Yorkshire Bank

Marosi123

I used to bank with YB through the B Banking App which I switched to last year. I have recently switched to another bank as YB was a really poor bank for customer service and always had issues logging in online etc etc.


Basically what happened is I paid a cheque into my account which was a refund from a service given to myself from my wedding and as they didn't have the necessary funds it wasn't credited to myself.


A few days later YB have physically taken the money from my bank account which is in 3 figures and are now saying that they have followed procedure and are refusing to give me my money back.


Has anyone else had this or anyone who works for a bank on here know if this is correct procedure as from my perspective they have just taken money from myself for no apparent reason.


Could anyone advise please?

veryintrigued

Haven't they just bounced the cheque rather than 'physically taken money from your account'?

What have the (lack of) service providers said about the situation?

Marosi123

Thanks for your reply I appreciate it... I have just become a Dad so of course it is a big deal with the additional expense which adds up to over £300.


There was no charge for the bounced cheque they have physically taken the X amount of money from myself and from speaking to 2 customer service advisors and from them liaising with 2 managers that they don't have to give me the money back. Who I was speaking even said the money has actually gone to "YORKSHIRE BANK" from my funds basically.


One said because "they have to get the money back from somewhere so in this case their customer" and are saying that I should go to the person who gave us the cheque to give us they money even though we have now sorted that issue out by other means.


They advised it would be best going into my local branch which is about 10 miles which isn't a big deal but basically I have got to travel to ask for my money back which for no reason they have taken and didn't even notify me either.

Nebulous2

It's not at all clear what happened. Which bank did you pay the cheque into? Yorkshire?

Were you credited with the money and then the cheque bounced, so Yorkshire deducted the money from your account? If so that's what I would expect to happen.

Marosi123

Nebulous2 wrote: »

It's not at all clear what happened. Which bank did you pay the cheque into? Yorkshire?

Were you credited with the money and then the cheque bounced, so Yorkshire deducted the money from your account? If so that's what I would expect to happen.

I paid the cheque into my old Yorkshire Bank account which showed on my account but then it wasn't credited for reason possibly the other person didn't have the required funds.


It is showing 2 separate occurrences that they have taken the money from my account on 2 different instances.


They then deducted the money again after taking it away from my account after it had bounced so basically charging me the money because the cheque didn't clear.



To conclude basically I tried to pay a cheque in, I didn't clear but then YB have taken over £300 out of my account after taking it back from me if that makes sense.

If that makes sense?

soulsaver

No --- here's a guess:
paid in a cheque at YB...
..during switching the account.
The cheque bounced showing a debit on my new account.
YB took back the money from my new bank showing another debit.
So (looks like) debited twice? Plus fees from both banks?

Marosi123

soulsaver wrote: »

No --- here's a guess:
paid in a cheque at YB...
..during switching the account.
The cheque bounced showing a debit on my new account.
YB took back the money from my new bank showing another debit.
So (looks like) debited twice? Plus fees from both banks?

No sorry, when this occurred I wasn't in the middle of switching my bank or anything it is 100% irrelevant from any bank switch.


The money was taken solely when I was with Yorkshire Bank and taken off me and there was no cross over in terms of switching banks.


They have more a less taken money and not even notified me... I have spoken to a financial advisor and could be classed as fraudulent transaction.




No fee was charged for it not being processed. They have simply taken the money from my account because it didn't process and has left me short of the total amount of the cheque (not to be confused with it being debited from my account when it hasn't cleared but another transaction after that).


I just want to get to the bottom of it in all honesty.

northwalesd

Sorry OP, it still isn't clear - in some of your posts you appear to be saying that the money was credited and then debited again. In other posts you appear to be saying it was debited twice.

So, if (as an example) you had £1000 in your account and deposited a cheque for £300, would you have ended up with £1000 or £700 in your account?

Nebulous2

Sorry - this still isn't getting through. You're clearly upset, but adding in things like fraudulent transactions doesn't help, it just adds to the confusion. Try giving us a timeline, with dates, balances.
For example - made up figures

1. You paid in a cheque for £100 balance £100
2. You withdraw the £100
3. The cheque doesn't clear -
4. bank debits the uncleared £100 leaving you £100 overdrawn.

What was the gap between 1 and 4? Money from cheques may be available before they are cleared but that is at your risk. The bank is within their rights to remove the credit if it doesn't clear.

Was there a 5 where they deducted it a second time? They shouldn't be able to do that and that would be a mistake you should pursue with a complaint.

colsten

OP, it's totally unclear what happened in your case. ANy chance you can post the details in the following tabular form:

Date Activity Amount In/Out


Also, you may find the UK paper cheque processing overview of interest: https://www.chequeandcredit.co.uk/cheque-clearers/cheque-clearing/paper-cheque-processing-overview

Marosi123

Nebulous2 wrote: »

Sorry - this still isn't getting through. You're clearly upset, but adding in things like fraudulent transactions doesn't help, it just adds to the confusion. Try giving us a timeline, with dates, balances.
For example - made up figures

1. You paid in a cheque for £100 balance £100
2. You withdraw the £100
3. The cheque doesn't clear -
4. bank debits the uncleared £100 leaving you £100 overdrawn.

What was the gap between 1 and 4? Money from cheques may be available before they are cleared but that is at your risk. The bank is within their rights to remove the credit if it doesn't clear. I had other money in my account and it just reverted back to my normal balance

Was there a 5 where they deducted it a second time? They shouldn't be able to do that and that would be a mistake you should pursue with a complaint. There was a 5 day gap where they have deducted it from my account for a second time that's correct

Sorry i will simplify it now i can see it is probably getting confusing for you all!


1) I paid in a cheque for £310 which makes the balance £310 (it was higher than that but i'll not confuse anyone)


2) The cheque did not clear and it now shows as £310 debited from my account and I am not in receipt of any money


3) 5 days later Yorkshire Bank have debited my account again for £310 which isn't anything to do with the cheque.



4) This has now left me £310 deficit to my funds for which Yorkshire Bank say they are entitled to take this and are refusing to give me this back.



I really appreciate everyone's help with this.