Yorkshire Bank

julia22

I have gone through all the stages and got my final responce which is

"you have sought to rely on the following legislation as abasis to your claim
1 section 4 of UCTA
2 para8 and schedual 2 of unfair terms and & Consumer contracts regs
3 section 15 of SGSA

then it goes on to explain why you can not claim under each of these
Example
"you deal with the bank in course of your business. therefore you can not rely on section 4 UCTA

Can anyone help with this
i dont know if they are just trying to put me off the court side or if it is right what they are saying

jackojacko46

I recently sent Yorkshire Bank my letter detailing all of my charges and asking for them back. i have just received a reply stating that due to the banks terms and conditions, I am wrong and am not entitled to anything. Is this just scare tactics and should i carry on with a letter threatening court action?
Thanks

Beate

Scare tactics, as you assumed correctly. Carry on as normal.

BEAUCHAMP_3

Certainly scare tactics, Abbey and LLoyds TSB are doing the exact same thing.

Send your next letter and stick to the timescale.

Good Luck!!!!:D

jackojacko46

Thanks guys. Thats exactly what I wanted to hear

LongStreak_2

Im currently going through my statements from Yorkshire Bank so its early days yet but ive got a question thats been playing on my mind and would like some help if possible.
Ive got the general jist that bank charges could be unlawfull if there applied as penalties that are not in line with the banks costs for looking after my account.
What bothers me is if that YB come back and say that they are not penalty charges but service fees what evidence can I produce to counter this bearing in mind I cant get hold of any terms and condtions past or present.

LozBingley

LongStreak wrote: »

Im currently going through my statements from Yorkshire Bank so its early days yet but ive got a question thats been playing on my mind and would like some help if possible.
Ive got the general jist that bank charges could be unlawfull if there applied as penalties that are not in line with the banks costs for looking after my account.
What bothers me is if that YB come back and say that they are not penalty charges but service fees what evidence can I produce to counter this bearing in mind I cant get hold of any terms and condtions past or present.

They are bound to defend and say they are not penalties but they will be unwilling to stand up in a court of law and defend it!

A Service Charge generally means you benefit from something and they'd also be hard pushed to say that the charges benefited you!

The terms and conditions of 6 years ago don't really look much different to what they are today (look on your banks website to find current T&Cs) but there is an archive website that someone pointed me to where I did manage to find the published T&Cs of 6 years ago for my bank (amazing what some people copy & keep ) if you're really desperate I'll dig them out but there is no mention of the 'P' word.

Twinkly

LongStreak wrote: »

Im currently going through my statements from Yorkshire Bank so its early days yet but ive got a question thats been playing on my mind and would like some help if possible.
Ive got the general jist that bank charges could be unlawfull if there applied as penalties that are not in line with the banks costs for looking after my account.
What bothers me is if that YB come back and say that they are not penalty charges but service fees what evidence can I produce to counter this bearing in mind I cant get hold of any terms and condtions past or present.

The Wayback Machine may be able to help you.
Archived Yorkshire Bank

If you fancy a trawl through that lot you may find the T & C's that will help you if you need them. Bear in mind you probably wont though before you give yourself a migraine looking for them.

breezyd2

Ive just recieved the defence notes from the Yorkshire bank and havent got a clue what i need to do with them...its all mumbo jumbo to me..
The only thing i understand is they say I havent included account details in my claim...which as i used the template from here i dont see how they cant know it all (it is their own account numbers from their own bank, which ive detailed on numerous letters to them..!)
Please please please what do i do to reply to this as i have until 12th july (this may seem a long time but im out of the country from saturday).
Help!

kebabhouse

Hi, I've just received a letter sayind Yorkshire Bank are defending their case at Northampton. Will I have to attend and am confused - if I go to court do I say I knowing went over my overdraft limit? Also what papers do I take to court if it goes that far?