Thread: Northern Ireland Citi claimants read in

hi everyone
tell me if im wrong but is there not a danger this could have repercussions for anyone in northern ireland claiming from any of the banks. bad news travels fast in this wee place and if we know about this then so do they.
regards john.

Originally Posted by johnspeehs

hi everyone
tell me if im wrong but is there not a danger this could have repercussions for anyone in northern ireland claiming from any of the banks. bad news travels fast in this wee place and if we know about this then so do they.
regards john.

no because there has been no settlement on bank charges and the £12 is not a cap but merely an amount the OFT feels acceptable anything over this they are prepared to get involved with the case. That does not make it right if when disclosed the charge is less than £12
if this has helped please click my scales

cheers

"1.elements of the NI judiciary have got it into their heads that £12 is fair and "recommended by the OFT ".This seems to be blithely accepted as gospel,despite the OFT report stating otherwise"

Typical of this embarrassingly deferencial wee country. So many peeps are far too willing to tug the forlock to anyone who gives the slightest impression of actually having some knowledge of what they're on about.

Including the judges, it seems.

Hi,
This is also my first post but I'm currently torturing the Ulster Bank for mostly irregular account fees of £12-15 over a 3 year period, will this affect my claim as Im about to claim on line when the deadline runs out in 7 days. Would love some advice and support at this time Im claiming £2200 including interest...

Hello, I have successfully challenged the banks for unfair bank charges and have been successful.The only problem now is the banks are trying to reclaim there money back by asking me to pay my overdraft back in full.giving me just one day to repay them and then taking me to court which they have just done. I now have 7 days to respond to the judgment and ask the court if I can pay so much per month until I have cleared my debt I don't a C.C.J.
As I am unemployed at present it is going to take sometime to repay I think they are well within the law what they are doing.
So be aware

Originally Posted by paul davenport

Hello, I have successfully challenged the banks for unfair bank charges and have been successful.The only problem now is the banks are trying to reclaim there money back by asking me to pay my overdraft back in full.giving me just one day to repay them and then taking me to court which they have just done. I now have 7 days to respond to the judgment and ask the court if I can pay so much per month until I have cleared my debt I don't a C.C.J.
As I am unemployed at present it is going to take sometime to repay I think they are well within the law what they are doing.
So be aware

Thats rubbish. Which bank?

So I could claim against Northern Bank using a relative's address in England AND claim up to £5,000 through the English small claims system thereby getting around the NI limit of £2,000???

Originally Posted by lickthewallfatboy

this is VERY important to people claiming in NI against CITI

1.elements of the NI judiciary have got it into their heads that £12 is fair and "recommended by the OFT ".This seems to be blithely accepted as gospel,despite the OFT report stating otherwise

2.Citi DO NOT have to give you prior notice of evidence they shall be depending upon in court

3.A judge is FULLY ENTITLED to accept "secret evidence" given in the form of undisclosed documents,and to accept the validity thereof without

any further investigation.


3.Points of law appealed using the Human Rights Legislation and Statute regarding overriding objective do not amount to anything in civil cases.

4.It may be prudent for anyone contemplating action against CITI in NI to either file an action via the English Courts using anyone whom you know who lives there and who will allow you to use their address for paperwork from the court,asking for full disclosure of how their charges are made up,or else take the ex gratia payment and leave it at that.


Learn from experience,take it on board and change tack.

SURELY THIS CASE HAS NOW BECOME CASE LAW IN THE UK
8)

If the Judge ruled in favour of the citi bank then this becomes case law which can be used by other banks anywhere in the uk

does anybody know this?

small claims court does not set case law precedent,and courts in the UK have already dismissed citi attempts to use this case as irrelevant....

As LTWFB has said- small claims courts cannot set a precedent.

(and of course Northern Ireland IS part of the UK)

So can we use the English small claims court to maximise our claim if we've got an appropriate address in England???

Yes

Even if its in Cheshire

Originally Posted by lickthewallfatboy

small claims court does not set case law precedent,and courts in the UK have already dismissed citi attempts to use this case as irrelevant....

Your point about secret evidence intriges me, I have a case against the bank and I have to submit documents in discovery prior to the case being listed in the high court. The bank have to do the same any documents not disclosed this way cannot be used in evidence?:-?

High court is a completely different animal to small claims court.....amonst other things,it entails full disclosure of all material evidence which both sides are relying on