Thanks for your advice.

I tried last year 2006 to reclaim bank charges from First Trust, only I did not take them to the small claims court. I am back on their case this year 2007, this time I am very willing to go the full distance and take them to the small claims court. Please any help would be welcome........... I have sent new letters requesting First Trust Bank to pay back all my unfair charges of £1995.00 over the past 3 years. Got reply 2 days later saying they are looking into it. I sent First Trust Bank the next request that if I did not get the charges I will be taking them to the Northern Ireland Small Claims Court. This time they waited the full 14 days until I got a reply HELP Dear ......... We refer to your complaint dated 16 may 2007 which requests a refund of al defult charges that have been applied to your account. You had already requested a refund of charges in July 2006 and we fully investigated your request subsequently issuring our final response on 28 September 2006 To allow us to deal with your complaint dated 16 may 2006 can you please provide details of how this differs from your original complaint in july 2006. on receipt of this information we will be able to progress the mater further. Yours sincerely. HELP NEEDED WHAT SHOULD I DO NEXT ? ANY IDEAS FOR A TEMPLATE LETTER WOULD BE WELCOME THANKS. LSMMCD1

I tried last year 2006 to reclaim bank charges from First Trust, only I did not take them to the small claims court. I am back on their case this year 2007, this time I am very willing to go the full distance and take them to the small claims court. Please any help would be welcome........... I have sent new letters requesting First Trust Bank to pay back all my unfair charges of £1995.00 over the past 3 years. Got reply 2 days later saying they are looking into it. I sent First Trust Bank the next request that if I did not get the charges I will be taking them to the Northern Ireland Small Claims Court. This time they waited the full 14 days until I got a reply HELP Dear ......... We refer to your complaint dated 16 may 2007 which requests a refund of al defult charges that have been applied to your account. You had already requested a refund of charges in July 2006 and we fully investigated your request subsequently issuring our final response on 28 September 2006 To allow us to deal with your complaint dated 16 may 2006 can you please provide details of how this differs from your original complaint in july 2006. on receipt of this information we will be able to progress the mater further. Yours sincerely. HELP NEEDED WHAT SHOULD I DO NEXT ? ANY IDEAS FOR A TEMPLATE LETTER WOULD BE WELCOME THANKS. LSMMCD1

Got a reply from First Trust today Dear With reference to your letter dated 3rd July we would advise that your complaint is still being investigated and we hope to be in a position to respond shortly. Yours sincerely M. Gourley Customer Care Unit Help needed!! What is the procedure for taking First Trust Bank Northern Ireland to the small claims court ? Can I add Intrest when claiming ?

I e-mailed the BBC Northern Ireland radio programme (ON YOUR BEHALF) [/url] Question: I am writing to you to ask you to let me know what your views are on the serious problem of unlawful penalty charges which are levied against their customers by the Northern Ireland (BIG 4)Banks. Reply: We have recently covered this subject on the programme. As you probably know the General Consumer Council for Northern Ireland are interested in hearing from everyone who has any complaint as they are documenting cases for investigation. If you haven't been in contact with them, please do so on 02890 672488 or access http://www.gccni.org.uk/ Their address is Elizabeth House, 116, Holywood Road, Belfast BT4 1NY.

Check this out BBC NEWS | Programmes | Moneybox | Bank Charges

Posting this letter tomorrow Recorded Delivery. First Trust Centre PO Box 123 92 Ann Street Belfast BT1 3AY Wednesday, 19 July 2006 LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: I am very disappointed that you have failed to respond satisfactory to my letter Dated 03 July 2006 I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £1,993.00 Total £1,993.00 I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 03 July 2006 I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice. Help needed: If my claim was Successful can I claim from the same bank twice through the small claims court. (Northern Ireland).

I got reply today. Dear We acknowledge receipt of your letter dated 3rd July 2006. The matter is receiving our attention and will be investigated by this Department. We hope to be in touch with you shortly and for information purposes we have detailed below our complaints procedure process. 1. You may express your dissatisfaction either orally or in writing. 2. Your complaint will be recorded by us and you will receive a written acknowledgement within 5 business days at most, unless your complaint is resolved within 1 day of receipt. 3. We will investigate your complaint promptly. 4. We will write to you within 4 weeks with either the result of our enquiries or to advise that more time is required to complete our enquiries. 5. As a maximum we will write to you within 8 weeks with the result of our enquiries which will represent our final response. 6. You may pass the mater to the Finanical Ombudsman if you are not happy with our response or if we have to failed to advise you of the outcome of our enquiries within 8 weeks of having received your complaint. Yours sincerely, M. Gourley Customer Care Unit. What a joke First Trust have a customer care unit. HELP NEEDED!!! Do I wait 14 days then send in a another letter.

Cheers all. I am going to post letter tomorrow recorded Delivery requesting £2000.

copy and paste this into search First Trust deliberately uncooperattive hope this helps!!

I Got all my statements for the past 6 years Dear Re: Data Protection Request I refer to you letter 7 June 2006 and enclosed herewith statements for the period 13/11/2000 to 16/06/2006. Details of the manual interventions you requested are not held on a relevant filling system. If you have any queries please do not hesitate to contact me. Yours sincerely Pat Mc Intyre Data Protection officer Regulatory compliance HELP NEEDED Can I claim for referral charges. Total charges for 6 years is £2247.00. How much can I request from First Trust Bank (NORTHERN IRELAND) to refund me.

Try Martin lewis at www.moneysavingexpert.com

Got Reply Today Dear Re: Data Protection Act 1998 - Subject Request I acknowledge receipt of your request dated 7th instant. Unfortunately I am unable to act on this request as it has not been signed by yourself. Please sign and return for my attention at your convenience. Yours sincerely Hilary Curry Accounts Manager 31/35 High Street Belfast BT1,2AL I am going to sign and post Recored Delivery Tomorrow. Lets see what they do now.

Posting letter from D.P.A 1998 with £10 to First Trust Bank. Posting Special Delivery. AIB GROUP (UK) PLC COMPLIANCE DEPT 92 ANN STREET BELFAST BT1 3AY.