I have two accounts with a bank named Ulster Bank, owned by the RBS. I used one of the accounts for DD's, standing orders, etc. and the other account was pretty much redundant. I stopped having my wages paid into my account and got myself into quite alot of debt. I have a debt management plan with the CCCS and this is running smoothly. On the first account i am around 900 pounds overdrawn, and just yesterday i received a letter from the bank in relation to my other account claiming the account is 180 pounds overdrawn. I called them today and found that they've been charging my 30 pounds per month because of one fee.

What should i do now, i believe that most of this debt, due to admin charges, can be wiped out...am i correct?

Thanks in advance

Aaron

You need to tell the bank that you dispute the amount owed - this should hopefully be enough to stop them taking any further immediate action.

The follow the proceedures shown in the FAQ section for obtaining the relevant info and reclaiming. You can 'reclaim' even if you have not actually paid it yet, don't be confused by that one.

At some point further down the line, you will probably have to disclose the fact you are reclaiming to the CCCS, but they will of course give much clearler advice at that point - I'm not a trained counsellor!

So, write to the bank now, disputing the amount you owe, then get your DPA request under way.

You are not alone in the situation you have described, and I can tell you from personal experience that when you come out the other side, it's a very nice feeling indeed!

Good luck

You will do well to thoroughly read through the FAQ section and then follow the step by step thread in FAQ.

Everything you need to know is there and if you get stuck ask in the forum.

Sorry forgot to add, do these guidelines listed on the site apply to monies that havent been paid yet. That is can these debts be written off?

Thanks again

Sorry didnt see the replies. Thanks for the replies, much appreciated...ive read through the faq's now and will get started...thanks again.

One more thing, do you guys think i can write most of this debt off, in your opinion???

From what you have written about the second account, I would say so.

The specific details of the first (£900 o/d) is not shown in too much details. All the same, if it is made up largely of charges, then yes again...

Any part of the debt that is down to penalty type charges eg unpaid direct debits, returned DDs, bounced cheques, unauthorised O/D fees etc, plus interest charged on unauthorised overdraft caused by these charges forcing you into O/D, then yes, these are the unlawful charges and you can get them all back...

Nice one guys, im feeling better already.

Thanks again all

Posted the two DPA's today for my two accounts with two 10 pound postal orders, not crossed. 40 days and counting...

Got a letter from Ulster Banks head office in Dublin. Does this mean that it would now be a claim in the rep of ireland?

I received my statements today for both my accounts.

There are an awful lot of irregular account charges around the £10 mark, should i claim these back also, or would these charges be classed as lawful?

Also when adding my charges up, should i combine the charges for both accounts into one claim?

Thanks in advance

Did they prove that it cost them £10 because you had an irregular account. I think not. So unless they explained their manual intervention, it is unlawful so I would claim it if I were you. Keep us posted and good luck:)

The only charges you shouldn't reclaim are the type that you pay for special accounts, i.e. £10 per month that gets you special offers / insurance etc etc. Everything else is fair game.

What, precisely, are the "2 accounts" you are referring to?

I have twol current accounts with Ulster Bank, owned now by RBOS.

The have also attached screenshots for any manual intervention that was required, what do i do with them?

If the two accounts were with the same bank, then one claim should be fine.

What do the screenshots show - i.e. what wording describes their manual intervention?

The screenshots only appear to show any times they accessed my account when i called and just recently because i havent used the account because of the amount i owe.

Im guessing i should just ignore these, yeah?

Yeah !

Good luck

When i get my charges refunded, i understand that i can request payment by cheque. But what way do i stand on paying back the money i owe the bank, i have a debt management plan set up at the minute to pay back the charges.

Would you think that i continue to pay back through the dmp or to pay in full once my my cheque has cleared?

If you are still under any kind of debt plan, even one you administor yourself, then any 'spare' monies should be divided pro-rata amongst your creditors.

If you are not, you can choose to pay off what you now (truly) owe, but it is my understanding that only income is to be shared amongst them, not one off payments etc, and as such you would not be obliged to share this out.

It's your money, so it's your decision.

You can pay all of it, some of it or none of it.Or you could blow it all on some floozy,

after a donation to the forum of course. No brainer really.

I was just thinking they could {edit} and request the lot i owe them...thanks for the help.

MOD: Language, please.

If i get a reply from the bank to say there charges are lawful after ive sent a prelim, do i still wait until the 14 days are up, or do i send a lba after i receive the reply?

I will let you know the outcome when I get my refund, hopefully in the next couple of weeks.

My account, handled by a DCA, is approx £650 overdrawn. I fully expect the Halifax to pay this part off first before sending the remainder by cheque, but I'm prepared to fight that all the way - back to court if necessary.

Cheers!

Hi,

I got a reply from my prelim within 5 days denying the charges were unlawful. Sent the LBA the same day as I doubt they'll send another letter changing their mind.