Need Help - First Trust Bank - N.Ireland

burkey38

First off I apologise if this thread is in the wrong place but I appreciate any help

My wife and I have a joint account with the First Trust Bank in Northern Ireland.

I have obtained 6 years statements and the charges amount to £5500 before interest is added. Are charges older than 6 years from say July 2003 exempt? This is over the small claims limit of £2000 for Northern Ireland.

I already went to the small claims court in 2007 and had charges refunded on an account I held on my own, can I make another claim on this account since I signed some sort of "agreement" then?

Can my wife do it on her own or are both parties required to be named as claimants?

Should I claim just as I did before or go down the hardship route since we have mortgage arrears and other sebts and my wife is not working?

Sorry for all the questions but I'm a bit rusty on this!

Thanks


Gareth

natweststaffmember

burkey38 wrote: »

First off I apologise if this thread is in the wrong place but I appreciate any help

My wife and I have a joint account with the First Trust Bank in Northern Ireland.

I have obtained 6 years statements and the charges amount to £5500 before interest is added. Are charges older than 6 years from say July 2003 exempt?
Charges going back to July 2001 are valid to claim
This is over the small claims limit of £2000 for Northern Ireland.

I already went to the small claims court in 2007 and had charges refunded on an account I held on my own, can I make another claim on this account since I signed some sort of "agreement" then?
If you signed an agreement not to claim on the account in question then the answer is No. If not then yes you can claim.
Can my wife do it on her own or are both parties required to be named as claimants?
see above
Should I claim just as I did before or go down the hardship route since we have mortgage arrears and other sebts and my wife is not working?
If you have no repayment arrangements in place then you may be able to do so.
Sorry for all the questions but I'm a bit rusty on this!

Thanks


Gareth

hope the answers help....

burkey38

Thanks for the info, just realised one more thing, the joint account we now use, used to be in my wife's name only.

Should we claim in her name only, mine or both?

Thanks again


G

natweststaffmember

burkey38 wrote: »

Thanks for the info, just realised one more thing, the joint account we now use, used to be in my wife's name only.

Should we claim in her name only, mine or both?

Thanks again


G

It is what the account is now that is important for the time being.