stacey777 -v- ulster bank

[hephalump]

hi stacy777

you haven't been on in a while is everything ok? Have you got much further?

Hephalump

[jackster77]

hello there - we meet again ;-)

[stacey777]

zeet the begs im so easy found me:cool:

[stacey777]

just got more charges from the A&L £100 for going £2. OD im near sick rang them they were so blasey if thats how you spell that word. Im rippin.

[stacey777]

Finally Went ahead last night and put in my small claims action so all i have to do is sit and wait 14 days for them to pay up or else im on my way to court.

[diane120676]

Hi Stacey

 

Im just getting all my papers ready to go to the court tomorrow to lodge claim for about £4K, what papers did you take? I have copy of letter asking for statements, my hightlighted statements (didnt include the pages with no charges), the spreadsheet of charges, the 14 day letter asking for my money and the civil bill application form, is that all I need? Oh and the £140.00

[stacey777]

Hi Diane

 

I went through the small claims court although im not sure if you can go through small claims as yours is for 4k. But all that your taking with you sounds about right. I would talk to one of the administrators on here and ask for some advice. They may advise you to bring something elsse with you to court.

 

Hope this helps dont know what else to advise at the mo. I may have to go to court myself if they dont pay up. So wish me all the best.

 

BLessings Stacey;)

[diane120676]

Hi Stacey

 

Think im in for the long haul - i went to lisburn and belfast court on friday and was told by both that i need a solicitor to act on my behalf. So now im gonna have to try and find someone. Have you heard tell of anyone else needing a solicitor???

[hephalump]

Hi diane,

Have just read your response to Stacey and was wondering is this because your claim is over £2000 or would it be worth halving it between 2 legal actions.

Hephalump

[diane120676]

i asked that question and they told me i could only lodge 1 claim - the girl in the court said she hadnt heard about anyone taking the banks for more than £2K which i think is a load of cobblers. I would say i just need to have representation from a solicitor just to stamp my papers, as everyone is saying here that the banks are settling before the court dates, just means i may haveto pay a solicitor now too!!

[hephalump]

Diane

From what I have been told so far that is cobblers but you have to wait for each claim to go through before commencing the next and that might be a problem in the fact that they seem to be so drawn out. I know its a pain about the solicitor but if it comes to it you can always add on the cost to your bank!!!

Hephalump;)

[diane120676]

i should to that, but i phoned ballymena court today and they said i could get my papers stamped there - i just had a wasted day on friday by the looks of things!!! They said i would only need a solicitor if the ulster bank didnt cough up and i had to go to court - hopefully that wont happen though!!! Thanks for the advise though

[johnspeehs]

splitting your claim is a def non starter in NI. the courts will throw your second claim out as abuse of sc system. the banks now know this and wont pay out on a second claim.

regards john.

[stacey777]

Hi diane

 

Do you know there are companies out there that will take on the claim for you and they maybe better paid than a sloicitor. I think they charge about 10% so it is a lot of money to pay anyone else reading may have some advice as to weather this is a good idea.

 

Hope this helps:)

[hephalump]

Hi John , where does that leave us poor sods if the courts don't allow us to proceed through small claims with amounts over £2000 and won't let us split the claim(do you ever get the feeling the poor old Irish get it in the neck everytime). Surely going any other way would greatly penalise us all financially as we would require solicitors etc and not every solicitor will work on a share out at the end. If the case was lost, God forbid, we could all be liable for huge legal fees on top of everything else.

Hephalump

[johnspeehs]

hi hep

im afraid thats the way it is here nothing seems to favour the individual.

the only route is a civil bill, you wont need a solicitor to serve it but if the bank dont enter a defence the you need a solicitor to file for your default victory. you would be liable for the banks costs if you were to lose your case but that hasnt happened to anyone i know of.

regards john.

[stacey777]

Hi diane i would try to go through one of the compaines that take the case on for you,they take a share of the money if you win and if you lose there is no fee (no win no fee) its worth it cause that way you have nothing to loss.

 

You should go in and do a google search on the companies and see which one is the lowest fee and maximise your return on YOUR money. There is one called i think bellray.com however just put claim bank charges back in google and you ll get all the compaines up. There are a few.

[diane120676]

Im gonna get my mother to go to ballymena court on thursday and get the civil bill stamped for me and see how it goes from there. If need be i will resort to one of those reclaim companies. wish me luck!!!

[johnspeehs]

dont resorte to 1 of those companies diane you can do a much better job yourself and quicker too ulster bank have been easy pessy up to now non of the ppl iv helped had to wait much longer than cpl of weeks after filing their claim for an offer to come through. hold your nerve and do everything by the book you will be fine.

regards john.

[stacey777]

Diane

 

Go ahead and take Johns advice i was just suggesting this as it is out of the small claims court. Good advice there John

[stacey777]

John

 

Could you tell me how long do i have to wait for the bank to respond to the small claims before im payed by default. I know it its 2 weeks in England but what about N ireland. please could you advise.

 

Ta stacey

[diane120676]

Morning John

CAn you confirm for me what all i need to take to the court, i have the letter requesting the statements, the 6 years of statements, the letter requesting my charges, the letter back from the bank telling me to sod off and my spreadsheet of charges, and the civil bill - is that all i need??? Sorry for torturing you

[johnspeehs]

hi diane

yes you have everything covered there. it will cost you£140 to lodge your civil bill. you then need to send it by next day special delivery to the bank. i photocopied mine and sent them a copy and kept the original im not sure if it matters but you know how banks have a habit of losing things. they have 21 days from the date they recieve it to acknowledge.

regards john.

[johnspeehs]

hi again

wouldnt worry about taking the statments the spread sheets will do fine.

john

[diane120676]

Thanks John, I will let you know how i get on.