere. So Ner"! It's quite pathetic. Whatever happened to having bank staff you could really talk to? They've replaced them with automatons who are unable to make a decision for themselves, and who supplement their wages by selling you an insurance policy you don't need.. I've been with YB since 1975 and it counts for nothing.

They do it because they can. For them, it's all about control. This is the basis of how they operate, how they treat their customers, banks are not run on a mutual basis, they are in it for the money and nothing else. Of course they haven't yet worked out that the longer they stall, the more interest they owe. You'd think that a bank would know that? Maybe they really do think they can win? Headless chickens.

Well, I was in a good mood this morning until I read this, now I'm in a very good mood! I find this sort of thing very uplifting. Before I came here, I used to find banks intimidating, now I question everything they do. And with good reason because they are at best incompetent. At worst, maliciously devious. Talk about feeling empowered!

I'd wait for them to fail before contacting the information commissioner. Mine came after 18 days anyway. I think Yorkshire Bank is the same as Clydesdale bank in this. The seem to be getting their act together with regard to this part of the process. It's not in their interest to stall with the DPA as they've been reported a few times now. Later on of course, they are stalling big time. Some of the legalese they are coming up with beggars belief.

Yorkshire bank bounce the DD and fine you as soon as it goes 1 second past midnight on the day your DD comes out. Lloyds TSB allow you until the end of that working day to get your money in before they bounce your DD. Some banks are [edit] about this, and some behave a bit better with their customers. Yorkshire bank also take your money out on midnight Friday for DD's coming out on Monday. They say it's so you can't accidentally take the money out by mistake and go overdrawn. The [edit] [MODERATED: Please do not post libelous comments on this site]

Go into 'User CP'. it's on the blue bar at the top of the forum. You'll see 'edit signature' under Control panel setting and options on the left under the blue bar. Click on 'edit signature' and type whatever you want. You can have different fonts and colours if you like, you can even add hyperlinks. Don't forget to use the preview feature, and have a play around with it until you get what you like. HTH. Andy.

My statements arrived after 18 days, so that's encouraging for you. They seem to be getting their act together regarding complying with the DPA stuff, but the later stages are all still a bit of a hard slog it seems. I reckon it looks like they don't really know what to do, so they're delaying as much as possible in order to see if anyone falls by the wayside. We'll all be calling their bluff then.

Hi Everyone. I'd like to add this paragraph to my preliminary letter but wanted to ask what people thought first? "Furthermore I note that the £50.00 overdraft limit to my current account no. XXXXXXXXXX was apparently removed without notice to myself, in October 2004 and you then proceeded to charge me for going over a zero balance on four occasions since then. On one of these occasions you charged me what appears to be an arbritrary figure of £20.00 monthly charges for going overdrawn by the sum of 75 pence, which I find to be outrageous". I've tried to find a reason that they might have removed the overdraft limit but am completely stumped. One one occasion only, prior to the removal of the £50.00 overdraft limit, I went over this limit with a total debit balance of £50.98. Surely this wouldn't have prompted them to remove a £50.00 overdraft limit? And there's also the matter of not notifiying me of this at all. I'm really puzzled and angry about that. :? Andy.

Bullies and Cash Cows. Like it, nice analogy.