Jump to content


  • Tweets

  • Posts

    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Northern Ireland Banks


thebakerboy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6568 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Can anyone tell me if all this legal stuff applies to banks in Northern Ireland, as all references that I have found relate to England/Wales or Scotland. I beleive that the Royal Bank Of Scotland owns my bank, does that make any difference to any claim if any?

 

Thanks for any help on this matter.

Ulster Bank Claiming £1119 Refusal: we believe our charges are fair!!! :lol:

Starting claim 12/09/06

Link to post
Share on other sites

yes the most of it does.

Which bank is it?

Data Protection Act sent to Nationwide 19/05/06.

Statements received 24/06/06 - Charged £1,954.50 :eek:

Prelim letter sent to Charles Bacon 27/06/06 :)

Cannot refund letter from Sarah Watson 07/07/06 :rolleyes:

L.B.A. sent to Charles Bacon 18/07/2006 ;)

Claim deemed filed 30/08/2006 8)

* REFUND TIME * 15/09/2006 :p

*£1945.50 + £443.37 interest + £62.00 Court fees*

** DONATION MADE **

Link to post
Share on other sites

Yep thats the one, THE ULSTER BANK, with their fab new adverts about not charging, lol:D. I can be almost certain that at least once a year i will get caught by being over by £2 or sommit, and then their charges come out and leave no money for the direct debits that are due. The next thing you know the company is ringng telling you that their direct debit was return unpaid.

 

So aaronmcl how are they responding to your claim, being awkward as usual?

Ulster Bank Claiming £1119 Refusal: we believe our charges are fair!!! :lol:

Starting claim 12/09/06

Link to post
Share on other sites

I'm just starting my claim against the Ulster bank which has treated me shamefully over the last couple of years and displayed an arrogance that I have found very distasteful. I had thought that I had no choice but to accept these bullying tactics, but the very thought that there is something that I can do has given me no end of hope!.

Jeremy:)

Link to post
Share on other sites

I started my refund at the beginning of may with Ulster Bank and guess what - nothing!!!!! I used this letter http://www.govanlc.com/step1_letter.html twice!!!

I have sent them a letter everyday for last week, and they have not had the courtesy to even acknowledge them!

I have another letter drafted to send tommorow, but I am really annoyed that I have had no response - bad bad manners!

I would like to highlight, publicly, Ulster Banks appaling service. I find their telephone bank staff useless, the branch staff patronising and whoever writes those letters in Belfast, really lacking empathy.

I don't feel hopeful about getting my £1100 back, but I find it strangely comforting that I am not the only person suffering at the hands of Ulster Bank.

Link to post
Share on other sites

i have started a clim in NI against the halifax, but there are others in the other institutions section who are claiming against the NI bank, the local banks in NI are notoriously bad at customer service but keep at them if they haven't replied you start a claim using an estimate as long as you can show some of the charges, ie usually you get charged £10 per month the account has been opened for 7 months therefore you are claiming £70, you also need to stsate the amount claimed is a estimate.

Link to post
Share on other sites

you wanna try the first trust if you think the ulster is bad the arrogance of my branch manager never ceases to amaze me. mind you when i have my 11k plus 8%interest back i might just be a bit arrogant myself. lol

Link to post
Share on other sites

Re Northern Bank ::does it matter if i haven't got all my statements to calculate my charges??only a few missing...does it matter if my calculations are different from thiers...???

Also can you tell me if it is lawful for credit card companies to charge me for duplicate statements..?? One was looking £3 per statement ,, for 6 years worth thats a lot on dosh...

 

please help as i am eager to get the letters sent to the people who have my money

 

:cool:

Link to post
Share on other sites

hi finbar

you can get all the information you need by writing to your banks and ccc,s and ask for a "subject data access request under the data protection act. there are plenty of template letters around you can use. get all your information and count up your charges. you can also claim 8% interest on the charges.

Link to post
Share on other sites

I have just received my 'get lost ' letter from the Royal Bank of Scotland for my request for £900. Many thanks for the 'govan' letter which I have just typed and will send off today recorded delivery. When I get my refund I will be making you a donation. This is a super site.:) Take if they ignore me I then go to the Small Claims Court ?

Link to post
Share on other sites

First forgive any errors or omissions as am a complete Newbe and have very little time to read everything (too busy working overtime to keep paying charges)

 

My main account is with the Halifax. Last month I went £24 over my agreed limit for 24 hours. This cost me £60, half of which they refunded as goodwill, but they had removed my name and substituted my Fathers name (he also has an account with them) this happens on a regular basis, last time was the other way around.

 

When ringing the Bank I was told that the only way to sort this out was to go to my branch, this would cost me time off work, transport cost etc; As this is their fault does anyone know or have suggestions as to how I could charge them a referral fee for my manual intervention. (cheeky letter templates appreciated)

 

 

Ta Andy:p

Link to post
Share on other sites

First forgive any errors or omissions as am a complete Newbe and have very little time to read everything (too busy working overtime to keep paying charges)

 

If you're not prepared to read the FAQs or put in any effort yourself, then you're not going to get your charges back.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

your gettin into something which you would end up wishing you had never started. why dont you stick to doing what we all know we can do and claim back your charges. its been proven to work where as trying to charge them a penalty charge kinda flys in the face of what we all represent.

regards john.

Link to post
Share on other sites

I have sent of the letter asking for the fees back what I am looking for is not a penalty but redress. This is the third time they have changed the ownership of one of my accounts. On the previous two occasions after trying unsuccessfully to sort it over the phone I had to take two mornings off work, car parking charges etc:

I can justify my costs not like them.

Link to post
Share on other sites

After getting my £670 "gesture of goodwill", Ulster Bank went on to charge me for £30 for being overdrawn for May - on the same day!!!!!!!:eek:

 

I blew a quiet, but effective fuse, and have now sent another letter asking for the rest of my charges!!!! I have used this letter.

http://www.govanlc.com/step_2_letter.doc

 

I have adapted it for me, but I am hoping this one will put the wind of god up them!!!!

 

Wish me luck!!

Link to post
Share on other sites

After getting my £670 "gesture of goodwill", Ulster Bank went on to charge me for £30 for being overdrawn for May - on the same day!!!!!!!:eek:

 

I blew a quiet, but effective fuse, and have now sent another letter asking for the rest of my charges!!!! I have used this letter.

http://www.govanlc.com/step_2_letter.doc

 

I have adapted it for me, but I am hoping this one will put the wind of god up them!!!!

 

Wish me luck!!

Link to post
Share on other sites

Have been reading site now and a going to open a new bank account on Monday. Then im sending off my DPA to the ever so helpful Ulster Bank!! Have been charged to the hilt for years and am looking forward to getting stuck in to them!! If anyone has any info regarding how small claims work in N Ireland (bar the £2000 limit it) it would be good to know. Thanks and good luck!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...