Bernardcoglan v Bank of Ireland

[bernardcolgan]

Hi all , i live in Belfast N.Ireland and want to claim back charges from my bank (bank of ireland) every month i get charged 14.50 for being overdrawn ..ie. direct debits and succh... some times the bank charges me 14.50 and by doing so put me overdrawn and again charge me another 14.50 for been overdrawn (which they done in 1st place).. well my question is because im living in N.Ireland can i still get theses charges back??????????

 

PS.. theses charges are for being overdrawn in my current account , i DO NOT have an overdraft with my bank , will this affect my claiming theses charges back or can i claim them back????

[mbdiss]

don't see why not. think you will have to look in to the steps you need to take. i'm sure some one with a lot more experiance than me will be able to help.

have a read through this it will help i hope http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[bernardcolgan]

don't see why not. think you will have to look in to the steps you need to take. i'm sure some one with a lot more experiance than me will be able to help.

have a read through this it will help i hope http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

 

i have the letter to bank printed and all , just want to make sure .N.Ireland comes under the same law concerning penalty fines

[mbdiss]

sorry i don't know i hope a site helper or a mod will be able to help you more.

[bernardcolgan]

sorry i don't know i hope a site helper or a mod will be able to help you more.

 

THX for the interest you showed anyway... can anyone else help me out here PLease

[mbdiss]

re p.s in your first post. i belive that you can claims this back as there are charges for Unauthorised borrowing

[Rooster-UK]

Hi Bernard,

 

Yes you can claim any penalty charge back.

The procedure in N. Ireland is the same as England. Maximum value of claim for small claims is different. I think that i may be £3000 but not sure.

Spend a few days reading the FAQs and the step by step guide. That will explain a lot to you.

 

Good luck with your claim.

 

Regards, Rooster.

[MARTIN3030]

Hi Bernie your posts moved here.

Check out some threads from other Irish claimants...in particular Ulster bank as theres been a few of them.

[LordPringle]

Yes you can claim everything back bernard. I just won my case against the Northern Bank, they settled in full.

[noomill060]

Small Claims in Norn Irn has a maximum figure of just £2000.

 

This is outrageously low compared to England and Wales- £5000.

[bernardcolgan]

well i got it started and sent the first letter asking for list of charges imposed on me over the last 6 years. i got a reply today and they had about 12 bank charges of 12.50 each against my account ,No charges from dem 06, and i know for sure i've been charged this year, i was expecting a much greater list of charges against my account than i got

 

Question: what do i do now , should i send another letter complaining that they didnt send me the complete list and the 40 days is still running ?

[bernardcolgan]

well i sent another leter to the bank say that the 40 days is still running and that list of charges was not complete .

 

 

Any advice to what i do next ?

.

[bernardcolgan]

ok i sent another letter telling the bank that thier 40 days was still running and that they were not complying with the data protection act by not sending me a full list going back 6 years of charges made against my account . yesterday i recieved a list of charges made against my account but they only go back 4 1/2 years and NOT the 6 years required as i asked for ..

 

What do i do next ?

[lickthewallfatboy]

stick in an estimated claim and take them to the IC via a complaint.They should sort them out.

[bernardcolgan]

stick in an estimated claim and take them to the IC via a complaint.They should sort them out.

 

 

IC .... WHATS THAT ?

 

 

ALSO..I hav noticed several account maintenance fees of 8 pound and Interest Component Fees of 5 pound .

The most Interest i have recieved from my account is 8p and they carge me 5 pound and more on from what i can see is a regular basis too.

I wonder what interest rate they are charging me compared to what they are giving me.

 

 

 

Are these repayable too ?

 

Also..... Are thay breaking the data protection act , by on 2 occassions supplying me with incomplete records of my account .

 

Can i do anything to get the bank in to trouble by not complying with the data protection act ???

PS ... including component and maintanance fee's it comes to 450 pound , but that only goes back to aug 2002 which is not the 6 years which i requested!(demanded)