northern Bank charges reclaim **WON**

[bigron2645]

:)Well bless my auld cotton socks. Well done to you and that should be a great uplift to anyone taking on the big four in Norn Iron.

Get stuck in there people.

[moriman]

Hi LTWFB,

 

Great to hear you got your money back from the NB ;-)

Did it end up in court or did they settle beforehand?

 

thank

 

moriman

[lickthewallfatboy]

out of court on both counts

[moriman]

Excellent ;-)

 

Thanks for the update

[TheNorthernWarrior]

how's this for bank efficiency?

 

Sent Data Protection Act on 27 April-no response.

Sent reminder letter 24 may and got a letter in this morning.They claim to have lost my original letter,and tracked it down after receipt of my reminder.Top class service so far!!

 

They now claim to have 40 days from May 30 to comply,but will try with "every possible effort" to have this information for me next week.

 

They had better otherwise their arse is in a sling-it's my timetable,not the Northern's!!

 

Anyway,they claim that manual intervention is applied in all circumstances of charges applied-*YEAH RIGHT*-but that it would take a disproportionate effort to get me the details.

 

They are also looking for £6 per page of statements prior to April 2004,because they can't be bothered to get off their lazy arses to get me them.

 

If they think I'm falling for this they must be located on Mars-I know that Abbey customers got the same run around.Can anyone point me to a thread where this was comprehensively dealt with?

hi,lickthewallfatboy,

nervous reading your thread, when i went in and asked for my back dated statements, they said it would cost me £10.00 per sheet!! I just told them i hadn't received any statements for over a year (which was true) and so they didn't charge me in that branch and as for the other branch, they didn't even question me! But then I went in, in beginning of December.

[Clare11]

We had a BUSINESS account with the Northern Bank up until May 04.

I did include the quarterly maintenance fees on my claim for a refund of penalty charges.

 

I thought it was charged when an account was over drawn hence my reason was thinking it was definitely a penalty charge.

 

I need to be certain as I dont want to make a "mesh mash" of the claim...

I am "smelling" the money already....lol.

And better still my husband said that any money recieved back from the Northern Bank will be MINE to keep!

Seriously though.....I would appreciate your advice...

The £800 I calculated they owe us is only "pocket money" to them and they made life very difficult for us.

 

But thankfully a change a bank has given us peace of mind.

[TheNorthernWarrior]

We had a BUSINESS account with the Northern Bank up until May 04.

I did include the quarterly maintenance fees on my claim for a refund of penalty charges.

 

I thought it was charged when an account was over drawn hence my reason was thinking it was definitely a penalty charge.

 

I need to be certain as I dont want to make a "mesh mash" of the claim...

I am "smelling" the money already....lol.

And better still my husband said that any money recieved back from the Northern Bank will be MINE to keep!

Seriously though.....I would appreciate your advice...

The £800 I calculated they owe us is only "pocket money" to them and they made life very difficult for us.

 

But thankfully a change a bank has given us peace of mind.

Hi Clare11, it's nervous here. I am sending off my last letter before court. I included all referral fees, fees that looked like hidden charges because they seemed to be applied every time i was overdrawn and this was acharge minus the 'referral' in front of it. I also included interest that they charged me on the quarterly but twice within a matter of days and with different balances? I also included the 8% interest ( i now realise on this web, i shouldn't have) but i am still including it, so yes, like you, i hope to god, i have done this right. In fact, i think they owe me a lot more if i was to do the whole thing the way LTWFB did. If they throw it out, so be it, i will just start again using the spreadsheets on this site. The only thing is my charges add up to £2538.88 minus the 8% interest and the small claims court has a limit of £2000.00. What to do!

nervous

[Clare11]

Hi Nervous.

I plan to post our letter tomorrow (14th Jan) to the Northern Bank threatening them with court action if they dont pay.

So I wish you luck .....fingers crossed......and anything else if it helps....lol.

Clare

[TheNorthernWarrior]

Hi Nervous.

I plan to post our letter tomorrow (14th Jan) to the Northern Bank threatening them with court action if they dont pay.

So I wish you luck .....fingers crossed......and anything else if it helps....lol.

Clare

Good Luck to you too, the thing is Northern have to realise that we will not sit back and take their 'nonsense' any more, let us know how you are getting on, i only wish LTWFB was on line to advise me if i should include my whole balance of £3857.88 in the small claims court because either way i am still over the £2000.00 limit. nervous

[lickthewallfatboy]

Good Luck to you too, the thing is Northern have to realise that we will not sit back and take their 'nonsense' any more, let us know how you are getting on, i only wish LTWFB was on line to advise me if i should include my whole balance of £3857.88 in the small claims court because either way i am still over the £2000.00 limit. nervous

 

You won't be able to go over the £2000 limit this time-but do like I did-claim twice!!Just split the charges into one claim of £2000,and then when they pay that out,claim for the rest.

 

If you find my thread detailing the whole saga,you'll see what I was up against.....I had nothing to lose and everything to gain,so I went for it.

 

Also,tell the Northern that you are personally aware of other claims which they have setlled in full,and that you will consider any delaying tactics and threats to defend as an abuse of the legal process by tying up the court's time unnecessarily,and that you will make written representation to the court concerning this.

 

Go get em!!

[TheNorthernWarrior]

You won't be able to go over the £2000 limit this time-but do like I did-claim twice!!Just split the charges into one claim of £2000,and then when they pay that out,claim for the rest.

 

If you find my thread detailing the whole saga,you'll see what I was up against.....I had nothing to lose and everything to gain,so I went for it.

 

Also,tell the Northern that you are personally aware of other claims which they have setlled in full,and that you will consider any delaying tactics and threats to defend as an abuse of the legal process by tying up the court's time unnecessarily,and that you will make written representation to the court concerning this.

 

Go get em!!

Thank goodness you are on line! I still have to draft this damned letter. Do i chance my arm and still include the said balance or do i just go for the £2000.00? Does the £2000.00 include the 8% interest or is it just the straightforward charges ie. referral fees,fees and unpaid cheques?

nervous

[lickthewallfatboy]

the £2000 is just the basic claim for charges-then you add on the 8% and the fee,which they will then have to pay you when they settle.

 

Be careful only to claim for referral fees,charges fro DD's being returned and going over your O'D limit.You can't claim for quarterly account maintenance charges,setting up DD's etc and the like

[TheNorthernWarrior]

the £2000 is just the basic claim for charges-then you add on the 8% and the fee,which they will then have to pay you when they settle.

 

Be careful only to claim for referral fees,charges fro DD's being returned and going over your O'D limit.You can't claim for quarterly account maintenance charges,setting up DD's etc and the like

I have included all my referral fees, unpaid charges (that i didn't know about) and there were these fees thaat read like this 'fe £9.00 that seemed to occur when i was overdrawn. they didn't read referral fees, so i included them too? is that right? do you think i should sit down and start from scratch and include just the referrals,and unpaid charges. I don't know what the interest is on the overdraft. you would know what i mean about the £9.00 though wouldn't you. I can't go in and ask cos i feel i have now gone back instead of forward. I was also thinking should i still include in this letter the full amount and then when it goes to lodging the claim, go for the £2000.00? Does it sound messy and disorganized? It's just that i know the northern has hidden fees and so if it doesn't say referral it may as well be. Please help nervous

[lickthewallfatboy]

I take it the £9 is from a while back?It sounds like what they charged a few years ago for going overlimit.....if it is,that sounds ok.

 

It all sounds a bit daunting-but once you get going it's ok

[TheNorthernWarrior]

I take it the £9 is from a while back?It sounds like what they charged a few years ago for going overlimit.....if it is,that sounds ok.

 

It all sounds a bit daunting-but once you get going it's ok

yes, it was 2-3 years ago and sometimes a few days later they would add 'referral fee £12.99 and then i'd see further down the statement ' fe£9.00 and because i was still overdrawn i think you and i know what they must be doing. I actually did include their fee which read 'fee to date £62.61' and then there was another 27 days later which read 'fee £94.89 and int £1.07. i included both fees? if i have done it wrong, i think i will have to start again and just send the letter to head office as opposed to the branch that i belong to?

let me know as soon as you can, please? nervous

p.s. this is why they want to stall everyone, because unless one is mathematically inclined , one can be stumped and not go all the way. But bedads, i hate them so much and that lil bank manager of mine who thinks he is something of the walk, well we will see about that!

[lickthewallfatboy]

I wouldn't include the interest,as you will be claiming the interest back at 8% when you file....

[TheNorthernWarrior]

I wouldn't include the interest,as you will be claiming the interest back at 8% when you file....

can i claim back those fees that are reading as £94.89 (03.06.05) and on 30.06.05 it reads fe to date £62.61? nervous

[TheNorthernWarrior]

I wouldn't include the interest,as you will be claiming the interest back at 8% when you file....

Help LTWFB, i sent a quote and i am sorry if i am bothering you, i know, i know, i never was much good at sums, especially northrn bank's. but i think i'll send off the prior to court letter with the full amount and see what happens. if they ignore me then i'll amend it to the £2000.00 and file in court. How much does that cost? nervous

[lickthewallfatboy]

IIRC,it's £62

 

those fees in the second last post sound like an accumulation of fees added together

[TheNorthernWarrior]

IIRC,it's £62

 

those fees in the second last post sound like an accumulation of fees added together

I can't find the template for the prior to court letter to the bank. what section is it in. i have searched the faq still to no avail.

nervous

[lickthewallfatboy]

I can't find the template for the prior to court letter to the bank. what section is it in. i have searched the faq still to no avail.

nervous

 

Amend this to suit you-

[edit]

 

Please do not put letters from the library in the main forum, they are for access by registered members only - registration is free

[TheNorthernWarrior]

Removed letter quote (see above)

Thank you so much,LTWFB, i think i am getting rather uptight and can't see beyond my nose! This will be in the post tomorrow. I have been sending all my statements to them, not always in the correct order, but then they didn't do that for me either and besides they have access immediately to disc.

thanks again, nervous

[hughes690]

Where are you at now Nervous - it is now February.

[bigron2645]

They have 15 days to come up with the back statements. My branch seem to be pretty good as they have said that they will supply all the details I require.

The problem I can see is when it gets to headquarters in Belfast and some snotty nosed manager get their hands on the request then the smelly stuff may hit the fan.

Will keep everyone posted.

[hughes690]

They WILL supply your requested statements (is your request SAR?). Don't worry abot snotty nosed Belfast manager! They MUST supply requested info (They have 40 days to respond to SAR).