First Trust deliberately uncooperattive

[lickthewallfatboy]

Check this out

 

BBC NEWS | Programmes | Moneybox | Bank Charges

 

now old news-the case has been settled out of court and it's all systems go for all those affected.There are a couple of threads on here to the effect.....

[big aid]

Assuming you have split your claim of £2247 into a claim for £1993 starting from the earliest date, you can:

(a) When they settle the first claim, ask them to include the later charges.

(b) If they don't play ball, only sign as full and final settlement on that claim and reserve the right to pursue future charges, and start the process again for the rest and any they've added since.

 

the courts have said that only 1 claim can be lodged per account. anyone lodging another claim after the first one has been settled is considered to be abusing the office of the small claims court. any account with over £2000 of charges has to be heard at county court level.

[lickthewallfatboy]

Big Aid

Bankfodder and a couple of the mods take a different view on other threads.Have you had a statement from the Northern Ireland Court Service?

[big aid]

have read it somewhere on a link from this site--- i will go looking

[lsmmcd1]

I e-mailed the BBC Northern Ireland radio programme (ON YOUR BEHALF) [/url]

 

Question: I am writing to you to ask you to let me know what your views are on the serious problem of unlawful penalty charges which are levied against their customers by the Northern Ireland (BIG 4)Banks.

 

Reply: We have recently covered this subject on the programme. As you probably know the General Consumer Council for Northern Ireland are interested in hearing from everyone who has any complaint as they are documenting cases for investigation. If you haven't been in contact with them, please do so on 02890 672488 or access http://www.gccni.org.uk/ Their address is Elizabeth House, 116, Holywood Road, Belfast BT4 1NY.

[lsmmcd1]

Got a reply from First Trust today

 

Dear

 

With reference to your letter dated 3rd July we would advise that your complaint is still being investigated and we hope to be in a position to respond shortly.

 

Yours sincerely

 

M. Gourley

Customer Care Unit

 

 

Help needed!!

What is the procedure for taking First Trust Bank Northern Ireland to the small claims court ?

Can I add Intrest when claiming ?

[lsmmcd1]

I tried last year 2006 to reclaim bank charges from First Trust, only I did not take them to the small claims court.

 

I am back on their case this year 2007, this time I am very willing to go the full distance and take them to the small claims court.

 

Please any help would be welcome...........

 

I have sent new letters requesting First Trust Bank to pay back all my unfair charges of £1995.00 over the past 3 years.

Got reply 2 days later saying they are looking into it.

 

I sent First Trust Bank the next request that if I did not get the charges I will be taking them to the Northern Ireland Small Claims Court.

 

This time they waited the full 14 days until I got a reply HELP

 

Dear .........

 

We refer to your complaint dated 16 may 2007 which requests a refund of al defult charges that have been applied to your account.

 

You had already requested a refund of charges in July 2006 and we fully investigated your request subsequently issuring our final response on 28 September 2006 To allow us to deal with your complaint dated 16 may 2006 can you please provide details of how this differs from your original complaint in july 2006.

on receipt of this information we will be able to progress the mater further.

 

Yours sincerely.

 

HELP NEEDED

WHAT SHOULD I DO NEXT ?

ANY IDEAS FOR A TEMPLATE LETTER WOULD BE WELCOME THANKS.

LSMMCD1

[johnspeehs]

hi there

just send them the standard lba from the library and get the ball rolling,then when the 14 days are up put your claim in, its the only way to get any action from them.they are still settling before court,i know of 2 being settled at the minute.

regards john.

[lsmmcd1]

Thanks for your advice.

[mrsideline]

Hi,

Anyone out there claiming from First trust Bank who are over the Small claims amount ie £2000 who have proceeded with a Civil Bill?

 

My question is do you need to use a solicitor to issue a Civil Bill?

 

 

Does Splitting the claim work? ie claiming in tranches up to the small claims limit each time?

 

Is there anyone who has successfully claimed from First Trust?

 

Also has anyone managed to get their T&Cs from the First trust ie the original ones they agreed to when they opened the account? I've been told by the same that they destroy any 'old' copies of T&Cs when they issue updates as any the new T&Cs automatically invalidate any previous versions. I've been told the Freedom of Information Act may have relevant parts relating to this. Would anyone have any insights or experience relating to this?

 

Thanks

 

mrsideline

[bally35]

I would have thought that for compliance reasons that they would have to keep them .

Also how can they argue that you agreed to the terms and conditions when you opened your account, if they cannot provide a copy of same for reference

[mrsideline]

Thanks Bally35

Knowing them so far their approach will be that because I didn't object to any new T&Cs then that would be a tacit acceptance of the new T&Cs. Like most people I tend to ditch the 'bumf' from banks etc. There must be some sort of paper trail at the bank showing how their T&Cs have 'evolved'. Just need to find the relevant legislation to force them to divulge that info.

[bally35]

And have you recived a copy of their new Tand Cs effective from 29/05/2007?

No, cos noone else has, a breach of the banking code which states that they will inform you personally (letter, brochure etc) at least 30 days prior to any change when the change is to the detriment of the customer.

I think I might give them another wee complaint letter about this.

Is anyone else going to?

Oh and the Banking Code Standards Board

[Bigdess]

Hi

 

Just a quick note a friend of mine at work received her statements from FT not full statements,instead she received a complete breakdown of all charges deducted from her account over the last six yrs right down to the last penny.Also I have an ongoing claim with FT,I contacted them today and was told that I would be susprised by their responce,I explained that I intend taking the matter to the small claims court,the individual I spoke to told me I wouldn't have to do that.I wonder whats going through their heads. I have taken the decision to contact two local MPs one of which in an MLA (done today with all relevant info) I have also filed a complant with the Financial Ombudsman Service. To be honest I am fed up with the way FT have treated me down through the years they are a right shower of F-----g B------s.

 

Bigdess :-|