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curleybap

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  1. I changed my mortgage about 4 years ago from Woolwich to BoS but of course can't now find details of the original mortgage. I have the redemption statement but it doesn't make any reference to an exit fee. Can i make any claim if i don't know what the original exit fee was or what i was actually charged? Grateful for any help.
  2. I changed my mortgage in 2003 from Woolwich to BoS but of course can't now find details of the original mortgage. I have the redemption statement but it doesn't make any reference to an exit fee. Can i make any claim if i don't know what the original exit fee was or what i was actually charged?
  3. Success Ulster Bank didn't wait for a court date. Paid up in full - charges interest and court fee. Thanks for the help LTWF.
  4. Hephalump You may have worked this out already but if you go to the Other Institutions main page then scroll down you 'll see a bow entitled Sub Forums then a box called Threads in Forums. Between these two there is a button marked New Thread. Just hit that and away you go. Good luck
  5. Hephalump i'm not sure where you stand. If i was you i'd contact the Information Commissioner and get their advice. There are some details attached to the DPA request letter in the templates library. This could then be followed up by a quick phone call to the bank. Good luck. You should start your own thread so that more experienced members than me can see your posts and give you better advice.
  6. Good on ya Hamishcat. I'm still at the ominous silence stage but remin hopeful
  7. Good luck to you too Hamishcat - Keep me informed of how you get on. Been reading some of the posts about collating court bundles and it all seems very complicated. Hoping Ulster Bank will go for early settlements
  8. Just completed the online small claims forms. Like probably everyone who reaches this point i have a sense of foreboding that I will be the one my bank will take all the way. Well its in the lap of the gods now
  9. Sorry for the late reply Nuala. I haven't been able to find an address for Ulster Bank in England. I have been writing to my local branch here though the last letter i received from them was from their Customer relations unit at Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB. Their number is 028 9027 6025. Good luck.
  10. Thanks Hamishcat and good luck. Yes please do keep me and everyone informed. I had a quick look at the Small Claims website before and it looks pretty straight forward (hopefully). Can i check - what is the date the claim arose? Is it the date of my first letter to the bank requesting statements or the date of the first charge? And what date do i claim interest to?
  11. Can anyone advise which of the interest spreadsheets can be used to claim on bank charges in Northern Ireland. The library has versions for England and Scotland only.
  12. I'm about to go to small claims. Can i ask how long after making the application to court did the letter arrive from the bank?
  13. Sent my LBA off last friday 23rd and today received a letter dated 22nd from the bank's customer relations unit. Apparently the charges are fair, reasonable and transparent and they will not therefore be making any refund. Can i now move to start court proceedings, or, as my LBA was sent after they issued this letter, do i still have to give them the 14 days to consider that?
  14. No Hephalump I sent for the statements at the end of January and received them after about 5 weeks. There was no acknowledgement letter or anything. They wrote to me telling me my statements were ready for collection at my local branch
  15. Is it ok then to just delete this amount from my LBA letter saying i understand these charges are ok and proceed to claim back the balance or do i need to start again?
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