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Posts posted by curleybap

  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. 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 ;)

  3. 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.

  4. 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.

  5. 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?

  6. 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?

  7. Ok i'm going to stck to my own timetable and will post my LBA tomorrow unless anyone can advise otherwise.


    Just out of interest what i am claiming back are direct debit create and cancel charges, irregular account charges, unarranged borrowing fees and referral charges. A total of almost £800 over the last 6 years. I take it i'm entitles to claim all these?

  8. Thanks Nattie.


    There's no address. Just says my concern has been escalated to the CR Unit whose job is to help those who would like a further review of their concer and they will be in contact shortly. Also mentions additional info in an enclosed leaflet but the numpties didn't enclose it.

  9. I wrote to my branch of Ulster Bank (Northern Ireland's version of RBS) on 7 March asking for my charges back. Got a reply today which says they are acting on my letter which they received on 14 March. I can't believe it took a week to get there.


    Does this mean i can't send off my LBA until 14 days from the 14th or should i stick to my own timetable and send it 14 days after the first letter was sent?

  10. I sent off my first reclaim letter on 7 March to my local branch. Received a reply today from my branch thanking me for my letter which they claim to have received on 14th - a full week later. Do i now have to wait 14 days from 14th before sending off the second letter or can i send it 14 days from the 7th? I was intending to allow a couple of days lee way but not a full week.


    My kind caring bank manager is sorry i have found cause to complain but welcomes the opportunity to address the issues i have raised. Their customer relations unit will be in touch shortly and they are committed to handling the matter quickly and effectively as i will seef rom their enclosed leaflet - which they didn't bother enclosing :-|

  11. As a newbie myself to this site can i just check something too. I am going this afternoon to collect my statements from my bank. I'll use the template letters but in attaching the schedule of charges that i'm reclaiming - do i just list every charge that they've taken off me over the last 6 years?

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