Jump to content


  • Tweets

  • Posts

    • There you go then. Why don't you gamble on a turbo from a scrappy or ebay? I got lucky once with an ecu that lasted the life of the car and only cost me £80.
    • With Debt and court cases. Its who blinks first who loses a lot of the time. It is a judge lottery and it is also a pain in the backside.  Lowell temp fate with the debts they buy all the time. There isnt really much you can do apart from follow the processes. Think about it - If you hadnt of come here then you woudlnt have learnt what you know now.    They have to work for their money on the off chance they MAY win... Ive seen weird decisions in court - When all the odds when in the Creditors favour - They still either pulled out or even lost the case... Faulty DN, Missing Docs... The list goes on. 
    • I stated they might loose, a chance they may take , if they do then they loose fees etc, every case is different = there are no wills/wont"s,   many a case they loose or pull out of at the last minute before they loose their fees etc  there is no guarantee in any case,  by the way A Tomlin Order can be arranged up to the last minute if they have not discontinued the case (they tend to leave last minute for you to collapse and they get their holiday or xmas party fund = (The debt purchasers dirty trade, read threads you are not alone, and you may see others stories where they have beaten them/
    • I think they'll do anything to hold their party together.  That's the reason Cameron gave in to a referendum in the first place.  This whole sorry shambles is the result of the Tory party looking inwards and not giving a damn about the country.
    • Morning all,    Have finally received my DQ from the court, dated ages ago but have been working away awhile.    Anyway, I've only got a paper copy, but if I've still not received a copy of the agreement/contract from Lowells' proving any terms that they're claiming I'm bound to. Should I still tick yes to mediation, knowing full well that it won't succeed without this being seen in good time to prepare an argument beyond the obvious?    Thanks in advance - I'll fill it in as indicated on the rest of the site, but am just aware that it's a waste of the courts/mediators time...   Thanks   A
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
lickthewallfatboy

Lickthewallfatboy v Northern Bank

Recommended Posts

good luck

we really need a success against 1 of the so called big 4 in NI to prove to all that it is possible to make a succesful claim here

 

has anyone had success over here???

Share this post


Link to post
Share on other sites

I really think things need bringing to a head.I don't expect the Northern to refund me today,so I am ready to initiate a claim tomorrow.It's going to be a busy week,with RBS and capital one about to have action taken as well.....


Share this post


Link to post
Share on other sites
good luck

we really need a success against 1 of the so called big 4 in NI to prove to all that it is possible to make a succesful claim here

 

has anyone had success over here???

 

did you not read about the Belfast taxi driver who threatened the Ulster Bank with court over almost £2K in charges,and they coughed up straight away?

 

Seems to be that if they are put up against a wall,they will buckle like the rest......


Share this post


Link to post
Share on other sites

well then lets keep the pressure on put them against the wall

 

was this success through this site or was it done independently.

Share this post


Link to post
Share on other sites

from what I could gather from the story,the guy counted up his charges,wrote them a letter saying you owe me £x-pay up or go to court-and they paid up

 

all on his own,too


Share this post


Link to post
Share on other sites

Just Pulled this off the Consumer council's website:

 

 

 

CONSUMER GETS UNFAIR CHARGES REFUNDED

The Consumer Council in partnership with the BBC Radio Ulster consumer programme, On Your Behalf, has helped Eamonn McGuckin, a Belfast taxi driver, to get over £2000 of unauthorised overdraft charges refunded. It is believed that Mr McGuckin has received the largest penalty charges refund to a banking customer here.

Mr McGuckin used the Consumer Council's two-step guide produced as part of their 'Stop Unfair Charges' campaign to challenge the excessive charges that had been placed on his personal current account by the Halifax bank. This amounted to over £2000 over a 3-year period charged when he went into the red without permission. The bank refunded his charges in full while he was pursuing his case through the Small Claims Court under unfair contract terms legislation.

Share this post


Link to post
Share on other sites

As expected,no refund forthcoming as of deadline at end of business today. Off to NI Courts small claim site to initiate proceedings.


Share this post


Link to post
Share on other sites

Good Luck with your claim,

 

I think you can understand by my above post that the Belfast taxi driver had issued proceedings through the Small Claims court before the Halifax coughed up.

 

I think the general consensus of the Banks is to do nothing until proceedings are instigated, sorry I can't help you further on this as you are further down the road than I am at this stage.

 

But keep your chin up and go for it, you will get your money. The Bank just wants to see how far you are prepared to go...

 

again, Good Luck

 

regards

 

 

Bru

Share this post


Link to post
Share on other sites

as you say,they are prepared to sit back to see how far you will take it.They've called my bluff,and I'm am about to up the ante.I have already started on CITICARDS,although those dumb Indian call centres who throw a wobbly when you deviate from their prepared script still persist in ringing incessantly asking why I haven't sent a payment.

 

When they pay us back around £1400,then they might get some co-operation.....

 

same goes for RBS and Capital One-only a couple of days to go for them.


Share this post


Link to post
Share on other sites

Keep it going Lickthewallfatboy.

I am waiting on First Trust responding to cout papers. They have until 6/7.

We all need to up the ante as you say

Share this post


Link to post
Share on other sites

got a 2 line letter from the Northern this morning- "I am pleased to say my investigations are currently underway and I will respond to you as soon as these investigations are complete,as outlined in my letter of 14 June 2006" too late I'm afraid-claim for £2082 inc interest and costs has just been initiated.(and that's just for the last 2 years)They must think I'm some kind of mug or something!!


Share this post


Link to post
Share on other sites

Keep at 'em...I'm gonna be claiming 25k over six years and unfortunately for the NB I have 95% of the statements so it shouldn't take long to estimate accurately the missing, but I've asked for the statements down to the page numbers.....now run along and get them nasty little bank person.

 

Got a Solicitor who is prepared to do some saber rattling before we go to court...and happy to follow up if necessary should we go to court, looking forward to causing them some of the discomfort they caused me. I hate them so much in the word of a song I believe!

 

Spoke to Nuala Walsh's half wit of an assistant.....she quoted me £8 per sheet. Told her she better go do her homewrok before she made her ignorance any more apparent.

 

 

Clock ticking, I will fight this one to the death. Keep me posted on how you are getting on...go for them.

Share this post


Link to post
Share on other sites

do you really mean £25,000????????

have you got a thread of your own?

are you going through the county court?

 

£25,000??????

Share this post


Link to post
Share on other sites

I know-WOW-should there perhaps be a decimal point in there somewhere,maybe?


Share this post


Link to post
Share on other sites

No boys......no decimal point, all there in black and white on their own statements, month after month £800 or more they are such a responsible bank....not.

 

Thats why I'm gonna deal with them through a solicitor. And every last shackle and some more for all the stress and financial damage.

Share this post


Link to post
Share on other sites

Just another thought has anyone any idea how things work working with these amounts of money, I'm not quite sure I understand properly.

 

Will it be necessary to go to the High Court or not?

 

There are 2 accounts a business account and a personal account.

 

The business has accrued 17.7k in charges and interest on the charges.

 

The personal account has accrued the rest.....not happy reading.

 

Would I be better to treat the sum as one or to avoid High court is it better to apply separately.

 

I have spoken to both an accountant and solicitor and a journalist(who is dying to write about the case), noone can believe just how obscene and blatent the charges are. So no you really did read it correctly....looking forward to getting it all back and suing them for defamation on my credit history also....Then I can start on The Ulster Bank who owe in and around 10k!

 

Then gonna send some money to this site and go on a very nice holiday paid for by the bank think I'll send them a post card.....I really fancy Fiji!! Any suggestions! Answers on a postcard please(sorry)....email will do!

 

PS I totally hate them!

Share this post


Link to post
Share on other sites

obscene was the word I was about to use-that is totally despicable!!!:mad:

 

Definitely go talk to the journalist about this and expose them for the robbing gits they are!!They are still sending me automated charges,stopping debits etc,but hopefully they will have court papers to look at any day now,so let's see what they do then.

 

I am claiming for the first 2 years as that takes me to the 2k small claims limit,and also for the fact that they have still not furnished me with details for further back.

 

I really am starting to get ****ed off with the money lenders-all of them-not just Northern.

 

There's a certain Indian call centre for CITICARDS who are extremely close to being on the receiving end of a right good bollocking!!

 

Have you talked to the Northern on the phone much?How are they reacting to all this?

  • Haha 1

Share this post


Link to post
Share on other sites

I have just been speaking to the very helpful young lady at the Civil Processing Centre in Belfast,and the Northern have been served this morning!!:D


Share this post


Link to post
Share on other sites

Yes, spoke to a half wit at Nuala Walsh's (Northern Bank) office who told me it would be £8 per statement. I told her she better read up about the ins and outs of the law on this one before she revealed anymore of her most unimpressive level of ignorance. The best fun is asking them for the service action report.....if they understand what it is...Northern...asked what it was...might just be the play dumb approach....Ulster Bank....deathly silence. They get 40 days to produce it same as the statement, but you are entitled to go back the entire life of the account....it has every comment the bank have made about you as a customer......interesting reading no doubt.

 

Just called the branch this morning, asked if they would like the page numbers, said they didn't recieve the letter, no problem I said I will email you a copy....by the way you now have about 10 days to come up with the information or we are off to court. They don't realise the amount.....cos they haven't botherd their backsides to follow up, that will be another costly mistake.

Share this post


Link to post
Share on other sites
I have just been speaking to the very helpful young lady at the Civil Processing Centre in Belfast,and the Northern have been served this morning!!:D

 

Excellent.....keep me posted.

Share this post


Link to post
Share on other sites

certainly will!

 

25K

that's what Mr Edmonds on Deal or no deal refers to as "a life-changing sum of money":D


Share this post


Link to post
Share on other sites

Sorry not a service access report......dummie...it is a subject acess request. If they know what it is they go cold.....I love it. I'm phoning to wind them up, bank baiting its a great blood sport....wait til we get to court, and then the press, you are so right the public should know what they are like.

Share this post


Link to post
Share on other sites

ANACONDA, LET ME CORRECT ONE VERY SERIOUS MISTAKE YOU MADE.

 

your holiday in fiji will be paid for by your money, that the bank are holding for you.

 

i think that you should send a pm to bankfodder and let her know of your situation.

the consumer council NI might be worth an e-mail as well.

you should also immediately start your own thread. this case would generate an awful lot of interest. let the bank know that you have a journalist on side with pencil at the ready.

they are not responding to your SAR out of pure fear, they know exactly how much money you are talking about.

 

GOOD LUCK

£25,000???????

still can't believe it

Share this post


Link to post
Share on other sites

Will do thanks....and you are right about the ownership of the money.

 

Thread already started.....should have called it bank baiting!

Share this post


Link to post
Share on other sites
Just another thought has anyone any idea how things work working with these amounts of money, I'm not quite sure I understand properly.

 

Will it be necessary to go to the High Court or not?

 

There are 2 accounts a business account and a personal account.

 

The business has accrued 17.7k in charges and interest on the charges.

 

The personal account has accrued the rest.....not happy reading.

 

Would I be better to treat the sum as one or to avoid High court is it better to apply separately.

 

I have spoken to both an accountant and solicitor and a journalist(who is dying to write about the case), noone can believe just how obscene and blatent the charges are. So no you really did read it correctly....looking forward to getting it all back and suing them for defamation on my credit history also....Then I can start on The Ulster Bank who owe in and around 10k!

 

Then gonna send some money to this site and go on a very nice holiday paid for by the bank think I'll send them a post card.....I really fancy Fiji!! Any suggestions! Answers on a postcard please(sorry)....email will do!

 

PS I totally hate them!

 

Hello Fellow Haters of the Northern Bank

 

I am new to the site and am totally blown away by all this. I have been charged over £300 just in the last 2 months alone. I have been having money problems since my hubby has been out of work due to a incurable medical condition. As you all have been discussing the Northern just can't wait for you to fall on hard times before they stick the knife in with their charges. Every other day another £25 fee pops up on my account and I am having a nightmare. Went into the branch on the Monday and my account manager was too busy to see me. Was told she would get back to me by phone later that day - and I was gobsmacked when I didn't recieve that call, NOT! In fact I had to ring the bank back on Friday from work when I still hadn't heard from them. Sparing you all the bull I was told and cutting the story short I am going in tommorrow and will be bringing my SAR - ( Subject Access Request) letter with me and asking for Nuala Walsh's address if help is not forthcoming. We can do this the easy way or the hard - let's see what happens...

Share this post


Link to post
Share on other sites
Please fill in your quit date here
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...