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jackster77
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hey guys I'm in a bit of a dilemma with regards to 2 bank accounts

 

I used to work for a bank and have since left and have been subjected to a large number of bank charges with this bank - sometimes I'd phone the branch that i used to work for (were my account is) and they would refund a token amount of these charges so I was thinking of claiming back all the charges but would this seem unreasonable to the guys in the bank that I used to work in???

 

Also I had a loan and an account with another bank i got into difficulties and got charges on the account etc - I got a full and final settlement from this bank and they knocked about £1500 of a £5000 debt - debt cleared account closed no record on credit report - should I let sleeping dogs lie here as the bank knocked some cash of my debt

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For what it's worth Jackster, you're claiming from the Bank rather than the branch specifically. All your letters will be going to the Head Office so your branch doesn't even need to be involved. And as seahorse says, who give a f..monkeys (!) what they think..it's your money at the end of the day. They weren't doing you a favour taking, or refunding some of the charges.

 

As far as the other loan goes, if it was a full and final settlement I think it would be tricky re-opening that can of worms. I'd personally leave it but the choice is yours :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I agree Jackster, and as seahorse says, if it won't affect you current job then go for it.

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  • 1 month later...

thanks for your advise guys have started a thread about the ulster bank will be posting in it from now on see below

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/79927-jackster77-bank-ireland.html

 

am waiting on only 4 statements from them to be received within 5 days will be posting on thread above how I get on

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Good for you :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, I agree, sometimes it is best to leave such things well alone, expecially if there was no damage to your credit rating. Just consider the £1500 that they knocked off as the amount you would have reclaimed in charges. I think you didn't end up too badly in the end :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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