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northern Bank charges reclaim **WON**


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fantastic news!!!

 

northern treated my sis like dirt years ago. i hope you will be reporting them to the ombudsman for closing your account!!

 

Make sure you get it in the papers ie belfast telegraph and my friend stephen moore at the sunday world may well be interested in a story on it too. Give them a call and see.

 

you can also mention that this site helped you and it wll help thousands of others to know about it.

 

NI people are left out a bit as we dont know where we stand with the banks there.

 

I'm thrilled for you and its well worth celebrating.

 

x

Its my money and I'm making sure I get it back.:razz:

25/09/06 Letter from Robert Udy saying tough, sue us!

14/09/06 letter from cap 1 robert udy offering difference of £8 per charge. sent LBA and refusal back

14/09/06 letter from halifax returning £10 cheque but still going to send me my statements!!

cap one LBA sent 29/08/06 £360

Halifax Data Protection Act sent 29/08/06

 

There will be a 10% donation to this site when I win.

If it wasnt for you then none of us would have anything back

 

 

www.consumeractiongroup.co.uk free forum with advice and templates for reclaiming bank charges

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agree strongly, let the media know!! Its in the public interest and you might even get paid for your story

Its my money and I'm making sure I get it back.:razz:

25/09/06 Letter from Robert Udy saying tough, sue us!

14/09/06 letter from cap 1 robert udy offering difference of £8 per charge. sent LBA and refusal back

14/09/06 letter from halifax returning £10 cheque but still going to send me my statements!!

cap one LBA sent 29/08/06 £360

Halifax Data Protection Act sent 29/08/06

 

There will be a 10% donation to this site when I win.

If it wasnt for you then none of us would have anything back

 

 

www.consumeractiongroup.co.uk free forum with advice and templates for reclaiming bank charges

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I have just initiated stage 2.

 

New claim lodged for an estimated £2452.14 (inc costs and interest)for the period that Northern stubbornly refuse to furnish me the details for, ie pre-April 2004.

 

And since they are closing my account anyway,the gloves are now off!!

 

Nuala Walsh might not be sending me a Christmas card..... :D

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I just got my statements from Ulster Bank this morning and am gonna put them on a spreadsheet to calculate my charges. the only spreadsheets i found were for england and scotland. Is there currently one for N Ireland???

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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  • 3 weeks later...

Cant believe they settled......my SAR is interesting not flattering shall we say...Soooooooooooo delighted you got there in the end....do you think the papers would be interested in 22.5k.....now confirmed by their own records(N Bank that is)....

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This is just a question for everyone. I sent prelim to Ulster Bank requesting £1734, they had the cheek to offer me £150 so i sent my LBA 2 October. Anyways i have an overdraft with them so when i get my money back will they take the £500 overdraft money from that total and close my account???

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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What is the bank doin about ur overdraft if they are closing ur account? Have u to pay that money back??

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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What is the bank doin about ur overdraft if they are closing ur account? Have u to pay that money back??

 

 

They deducted the overdraft from the settlement figure and sent me the rest.The accounts are now closed,so I have nothing to fear from them-not that I was scared to start with!! :D

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first trust did that with me as well, i asked a few questions and it turns out that the court are allowed to have a backlog of anything up to 5 days.

if your return date falls on a friday or a weekend, they can still send it by fax up to midnight on the return date.

apparently, a lot of dispute notices are sent by fax at the last minute

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the court received their defence before the deadline,but hadn't logged it on the site.

 

I have received their defence today-

 

1.the applicant is stopped from bringing this claim by reason of the following:

 

1.1the cause of the action disclosed in the small claim application form is the same course of action which was the subject of an application brought by the applicant against the respondent in the application no blah blah etc etc

 

1.2the prior application was settled between the parites by the respondent paying to the applicant the amount claimed in the prior application in full and final settlement of all the applicants claims relating to the cause of action.

 

IN THE ALTERNATIVE

 

2.the charges were levied in accordance with contract and are the charges previously advised to the applicant

 

3.the charges are not in breach of the consumer contracts regulations 1999

 

IN THE ALTERNATIVE

 

4.the bank disputes the amount of the claim

 

 

oh dear-is that really the best they can come up with?

 

point 1.2-I only claimed back until April 2004 because they refuse to send me my data before that date

 

point 2

-so what?

 

point 3

yes they are!!

 

point 4

if the bank disputes the amount of the claim,then prove to me that it IS the wrong amount by sending me my data-ALL of it!!

 

seems to be a bit of a mish-mash defence all told!!

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At long,long last!!!

 

This morning,I got all my statements previous to 2004-only 6 months late,and interminable letters later!!

 

I have totalled my charges fom the statements,and happily I was very close with my estimate!!

 

The Northern want my amended claim figure,as I said I would provide them.Hopefully this will at last see the back of them.....

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good going LTWFB the banks in ni really are hard work,they just cant stand having to comply with the law and its driving them to distraction. for some reason they seem to think that they dont have to acknowledge lowly customers and we will get bored and go away.how wrong they are. cant wait till it really catchs on over here and they are snowed under with requests.

regards and good luck john.

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