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Swag Bag v Yorkshire bank.


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Hello guys,

Today i handed in my first letter (Data Protection Act 1998 Subject Access Request ) to Yorkshire bank asking them for a complete list of transactions and charges for the previous six years..

 

Along with it i sent a cheque for £10 so as not to hold proceedings up.

 

I believe i now give them 40 calender days to return a list of charges aplied to my account in that period of time.

 

Attatched to my letter and envelope was a consumer action group label, just to show them i mean business. :)

 

 

When i win this battle i WILL be making a donation to this site, because i wouldn`t have known where to start without all the information available on here..

 

Having said that i`m sure i will need help on the way when Yorkshire bank start putting obsticles in front of me.....

 

Shall speak again when i get a reply from them ......Swag Bag

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Hi Swag Bag,

I posted my first letter to Yorkshire Bank on the 03.01.07 requesting 6 years bank statements. Not heard anything as yet but I will not be put off - they closed my current account Dec 05 but I still have a loan with them. I reckon they owe me around £3k and I intend to get every penny back as they made my life hell with their charges on top of charges.

Will keep you posted on how I get on, we could help each other on this one.

Regards, Chrissy

Chris :cool:

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Hiya Moss, Thanks for the wellcome...

 

Hiya Chrissy.... Looks like we both set off at the same time, `regarding claiming excessive charges back .`

 

It will be interesting to see how we progress. I can only guess at what charges have been aplied to my account but would guess that i`m chasing about half the amount that you are.

 

I can`t see much happening for a few weeks but you never no. After all they have almost six weeks in which to respond.

 

Hope you sent them a £10 cheque to cover the costs of your `list of transactions `. From some of the other threads i`ve read, the Yorkshire bank arn`t the easiest to deal with and will stall over the slightest thing...

 

I visit this site daily now so will keep you up to speed should any progress be made................Regards...... Swag Bag

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Hi Swag Bag,

Yes, I did send the £10 cheque/fee for the bank statements and when I checked my bank account yesterday it had just been cashed. It looks like I should have my statements soon, hopefully!?

Have also been logging into MSE and it does appear that there are not a lot of people who have taken on YB so far and yes they do appear to stall quite a lot. Will keep you posted.

Regards, Chrissy

Chris :cool:

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Hiya

 

I posted my request for statements and £10 on the 6th december, the cheque was cashed straight away and a letter sent acknowledging my request.

 

As yet no statements and they have until this tuesday to comply..

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Hi Chrissy. It makes it easier for everyone involved [yourself, the OP and anyone who offers advice] if you start your own thread and post your details there. [You can always post a link in Swags thread, if he doesn't mind of course, so that you can keep an eye on each others progress]

 

PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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Hiya..

 

Of course i don`t mind Chrissy posting on this thread ( no problem ).

 

Anyone who can give advice, and i`m sure i`ll need it later on are more than wellcome..

 

Hi pjdudley :) ............Regards......Swag Bag

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Hiya all,

 

Has been four days since i handed in my `Data Subject Access Request ` letter to my local branch, asking for statements for the last six years.

 

Hey presto, this morning their first correspondence has just arrived from :-

 

Advice Quality unit-Charges Section ( Leeds )

....Must be head office ?

 

(1) Letter......basically confirms they ARE able to provide me with requested statements.

 

(2) That they have noted my sending of the £10 fee....

 

(3) They out line that they have 40 days which to provide the statements within the terms of the act, but will forward information as soon as possible.

 

...and i think i`ve received the standard reply regarding the request for information refering to manual intervention.....this being :-...

 

(4) " with regards to your request for information relating to manual intervention on your account,there is no specific mention of manual intervention witin the Data Protection Act and as such we are under no statuary obligation to record or provide this information. "

 

A fairly standard letter i believe but very swift...

 

So do i now wait until the statements drop through the post, tally up the charges then send the total back in a PRELIM LETTER ?

 

Also when my prelim letter is sent, should i address it to my local branch or from where i received my last reply `Advice Quality Services-Charges Section ` Leeds.

 

....Thanks in advance.......Swag Bag...:)

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So do i now wait until the statements drop through the post, tally up the charges then send the total back in a PRELIM LETTER ?

Yes

For your schedule of charges use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

and guide here:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

 

Also when my prelim letter is sent, should i address to my branch or from where i received my last reply `Advice Quality Services-Charges Section ` Leeds.

Leeds
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Hi Swag Bag,

Like yourself received letter from YB today confirming receipt of my letter requesting details etc. They also confirmed receipt of the £10. What area are you in as I notice yours is from Leeds as well as mine?

Have a look at my letter in my thread I think it is the same as yours.

Chrissy

Chris :cool:

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  • 1 month later...

Hi Chrissy,

Recieved nothing as yet, hoping the next few days will see my statements arrive as Yorkshire bank seem to drag it out the whole 40, shall keep you posted.....

 

Hows the adding up of the charges going along,i s it easy to sort out ?

Are you claiming back more than you thought.?.....:)

................Good luck ...Swag

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Hello everyone,

 

Yes Chrissy my statements thundered there way onto to the door mat Saturday morning...

 

A question for the more expereanced amongst us......

 

My charges tot upto to just over £1350, this is made up from the following

 

1). Charges

2). Debit interest

3). Unauthorised O/D

4). Un paid D/D

 

Am i right in thinking that all four of these charges can be claimed back ?

 

Just to clarify if you would, my next move is to send the prelim letter .....along with a schedule of the charges, in the form of a spread sheet minus the 8%.

 

They then have 14 days to reply before the next stage begins ?

 

Have i got this correct or missed any thing out.....

 

 

..........................Thanks for any help.....Swag Bag....

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Sorry to be a pest, but just wondering if i have got things right up to press ( see above post ).

My letter and spread sheet is all done and ready to post, i would just like some reasurance that i`m going about this correctly..

 

I would hate to make a mistake and cock it up:o

 

Thanks.....Swag Bag....

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Hi All,

Am now at same stage as you Swagbag, have done a quick (?) calculation and my charges total £4557.02!!!!:eek:

Will now have to sit down and input into spreadsheet, so it could be a long night.

Also just to clarify - is it okay to reclaim such items as Debit Under Advice, Direct Debit Returned and Unpaid Cheque? If anyone out there could advise that would be great. Apologises for butting in on your thread Swag Bag.

And...rest assured folks if I get a result there will be a payment to this fantastic site made in return for all help and advice given. That also goes for the other charges I am claiming back.

Many thanks, Chrissy

Chris :cool:

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Swag Bag you are correct with your above post, claim all charges, send prelim letter and spread sheet with no interest. Then they have 14 days which you gave them in the letter, they usually reply quite quickly, then it's LBA

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Hi Swag Bag,

I finally managed to use the spreadsheet on this site - just use the simple excel one - it took me a while and needed to check lots of threads on this site but finally managed it! Check out maisielou v Barclays, 16#permalink by Bovvered on the 12/05/06.

I'm just wondering now where I send the prelim letter to as my account is closed. If anyone out there can help it would be appreciated.

Regards, Chrissy

Chris :cool:

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  • 2 weeks later...

Hi all...

 

Received fob off letter with a list of fob off reasons they won`t pay my charges back, accompanied with a complaints procedure letter. :x

 

So i sent my own fob off letter in the form of a LBA, along with another spread sheet of charges i`m claiming back. Hope to hear from them within 14 days... :-)

 

Regards ............Swag Bag..

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Hi Swag Bag,

Have you had a reply as yet? I received one today - check on my site. Appears to be a typical stalling/delaying tactic letter to me. You will probably receive the exact same in a day or so.

Regards, Chrissy

Chris :cool:

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