Great to hear your good news as another victim of the banks in northern ireland I have been following your case closely. Does anyone know of any one who has had a claim settled by the first trust?

Thanks for the advice , do I therefore have to send in 2 sets of letters .Two preliminary letter with seperate schedules of charges ,two letters before action etc or do I just spilt claim at small claims stage. Also at small claims stage do I submit amounts of £2000 inclusive of interest or exclusive of interest(£2000 being small Claims limit in NI). They owe be over £3000 on the satements I received so better to split it in half then? Also How do I stop them applying to combine money into one claim forcing me to go to a higher court and therefore be liable for all sorts of additional fees and legal costs? Sorry for all the questions but am anticipating a lot of trouble as the banks in NI are even worse than in the mainland UK , hard to believe I know but they have even been investigated by the monopolies and mergers people and the consumer council. Any Help greatly appreciated Eratu13

Hi there as the title says so far the charges against my bank are in excess of £3000 and thats just on the statements they sent me.(they have not fully complied with data access request but am working on that seperately) I read elsewere on forum that maxium claim through small courts in N.Ireland is £2000 So how do I go about spliting claim.Do I do it by calender year or financial year or by sort of charges? Any advice would be most welcome Thanks Eratu13

My bank are have proved much more respondsive to the proforma letters i have used than they ever were to be getting on the phone and complaining because I was ripped off eith charges again .So as already said dont get mad get even and get your money back. Eratu13

Hi Everyone, Just a few lines to introduce myself As someone who has a bad financial record I just accepted all the charges on my account as my own fault, but after finally starting to get my finances sorted out 4 years ago and being honest and upfront front with my bank I thought all the charges would stop. How naive was I? Three years later I was getting divorced and went to the bank for help when I was waiting for my settlement of the sale of the house , needless to say they didnt hlp and slapped every charge they could think of on my account again. This even after I had rung them and told them of my circumstances and got my solicetor to send them a letter explaining I was due a large financial settlement and could they not cover my direct debits for a short period of time til the check was forwarded from my wifes solicetor. As a result I closed my account and moved my business elsewere after paying lots of charges, so when a friend recommended this site I was delighted . I have started the ball rolling and tonight have got a list of statements after sending them the proforma data access letter from your library. I will keep you all informed once i have read through them all. Many thanks and keep up all the good work. Eratu13