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Curleybap v Ulster Bank


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I sent off my first reclaim letter on 7 March to my local branch. Received a reply today from my branch thanking me for my letter which they claim to have received on 14th - a full week later. Do i now have to wait 14 days from 14th before sending off the second letter or can i send it 14 days from the 7th? I was intending to allow a couple of days lee way but not a full week.

 

My kind caring bank manager is sorry i have found cause to complain but welcomes the opportunity to address the issues i have raised. Their customer relations unit will be in touch shortly and they are committed to handling the matter quickly and effectively as i will seef rom their enclosed leaflet - which they didn't bother enclosing :-|

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Ok i'm going to stck to my own timetable and will post my LBA tomorrow unless anyone can advise otherwise.

 

Just out of interest what i am claiming back are direct debit create and cancel charges, irregular account charges, unarranged borrowing fees and referral charges. A total of almost £800 over the last 6 years. I take it i'm entitles to claim all these?

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dont think you are able to claim dd set up/cancel fees as these are charges for a service not a penalty ! the others are fine !

if my advice has been of any help to you then please click the scales ! Thank you :D

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no you can alter your amounts in any letter but when you issue court proceeding you have to make sure you have your totaals right every things fine up to then !

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if my advice has been of any help to you then please click the scales ! Thank you :D

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No Hephalump I sent for the statements at the end of January and received them after about 5 weeks. There was no acknowledgement letter or anything. They wrote to me telling me my statements were ready for collection at my local branch

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Sent my LBA off last friday 23rd and today received a letter dated 22nd from the bank's customer relations unit. Apparently the charges are fair, reasonable and transparent and they will not therefore be making any refund.

 

Can i now move to start court proceedings, or, as my LBA was sent after they issued this letter, do i still have to give them the 14 days to consider that?

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give them 14 days ! should your case go to court by giving them 14 days it shows to a judge you have been reasonable in trying to negotiate a settlement ! stick to your schedule if nothing heard in 14 days issue proceeding although i think you will find they will credit your account with a goodwill gesture anything from £60 to £150 has been known to be credited to other claimants accounts if that happens just subtract it from your total and claim the remainder through the courts ! they will settle before it goes to court as court is the last place these peoplewant to end up in just keep the chin up and keep at it you will get there in the end !

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if my advice has been of any help to you then please click the scales ! Thank you :D

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hiya curleybap, we would follow the english version, it's 8% statutory interest here too. i also read somewhere that in norn iron we don't need to bother with a preliminary letter, you can just wade in with a letter before action, and also - reassuringly - that ulster bank don't drag things out, unlike some. all the best!

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Curleybap, I have lodged an on-line claim against the Ulster Bank. The small claims court in Belfast was extremely helpful. Their details are on the Northern Ireland Courts web site..

I used the English spreadsheet and claimed 8% interest. You have to limit the amount claimed to £2000 and state that you are willing to abandon the excess. You claim the interest on top of that so if it excee£2000 it is ok.

I'm waiting for a response now. Will keep yyou posted....

:cool: :cool:

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Thanks Hamishcat and good luck. Yes please do keep me and everyone informed. I had a quick look at the Small Claims website before and it looks pretty straight forward (hopefully). Can i check - what is the date the claim arose? Is it the date of my first letter to the bank requesting statements or the date of the first charge? And what date do i claim interest to?

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the earliest date you can claim from is 6 years back from the date you lodge the claim, or the date of the first charge, if that is later. the spreadsheet i used calculated interest on a daily basis right up to the date i filled it in (and updated it every time i opened it) - you just log the details of what you paid and when, and it works it out for you. all the best!

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Hi Curleybap

I am doing my brothers claim for him. I live in Wales but am claiming from the Ulster Bank from when he lived there. The problem is the claim is for over £3000. Does Ulster Bank have an English address so i can use mcol from here.

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Sorry for the late reply Nuala. I haven't been able to find an address for Ulster Bank in England. I have been writing to my local branch here though the last letter i received from them was from their Customer relations unit at Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB. Their number is 028 9027 6025. Good luck.

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Know what you mean....Since filing on line there has been an onimous silence. Also, just realised how much photocopying I'll need to do. I am waiting for the court to ask for my 'evidence' before I start.I hope this is right but their website is pretty good. Good luck curleybap!:roll:

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Good luck to you too Hamishcat - Keep me informed of how you get on. Been reading some of the posts about collating court bundles and it all seems very complicated. Hoping Ulster Bank will go for early settlements :D

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  • 2 weeks later...

Help our account is joint but we have set up an either or agreement, in that one or other of us can request information with regards the account.I had originally sent off letter with my own signature. The bank now 36 days on have returned that letter stating that we both must sign and the 40 days will only commence from the date they receive that letter....please help because Iam at my wits end.

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Hephalump i'm not sure where you stand. If i was you i'd contact the Information Commissioner and get their advice. There are some details attached to the DPA request letter in the templates library. This could then be followed up by a quick phone call to the bank. Good luck.

 

You should start your own thread so that more experienced members than me can see your posts and give you better advice.

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I'm new to this forum but after recent experience with Ulster Bank ..with whom I have been a customer since 1966!! ... I am about to try to claim back my "unfair charges". They do not amount to very much...I am a very careful spender :cool: However I am so annoyed:evil: at the attitude of the "Customer Care???? Assistants at the Ulster Bank Mastercard Call Centre that I will claim what I can.

 

What do you think of this scenario ...

 

Statement 17/01/2007 ..minimum payment (£151) due by 11/02/07 No Arrears .. payment (£600) reached account on 9th February.

 

Statement 17/02/2007 ..minimum payment (£175) due by 14/03/07 .. payment (£300) .. although made on-line 12/03/07 did not reach MasterCard account until 21/03/07 so 16/03/07 "late payment charge £12" raised.

 

Statement 17/03/2007 ..Arrears £175 because of late processing of March payment. Minimum payment (£354) due by 11/04/2007 - note here that I had already paid £300 on 21st March ..on line payment (£300) made 10/04/07 ..I know..a little late:-? and so not processed until 12/04 (1 day late!) so another "late payment charge £12).

 

 

Result over three months ... Total of Minimum payments due... £505.

 

Total actually paid ...................£1200.

 

Account up to date at 12th April.

 

Late payment charges.................£24.00

 

So although I paid more than twice the amount I needed to ..because I was a little lax in choosing when and how much to pay at any given time ..presumably when I thought I was paying early I was actually "paying late" ..I received a penalty of an additional £24 added to my account. Yes I should have looked at the statement to see exactly when I was "allowed" to pay ..but surely the fact that I pay regularly once a month and always considerably more than the minimum amount should

count in my favour...apparently not to the "caring Ulster Bank".

 

Yes I know..as the Call Centre "ladies" chanted over and over again like automatons "you broke the terms of the agreement":D apart from that they refused to discuss my account except to say that I would get no refund of the charges. I went from the initial female to her manager ..but they could both only repeat the same thing and blame the

computer for not allowing them to look at my account as an individual

case. As a "Senior Citizen" I tried to explain that £24 was quite a large sum to me ..they didn't care ...in fact if David Walliams (Little Britain) ever

needs a stand-in then either could fill it nicely "The Computer says Noooo!"

 

I would add that my Current Account is also Ulster Bank "uFirst" and that I make my online payments through the Ulster Bank Anytime on-line website

by transfer from one account to the other with a few taps on the PC keyboard. Why this takes four or five days to transfer to Ulster Bank

Credit Card accounts Heaven knows...the Call Centre certainly doesn't!

In theory...to an OAP like me ..my money is in the Ulster Bank...I pay it

to the Ulster Bank before the due date so they already have the money in their "system" somewhere ...how it gets from A to B should not really be

my problem and I certainly shouldn't have to pay £24 extra if they can't find it on time. I suppose to stop this I will have to arrange a direct debit

..I don't really want to as I prefer to pay in varying amounts as and when I can. Of course the Credit Card Companies prefer minimum payments so they can keep on adding the interest. They certainly don't want you to pay early .. but only when they give permission .. and with knowledge that they can delay processing the payments for a few days or even hours and catch you with the "late payment charge".

 

Matt

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