Yorkshire Bank sent me 7 years worth when I asked for 6. Have sent another more detailed SAR for further back and confirmation of how long they keep data for Jules

Good thinking bong , posting on there now Jules

Keep `em coming diddled

Hi BF Great news just what everyone has been waiting for Would it be possible for you to name the cases mentioned by Zoot for reading up on? Thanks Jules

I`ve only just stopped laughing at the sheer cheek of YB`s " Our Corporate Priciples " as listed on their website . If you are feeling down take a look at this its sure to bring a knowing smile to your face . Our Principles Seems someone somewhere is seriously misguided Jules

Well done BP you really deserve it And about bloody time!!!! See you soon Jules

Finally got round to listening to this Bazza , very concise , 99% understandable ( but I`m from Yorkshire and don`t understand you foreigners ) all the releveant info provided and keeps your attention throughout due to the music ( sound level a little lower next time ) Rated this 3/3 P.S. We are are still waiting for the next installment

Hi Photoman Just come across this thread via your signature , thanks Just tagging on , interesting read and an option for my next claim Jules

Hi Giz Interesting read , just tagged onto this one via http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts-3.html Considering this option on my next claim Thanks Jules

Hi Again Lizzy Just dicovered the direct number for "Little Miss Sunshine" so if you need to call her at anytime it is 0141 242 4496 .Thanks to debt_mountain for the number. Jules

Well done .........I am sure EVERYONE would love this number eh Caro;) I may just have to use that number in the near future , thanks DM

Does anyone(yoda) know how far back YB keep data for? Sending my SAR for pre 6 year claim Jules

Hi Again , Thanks for the comments re the chatroom help , glad to see you follwed my advice and started a thread .You will get a much broader range of help in here but dont be a stranger from chat either Jules

Hi Pat http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html Tried and tested Hope it helps Jules

Hi Bill Who would decide who could and could not have access to the type of areas you are suggesting? Jules

Hi Pat If cobblers have not asked for clarification or more information by means of a CPR 18 request then in my opinion I would leave your schedule of charges as you have submitted it. I would start entering the charge type onto your spreadsheet for your own use and also to save time if they do actualy request the clarification , you are already prepared . As hedgey and caz also suggested it may be a good idea to re-enter the information onto one of the spreadsheets in dellers link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html as the members etc on here are more familiar with these. Jules

Hi Bill I think there are already enclosed areas for discussion within the site and as a security measure we as members ( and potentially the banks spy`s) are quite rightly unable to access these areas. I have worked on many forums before and there are always `privelidged` areas only accessible by admins and authorised users , I have no doubt whatsoever that these areas exist within CAG and for very good reasons. As for any summaries and progress being openly issued from time to time , I would assume that would be the `Announcements` or `stickys` found at the top of each forum. I have every confidence that the team are constantly debating , adapting and campaigning.Obviously the Whistleblower programme will have been under construction long before we heard anything and quite rightly these plans will have been held `off forum` I think how the site is structured undoubtably has flaws , nothing in life is perfect , but as the membership no.s and successes show (and that does not include the ones who never post through fear of `spies`) the site is working pretty well. Just my twopenneth;) Jules

Unable to post on the locked thread http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html I feel I must show my appreciation to it all of the CAG team and a certain member featured on the Whistleblower programme . Many members of the site do not appreciate the work that goes on in CAG and are quick to criticise if a post goes unanswered or a matter is not dealt with swiftly . I thank Bankfodder for posting this information and keeping us all informed as much as he can , I only hope this quenches some of the `doubters` sometimes derisory comments I am sure Bankfodder , Dave and the team would appreciate any positive words on this thread from other members willing to show their appreciation One day we may finally get the beggars;) Jules

Hi Jonni/Bill This member has asked the same question else where and has already been replied to/helped. http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/74431-adding-interest.html sorry looks like you beat me to it jonni

Hmmm MFL?

Hi Mat, A very strong and well presented piece , well done. HOWEVER, I am very sorry to say that I know a lot of people on this site myself being one of them , for who this may be a step too far in the glorification of getting the message across . Although I like the piece I do not feel it is appropriate to be accessible through CAG . I have talked to many people on here in the past who have contemplated suicide whether it be because of financial difficulty or otherwise , I have even been very close myself in the past. I feel I really must object to this being assosiated with CAG. I am sure everyone will disagree with me but , I have to air my own opinion as i STRONGLY OBJECT. I respect the fact that you have pre-warned people of the content but as in life , wherever it says `wet paint ` we still touch it Thanks Jules

Hi Achuaran, At this stage you should only be asking for the amount totalled for your charges if you are intending to ask for the stat 8%. The stat 8% should only be included when you have submitted a claim to the court . By all means mention the fact that if they decline to refund your charges before court action is taken , then you will be persuing the charges + 8% interest + costs. Also don`t forget to ask for your £10 SAR fee back within the Prelim , LBA and in fact any further refund request. If they ask for another £10 to process your Prelim letter please take a look at both of these threads (linked below)and make a post in there http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/74912-have-you-been-asked.html http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/75656-have-you-been-asked.html Good luck Jules

Hi Enron The OFT ruling actually states 1 EXECUTIVE SUMMARY Overview 1.1 This statement sets out the Office of Fair Trading's (OFT) view of the principles credit card1 issuers should follow in setting default charges in their standard contracts with consumers in order to meet the test of fairness set out in the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCRs). The principles have wider implications for analogous standard default terms in other agreements including those for mortgages, current bank accounts and storecards. 1.2 The statement stems from an OFT investigation into the fairness of standard terms in credit card contracts imposing charges for defaults, including failure to pay on the due date, exceeding a credit limit and failure to honour a payment made. It has been prepared in the light of discussions with eight leading credit card issuers and their legal advisers of a set of proposals from us, and with the Association for Payments and Clearing Services (APACS). It takes account of empirical information the credit card issuers have provided. It also takes account of the arguments they put forward, but it is a statement of the OFT's position and should not be taken as representing a consensus view. It is intended to set out a consistent basis on which we believe it is possible to calculate fair default charges for the purposes of the UTCCRs. 1.3 The statement sets our view of the law, which is in essence that default charge provisions are open to challenge on grounds of unfairness if they have the object of raising more in revenue than is reasonably expected to be necessary to recover certain limited administrative costs incurred by the credit card issuer. It goes on to explain how we think the relevant legal principles apply in practice to credit card agreements. The statement is intended to provide guidance for financial institutions setting default charges. Office of Fair Trading 1 1 For this purpose references to 'credit cards' do not include 'store cards'. But this does not mean that GE money have not profited from a penalty charge so therefore it is my understanding that the charge is unlawful. The best way to resolve this is by first contacting the card company and asking for a refund of the charge , sometimes with one of charges like this it only takes a civil ( not irate) phonecall. Jules

Hi Paddy This is a delaying tactic used by many banks Stick to your timetable and please start a thread to help you here http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=10 It is very important to keep any questions or progress in a thread so more people can advise / help you along the way Good luck Jules