Congrats A long drawn out case that now opens the floodgates. Spend it wisely.

Hi Defence was filed within 7 days.

Court date with Citi in Northern Ireland on 11 December 2006. Mr Smith has entered the following notice of dispute to the court: "My client does not owe any money to the claimant." His defence reads: "The respondent denies that the charges are punitive in nature or exceed any actual loss arising to the Defendant from the Claimant's breaches and puts the Applicant to proof that the clauses complained of are a disproportionate penalty clauses and/ or unreasonable;" "The Respondent avers that the Applicant's claim is not a money claim but a damage action and further avers that the Applicant's interest calculation is not applicable to this action or, if it is applicable to this action, that it is incorrectly calculated and the Respondent puts the Applicant to proof that this interest is owed." " The Defendant avers that under common law and contract law it is entitled to recover its losses as a result of the Claimant's breaches. It avers that it has recovered such losses only and will adduce in evidence the basis of such charges." All the above in inverted commas are his exact words. Any thoughts?

Ron The formula in the 8% interest column is set at 0.00022. Change this to 0.000436 to calculate interest at 15.9% APR. Regards Unitboy

Go for it Noelette Hassett Ulster Bank Limited Retail Network Support Group Head Office 11-16 Donegall Sq East BELFAST BT1 5UB Re: Account number Sort Code Dear Ms Hassett, I request that Ulster Bank Limited provides me with details of all default charges for unauthorised overdrafts and unpaid direct debits and standing orders I have paid in the last six years on the above accounts. I understand that Ulster Bank Limited is obliged to provide this information under the Data Protection Act 1998 and is not at liberty to charge more than £10 for this information, and I enclose the appropriate fee. I look forward to hearing from you at your earliest convenience. Yours sincerely

Hi all Best of luck with Ulster Bank. Lets say I know someone who has received their refund from Ulster Bank after Small Claims was filed. Ulster Bank ask the customer to sign a declaration before refunding the fees. If your original request for a refund is for over £2000 be very careful with the wording of the declaration that Ulster Bank send you. In the case I am aware of, Ulster Bank have tried to wriggle out of the second request for repayment, quoting the declaration previously signed by the customer. Take professional advice before you sign any declaration from Ulster Bank. It's your money!

Hi friends of the evil banks. Have contacted Ulster Bank re over £2k in default charges going back six years. Ulster Bank Customer Relations is as follows: Noelette Hassett Senior Advisor Ulster Bank Limited Group Head Office 11-16 Donegall Square East Belfast BT1 5UB Tel: 02890276025 Fax: 0035317025230 (Dublin for some reason) Email: [email protected] No satisfactory reply as yet, just the usual bull. Roll on 12 September when I begin my claim.