Swiftone Vs Yorkshire Bank

[swiftone]

Hi to everyone

 

This is my first posting to the site so I'm feeling a bit nervous

 

I have just received a reply from the bank detailing a long list of the terms and conditions of the account and stating that the charges were applied in accordance with the terms and conditions and that they are not prepared to refund the charges on my account. They also enclosed a copy of the internal Complaint Handling Procedure.

 

Is this standard practice? Do I still send the LBA?

 

Please help, thank you

[sajabu2003]

I'm assuming that you've received all your statements and sent off the prelim letter asking for your charges back?. If that's the case then once the 14 days have passed you need to send the L.B.A.

 

Sarah.

[soniceffect]

Would actually say there's now no longer a need to await the 14 days as they have stated that they will not refund the unfair penalty charges. This is standard pratice btw yes and expect nothing less ... Have a good read through the 'step by step' in the FAQ's as this will clarify quite a few things, and then read as much as possible. I did this and it helps a lot (hence the more reading than posting lol)

[swiftone]

Thanks to you both for your replies

 

Yes have statements and sent prelim letter. I will now do my LBA and send off.....look out bank here I come.

 

Off to find FAQ's.....must be half asleep couldn't find them lol

[swiftone]

Just doing LBA but need some advice as the first line refers to no reply from the bank when in actual fact they did reply. Should I delete the first line?

[soniceffect]

Rather than delete the line, I would amend to say something along the lines of there being no satisfactory reply.

 

eg.

 

" I am very disappointed that you have failed to respond positively to my letter of the [XXDATEXX]."

[swiftone]

Thanks for the advice, will amend as suggested and send tomorrow

[swiftone]

Just looking at the N1 claim form in advance . I have two accounts that I am claiming for and wanted to check that I should enter the details of both accounts on the same claim form, don't want to mess up.

[swiftone]

Help please. I have received a letter from Jeremy Sutcliffe & Co Solicitors on behalf of Yorkshire Bank. The letter states that

 

"the bank is prepared to make an ex-gratia payment to you (although it does not admit liability) in the sum of £200 in full and final settlement of your claim.

 

We enclose a form of acceptance which you should return to us within 10 working days after which this offer will lapse"

 

As I have been away, the 10 days has already lapsed; not that I would have acepted

 

Which rejection letter should? Who should I send it to and what should I do next? Any help will be appreciated

[masontak]

HelloIn response to your query about 2 accounts on the N1, I have just been through this myself. I am new to all this too, but I think I am safe in saying that if you want to have a look at my thread:New claimant - YB, you will see from #11 onwards that I was asking the same question as you and I got some much needed and very good advice. The charges on both my accounts amounted to less than £5000.Regarding your last post, I'm not really clued up enough yet to answer that, but good luck.

[swiftone]

Thanks for your reply. What a coincidence, I had just been reading your thread and the advice that you were given. Good luck with your claim.

[Bigmac versus]

Hi swiftone the problem may arise when you need some help and your history of the claim is missing.

How far down the legal road are you and when are you due in court?

How much is the total of the claim?

Are you claiming interest and if so what rate?

[swiftone]

Hi, apologies. I have sent the LBA and have now received the response from the solicitors and am unsure which rejection letter I should use and who I should send the reply to.

[Bigmac versus]

So you havent started any legal action yet?

[swiftone]

Hi, no not yet.

 

I think that I may need to send a rejection letter to the solicitor (as this is who the letter came from) but am not sure which one to send, is it number 3 and is the form of acceptance classed as a condition?. If I send the rejection letter when do I need to complete the N1 form for court action?

[Bigmac versus]

As they have not offered the full amount start your N1

 

Be back in a tick, check letters

[Bigmac versus]

Yip letter 3

[swiftone]

Hi Bigmac. Thanks for your help I really appreciate it, don't want to mess things up . Is the date in the rejection letter the date that I actually send the N1 off to the courts?

[Bigmac versus]

In the bit below put a date you intend to start legal action.

 

That date will depend on your lba, if it still has time left on it (14+2 days) even though they have made an offer make sure the date is after this time runs out.

 

 

I shall be commencing court action on XX/XX/XXXX for the full amount claimed.

[swiftone]

Hi thanks again. LBA date has expired and I now know what I will be doing tomorrow night Letter and N1 here I come

[Bigmac versus]

Excellant i will keep an eye on your progress.

[swiftone]

Recently sent rejection letter to offer by banks solicitors and have received this today from the bank; anybody else had one of these?

 

Re: Charges Claim

 

Thank you for your most recent communication which has been passed to this department for further consideration.

 

We note that, on this occasion you have declined to accept the Banks offer of an ex gratia payment in full and final settlement of your claim.

 

In the case of your claim, we can confirm that we have reopened our enquiries. We are currently conducting an in depth analysis of the conduct of your account. Please be assured that careful consideration is being given to all the facts and every efort is being made to resolve this matter at the earliest opportunity. We will advise you of the outcome as soon as our investigation is concluded.

 

In the meantime, we thank you for your patience in this matter and will contact you as soon as our investigations are complete.

 

Any one else had one of these? Any thoughts?

[Bigmac versus]

Well settlement or court their choice.

They say thank you for your patience and they will contact you as soon as their investigations are complete.

So what have they done before now?

These are standard letters.

Hopefully they will settle sooner rather than later.

[swiftone]

Thanks Bigmac. Fingers crossed they will settle. The forms have gone off to the county court.....roll on the next stage; thanks for your help. Off to read what to do next

[swiftone]

Notice of issue received today, oh my god, how scary.....it now seems very real :o Roll on the 10th of August.