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Yorkshire bank credit card

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  • #16
    From what i can see the last payment was in 2007 so not sure if the balance was cleared or not, i'm trying to claim back charges and interest from them.

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    • #17
      They rejected my claim on the basis that too much time had passed and wouldn't entertain the idea, is it still possible to get them to even though it's been so long?

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      • #18
        Originally posted by Daz_Easty View Post
        They rejected my claim on the basis that too much time had passed and wouldn't entertain the idea, is it still possible to get them to even though it's been so long?

        If they rejected your claim for being time barred (in their view) then you can escalate your complaint to the FOS who may take a different view. They may not, but it's free to use and the bank will have to pay around £550 for the investigation even if your complaint isn't upheld.

        What I'm trying to help you establish is whether the 'remnants' of this debt still exist if there was an outstanding balance when you stopped paying Yorkshire Bank. And if so is there a remote possibility that you may have paid any subsequent owner or acknowledged the debt within the last six years enabling them to chase you now if they become aware of your existence.

        You've found a letter from Brunswick Collections which was a Debt Collection Agency acting on behalf of the bank, not a debt purchaser.

        If the debt was subsequently assigned/sold the details of the transaction should be somewhere in your SAR.

        Di
        I don't give advice, I share wisdom. Whenever the chips are down there's always a Plan B

        I'm a fully qualified mother which is the hardest exam I've ever sat. I have other more formal qualifications which are less important


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #19
          There's nothing to say so just a list of transactions made on the account and payments up to 2005.

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          • #20
            Originally posted by Daz_Easty View Post
            There's nothing to say so just a list of transactions made on the account and payments up to 2005.

            So does the last transaction show a positive balance or a negative balance in 2005?

            It was so long ago it's possible that they've not retained the data which could be one reason why they are not entertaining your complaint.

            Di
            I don't give advice, I share wisdom. Whenever the chips are down there's always a Plan B

            I'm a fully qualified mother which is the hardest exam I've ever sat. I have other more formal qualifications which are less important


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #21
              It was a negative as i still owed and was paying in installments, anyway i've put in a complaint to the FoS so see if i get any joy from them

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              • #22
                Originally posted by Daz_Easty View Post
                i've put in a complaint to the FoS so see if i get any joy from them

                Good!

                Di
                I don't give advice, I share wisdom. Whenever the chips are down there's always a Plan B

                I'm a fully qualified mother which is the hardest exam I've ever sat. I have other more formal qualifications which are less important


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

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