Richie v Yorkshire Bank

[Bigmac versus]

weewizard 69 send them the non-compliance letter giving a week to supply or you will take them to court.

Template 3

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

[weewizard69]

Update:

Got my statements a couple of days after they sent me the last letter. However they have not sent all of them yet as after 2005 they are produced from a different system.

Not sure how long this will take.

However the ones I have got I have counted approx £2400, pretty good.

On my statements well some of them I have:

 

 

****************

ADVICE OF CHARGES

****************

CHARGES TO 30AUG

TO DR A/C ON 18SEP

CHARGES £25.00

DR INT £3.61

 

 

CAN I CLAIM FOR BOTH VALUES?

 

CHEERS

 

Richard

 

[weewizard69]

hiya, think we are at the same stage, just to let you know that 2 days after receiving the letter asking for more time to send out my statements, I got them!

 

Its just over £550 Im claiming, and just going to get my butt in gear and write the letter up.

 

Good luck!!

 

tia

 

Hi Tia yes we are at same stage, i guess we can work together etc as one receives info we can pass it on to the other etc.

 

If you get my drift LOL

 

Cheers

Richard

[Bigmac versus]

Hi Richard you can claim for what is a penalty, the interest you refer to can not be fully claimed unless fully responsible by the taking of penalty charges, if you have an overdraft then some of that interest will include part of the overdraft, there is a process for calculating this but be advised it is a complicated process and very time consuming, many claimants have ignored this as it usually dosent accumulate to much, hope this makes sense.

[weewizard69]

Hi Richard you can claim for what is a penalty, the interest you refer to can not be fully claimed unless fully responsible by the taking of penalty charges, if you have an overdraft then some of that interest will include part of the overdraft, there is a process for calculating this but be advised it is a complicated process and very time consuming, many claimants have ignored this as it usually dosent accumulate to much, hope this makes sense.

 

hey bigmac, thanks for that, i think i will just go for the normal charges. keep away from the overdraft ones as it all seems a little complicated.

 

cheers

 

BTW anyone know when i will receive the second batch of statements that come from a different system?

 

Cheers

Richard

[Bigmac versus]

Unsure, didnt they tell you?

If not phone them advising they have not complied with your DPA request and you are still counting which may result in further legal proceedings.

[weewizard69]

PLEASE HELP

I have only recived bank staments up to a certain date in 2005 and not untill the presant day.

 

Apparently they come from two different systems - Is this true?

 

Should I send of the non - compliance letter - template 2?

 

Cheers

Rich

 

[zootscoot]

Yes send template 2.

 

Have they supplied statements going back further than 6 years? If not request these as well.

 

Best of luck

 

Zoot

[weewizard69]

I have recived all my statements now. However:

 

After the whistleblower find on YB, should I still submit my list of charges the same way? using the spreadsheet etc?

 

Cheers

Richard

[weewizard69]

Just to confirm the charges I can Claim For:

 

UNPAID DD CHARGE

UNAUTH O/D FEE

CHARGES

DEBIT UNDER ADVICE

 

Is this correct?

 

Cheers

Richard

 

If so mt total for six years is:

 

£3,847.00

 

:o

[moss]

Just to confirm the charges I can Claim For:

 

UNPAID DD CHARGE

UNAUTH O/D FEE

CHARGES

DEBIT UNDER ADVICE

 

Is this correct?

 

Cheers

Richard

 

If so mt total for six years is:

 

£3,847.00

 

:o

 

 

Yes you can claim all the above, plus any O/D interest caused by the charges

[caro]

Do you have any charges going back more than 6 years?

[weewizard69]

Okay great.

 

Do I send the letter with the spreadsheet to:

 

Advice Quality Unit - Charges Section

Third Floor

Brunswick Point

Wade Lane

Leeds LS2 8NQ

 

This has been the address on the top of every letter I have received.

 

Cheers

Richard:p

[weewizard69]

Do you have any charges going back more than 6 years?

 

 

Hey Caro,

 

No I dont.....well I have had the account for approx 10 years but only have statements for six.

 

This will be enough for me to get a decent claim against them.

 

Cheers

Richard

[Gogivit]

The charges I am claiming for as follows:

 

UNPAID D/D CHARGE

UNPAID S/O CHARGE

UNAUTH O/D FEE

CHARGES

UNPAID CHQ CHG

(ADJUSTMENT ON ADVICE)

 

(ADJUSTMENT ON ADVICE) This is a strange one and what I recall happened was that my mortgage payment from YB TO THE Woolwich disapeared for 4 days (literally!) As I got penalised by both banks but neither could explain who had the money for the 4 days however they both agreed to charge me only half the penalty fee!:o So am now claiming it back

 

Hope the above helps you in understanding what to claim.

[moss]

I sent all correspondence to my branch and had the court papers served on them, since then iv' e dealt with Glasgow legal department.

[weewizard69]

Update:

Handed my charges summary £3,847.00 along with my letter to my local YB branch on Friday. They have 14 days in which to reply.

 

When do I count the 14 day from? The actual date I handed the letter in? Which was the 30-03-07.

 

Cheers Richard

 

[sajabu2003]

Yes the 14 days will start from when you handed in the letter.

 

Sarah.

[weewizard69]

What do I do now?

 

I have received a response from YB - the usaul rubbish:

 

"bla bla bla bla terms and conditions bla bla bla:

 

Taking all the above into account and having regard to the information that you have given, I am not prepared to refund the charges on your account."

 

 

What do I send next?

 

Cheers

Richard

[weewizard69]

Okay I see "Letter Before Action"

 

Do I have to put the overdraft charges on? Can I leave them of?

 

Cheers

Richard

[weewizard69]

Hi its me again.

 

Do I hand the LBA in at my local branch like I have the last two?

 

Which address should I put on the letter?

 

 

Cheers

Richard

[sajabu2003]

Hand the LBA to your local branch as before.

[weewizard69]

Okay I see "Letter Before Action"

 

Do I have to put the overdraft charges on? Can I leave them of?

 

Cheers

Richard

[weewizard69]

Hi Guys,

 

I have received my latest letter from YB, stating that they hope to resolve my complaint as quickly as possible, but they still havent admitted to unfair charges.

 

The heading on theletter says - re opening of complaint.

 

What shouild I do next?

 

The 14 days is up, however this letter was received within the 14 days (only just)

 

 

Cheers

Rich

[caro]

If that was the reply to your letter before action, then it's time to start the action that you stated in it. Check out the step by step instructions. It's all there for you.