nishields vs. ulster bank, nishields vs. northern bank

[nishields]

Hi Everyone.

 

Helping my mum and a work colleague, and a work colleague's brother through the process against both Northern Bank and Ulster Bank, status is as follows:

 

Work colleague taking on Northern Bank, charges amounted to just under £2k without interest, they instantly offered £950 in settlement even though charges are fair and reasonable etc.... Settlement offer was declined although colleague was willing to make a counter settlement without prejudice of £1750, awaiting response within 14 days given. Also have to give northern their dues as they sent statements out well within 40 days and made a settlement offer within 2 days of receiving claim letter, bless them

 

Mum: just received statements from ulster bank, played many games over statements, as other board members have mentioned, they claimed to only receive letter a week after posted, they claimed they had 40 working days not 40 days to respond and eventually ran over both 40 days and 40 working days, 4rseholes. Estimated charges are about 3k, i've noticed several comments on here referring to splitting claims to keep them under the 2k limit for ni small claims, just wondering if anyone can advise how this is generally done, is this for specified periods or for specified charges eg one letter for 3 years, another for further 3 years, or one letter for referral and another for unpaid DD?

 

Work Colleague's brother: sent letter requesting statements to Northern, will wait and see.....

 

Any help greatly appreciated! And good luck to everyone......

[nishields]

Further update just this morning, Northern have just replied to my work colleague on the counter offer stating that this matter is under investigation and that they will reply within 20 working days, seems like further stalling on their part. Would advice be to proceed with court action on the end of the 14th day?

[glav]

Hi nishields

 

I have just sent my SAR to Northern Bank (4May). Can you tell me how long it took to reply with the information? Thanks

 

glav:)

[nishields]

Hi Glav,

 

Certainly, they replied to the first guy within no more than 30 days (he can't remember exactly but estimates 3-4 weeks), still waiting on a response to the other but they do appear to be one of the more cooperative banks......

[johnspeehs]

hi there

splitting claims dosent work here in ni the court sees it as an abuse of the small claims system. the banks know this as well and wont pay out on a second claim as far as i know. you need to use a civil bill through the county court.

regards john.

[nishields]

Cheers John, much appreciated.

[nishields]

Update: northern bank wrote back to work colleague 'your account overdrawn frequently bla bla bla' end result they're willing to pay out 1750 in full and final settlement, which colleague is happy to accept. That was damn easy, no court, no legal process whatsoever.......

 

Round 2 with northern bank still to come, ulster bank also still to be pushed......

[conlee]

Hi Was reading all the above, can you tell the splitting claims thing, does that apply to the one account, ie is it a different story if there is two account is business and personal. Thanks

[nishields]

Hi Conlee,

 

I'm not 100% sure where you're coming from but if you're asking with regard to filing seperate claims for business and personal accounts, then to my knowledge that is acceptable. Is this the case where you want to distinguish between accounts or is it because of the sums involved?

[conlee]

Hi

 

It is because of the sums involved, the account that I am checking first has charges of nearly £3,000. I don't know yet what the total for the personal account is. So I was checking that we will be able to make a claim for both accounts as they are under the same name.

 

Thank you very much for replying to my queries.

[johnspeehs]

hi conlee

you must claim for seperate accounts on seperate claims you cant bundle them up together.

if your claim is for more than 2k on each claim you will either have to forfit the amount over 2k on each or use a civil bill instead which goes through the county court.

regards john.

[nishields]

2 quick updates, bully boy tactics and stalling have commenced on both other cases:

 

Ulster bank have cancelled my mums o/draft without notice, 15 days after the date it apparently was only agreed to (anyone ever heard of a overdraft arranged for 3 1/2 months:-? ) and head office have to approve a renewal. Little do they know she's waiting on a huge divorce settlement and the charges will be stuck to them in the next few weeks.

 

Northern bank have told the other guy that they cannot provide a service to him for direct debits etc and that he should find another service provider. still waiting on statements.

 

i'm beginning to enjoy this in a twisted sort of way, they'll all get their comeuppance eventually!

[glav]

Nishields

 

Thanks for the reply on my thread, will get letter hand-delivered to NB tomorrow.

 

glav:)

[nishields]

no probs glav, good luck!

[nishields]

latest update, 2nd claim proceeding against northern bank, prelim letter 4 claimant sent today, falls almost indentically to his brother's claim, lets see if northern roll over again.

 

Ulster bank are still playing games, reinstated overdraft for one month, finishing in middle of month, aboslute joke. mum expects settlement by end of july so will take it from there and keep u all posted....

[nishields]

preliminary letter now on way to ulster bank, settlement through and they owe a total of £3229 excluding interest, will be interesting to see how they respond as my mum is about to put a large 6 figure sum in her account, perhaps only to move it to another bank soon to spite them

[TheNorthernWarrior]

hi there

splitting claims dosent work here in ni the court sees it as an abuse of the small claims system. the banks know this as well and wont pay out on a second claim as far as i know. you need to use a civil bill through the county court.

regards john.

Hi johnspeehs, that is not strictly true. You can split claims here in N.I. cos i have and so has LTWFB. If a claim is above 2k , then you can split it to under the 2k or just on the 2k. Once this claim has been settled and only then, submit the other claim immediately. You do not have to notify the bank, all that is needed if the bank asks when settling the first claim, is that ' I/We accept your kind offer of blah blah for claim number' and that is IT! As in my case once i received my first money i just put in for my second with my £62.00 and that was that. These could be seen as one claim but then the bank did have the chance to settle for the entirety in the beginning and also, this can be translated technically as 2 different claims. The only thing I will say is just be aware that in Belfast there is a certain judge who may deem this to be abuse of power, as I was personally told by a very kind member of the small claims court, but YES, you can SPLIT your claims!! Hope this clarifys the situation!

NorthernWarrior.

[glav]

CONGRATULATIONS nishields on the new addition to your family. Hope all is well and there are not too many sleepless nights!! Received 94% offer yesterday, sent back acceptance receipt today, made a few amendments to it by scoring out the sentence that says I will never make another claim, and gave them until next Friday to send me banker's draft or else I may have to reconsider my position!! You are right, I have given them ample time and my patience is now running a little thin!

 

glav:)

[nishields]

Latest update, another victory against Northern..... guy went to meeting with bank and accepted 85% of charges (against my advice!) but no court, no time lag no nothing.

 

On a sour note, had told both these guys didn't want anything for helping them along, just asked that they give me a donation for this site, neither has done:mad: . w4nkers. Can't see me helping those outside family again.

 

LBA going to ulster bank for my mum tomorrow, not giving them the chance to claim 12th and 13th influenced their ability to respond and all that crap.....

[bally35]

Apparently even FOS are having trouble getting information from Ulster Bank at the moment..........

[lassie33]

Just thought I'd let you's all know that my friend was taking Ulster bank. He was about to submit court action when he got a letter from them Saturday week past to say that he was getting all charges back. As of today he still hasn't got the funds.

[heyshlanta]

I received my offer letter on a Saurday as well. I waited for 1 week and then rang them(the no. on the letter) on the Monday. They told me the money would be in our account by the end of the week but when I checked an hour later,it was there.

[nishields]

mum got letter from ulster bank goin on about charges and test case etc, usual guff and bulls***. waitin on mum coming back from hols then will file the case anyway, fook em!

[noomill060]

Just let interested parties know that the ICO forced the Northern Bank to supply my statements going back to 1987-93.