Thread: Madjj111 v First Trust Bank Northern Ireland...sucess!

Hi guys, i have tried to reclaim charges from FTB - my claim is in from just before the OFT case show it has been on hold, like most of yours for quite a while. The claim was for about 6,000. I completed a special hardship questionaiire sent to me by the bank, they sent it to me because i started a new claim for £700 and told them i was desperate. They have told me the from Nov 2000 to Nov 2008 i have been charded £5400 in charges, the have just made me an offer for 2200 saying that although the deem the charges to be fair, an overdraft should have been in place, ive accepted the offer, in todays climate who can risk refusing £2000. Any suggestions on how to get the rest? I open to all sorts of advice but not going to take any action until i get to offer. :twisted:

The questionairre was an expenditure form to ascertain my finanacial status - basically asking whats comin in to the household and whats going out. Bank Fodder - i have accepted the payment and waiting for it to be processed now. I just asking if anyone has accepted the partial settlement and then got the rest afterwards? Tnanks for your help

ok, i got 40% of the fees (donation to CAG sent - thanks thus for, i would never have anything about this only for this site and the great people within it giving advice) , my original claim included the interest, now that i have got something out of them, anyone any ideas how to word the next request thanking for the partial settlement and asking for the rest including interest? i would like to word it in a way that i assumed the first payment was partial settlement.

Keep at it you guys, hopefully you get as lucky as i did

No reply from bank as of yet, received a letter from FO advising about the off er of £2200 offer and asking if i accepted the offer as Full and final. I advised them that i had since written to the bank advising that the fsa waiver states that they cannot give partial offers as full and final settlement and that i still wanted the rest including the interest.

My original claim is with the FO (case pending) since the OFT case, just like many of your cases so i think thats why the FO wrote to me so they could close there case, so therefore my case is still running with them.

hi guys,

got a reply from FO, the say that the banks offer is in line with correct procedures and that i have misunderstood. The offer is in relation to the special hardship complaint that i made so my original request including interest still stands and they will advise the bank to keep record of my original complaint awaiting the results from the OFT case.

Great news for us all I think as they have given me a partial offer indicating that they are gettin ready to pay us all out!!!!

GOOD LUCK TO YOU ALL, FINGERS CROSSED