Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Letter received today acknowledging receipt of claim and saying that they are investigating and that "they take complaints very seriously....." blah blah blah. They also say that I should hear from them within next 20 working days.......yeah right.
Also enclosed "Putting things right" leaflet on complaints proceedure.
They seem to be treating this as a complaint, hmmmmm. WRONG!
It will be interesting to see how they react to your claim seeing as they are no longer part of the Australian Group.
Especially interesting as i opened my parachute account with the Northern. Had a nice chat with the bloke dealign with it and asked him about what it was like for the staff now workign for Danske instead of NAG. He reckoned they were alot easier to deal with and alot more customer friendly thanh the last lot....then he would say that wouldnt he!!!!
As you are so on target, thought I would give you some extra reading for the next step, so as soon as you get a response back, or hear nothing...
you can file.
INFORMATION ON FILING IN COURT
Fees
You can apply for an exemption through the court when you file your claim so it is worth a read and if in hardship, worth applying.
Reading the above and having informed choices so your confident and know what suits you is why I have added the information, so you can ask questions till the waiting time for a reply to the letter is up.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Yeah, I intend to use the Small Claims Court and not MCOL. I think it will just look more serious .
I've used the NI Small Claims Court service before a few years ago very successfully . Even actually had to go into court that day, but by all accounts i shouldn't even have to get that far for this case..........hopefully.
I see what you mean, but MCOL gives the same end result, a court claim which is serious. It's academic really with you being in Northern Ireland. I have to be honest and say that I think yours is the first Northern Bank claim I have seen, although they have only been added to this forum since the Whistleblower revelations.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I see what you mean, but MCOL gives the same end result, a court claim which is serious. It's academic really with you being in Northern Ireland. I have to be honest and say that I think yours is the first Northern Bank claim I have seen, although they have only been added to this forum since the Whistleblower revelations.
This will be interesting to see how they respond.
Hi caro, Lickthewallfatboy won and the Northern settled with me for the 1st claim. had to split it and my court date is on the 25th May. I sent a pm asking if i should be sending a court bundle or just bring it with me to the court hearing? Nobody seems to be replying>
nervous.
Didn't know about those Nervous. As I said I've not really followed the Northern Bank threads, and I see yours is in the Other Institutions forum. Do you want it leaving there, or would you like it moving here? Take a good look at the court paperwork and see exactly what it says. I'll try and look at your thread tomorrow.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Didn't know about those Nervous. As I said I've not really followed the Northern Bank threads, and I see yours is in the Other Institutions forum. Do you want it leaving there, or would you like it moving here? Take a good look at the court paperwork and see exactly what it says. I'll try and look at your thread tomorrow.
Yes please, caro. I can't seem to get any more advice and as I said this is the 2nd part of a full claim due to the £2000.00 threshold over here in N.Ireland. I am getting pretty nervous about this and my time is looming.The bank lodged a default and our appointment date is for 10.25am on Friday 25th May, that is what it says on the papers. I don't want to have to do the court bundle just yet and then find that they lodge the money or maybe I should and if i do, i am going to claim for the prep work involved. But i don't know what to write forthe covering letter, if anyone could dictate one for me it would be great? I need big advice from a moderator!
nervous.
hey garygumps. Yes, i sent all copies to the bank and court but the 'bundle' that i am talking about is the groundwork and references needed for court appearance. but i am now getting plenty of advice and i am now doing a lot of research because since Lloyds news, i am now feeling rather quietly confident cos something big has come up. read the notes on Yorkshire on whistleblower.
nervous
OK, the 14 day limit on the preliminary latter has now expired. Needless to say there has not been a required response other than acknowledgement of the letter of "complaint" and that they are investigating.
I'm basically going to use the template on this site, but removing the paragraphs about supplying my T&C's (coz I hadn't previously asked for them as it states, so it sounded a bit silly), the removal of the default and the threat to report them to the OFT.
I'm going to post the letter on monday, anyone any advice before I do:idea:
ps, its gone awful quiet on Nervous' thread and the court date was yesterday 25th. Any news ?
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I suggest that you just amend the letter and ask for the T&C's now.
I believe that Nervous will probably be in a position to post further in a few weeks or so. Nothing to worry about.
All very mysterious Caro Have the Northern perhaps abducted nervous and secreted her to a luxury desert island and tried to bribe her into giving up!!!
Thanks for the advice about the T&C's. I take it asking for these is because it is unlikely that they are still on file or something and so impossible to produce?
Well we like to keep some tricks up our sleeves to keep the banks on their toes.
Regarding the T's and C's, in the light of Lloyds winning a case in Birmingham when the judge took the current T&C's from the website, it seems it is best to get them if at all possible for our bundles. They are likely to show that the charges are not for services as many banks are now suggesting.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
garygumps v Northern Bank (NI) ***SETTLED***
) last week and calculated charges of £1500 odd over 5 years.
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. Even actually had to go into court that day, but by all accounts i shouldn't even have to get that far for this case..........hopefully.
Originally Posted by caro
