claiming fees back in northern ireland?

madjj111

Barry,

sorry for not gettin back sooner mate.

you have to claim the referral charges mate - i have claimed mine from nov 2000.

Waiting from original request in feb -

before you can go to FO you need a reply from bank - so complaint lodged with FO pending reply from First Trust

have a contact in customer services for First trust

lorraine.Whitsitt@aib.ie

good luck

bubble70

hi guys im in the process of trying to get my charges from bank of ireland, in N.I can i claim 6 years or is it 5 years ,and has anyone from northern irelend been to the courts with theres because the amount i am claiming is 3k and max here is 2k

cheers guys

millsjason

ok so to cut a long story short, i have sent my letter threatening court action to the Ulster Bank in NOrthern Ireland and they have replied in time but the letter has stated that it could take them up 6weeks before i get a response to do with am i getting my money back! what i want to know is is this normal procedure? I havent read of anything like this before. Or do i just go ahead and fill in my small claims court form and just send a letter to Ulster Bank and tell them im taking them to court?

cobrien

Help please
i am trying to claim £689.36 incl interest from Natwest i have created an account on https://www.courtsni.gov.uk but once i entered the details of bank the next screen asks date claim arose?

is this the date of the first default charge reclaimed.

Interest do i add interest from calculator and do i recalculate this since 28 days have elapsed since first letter was sent?

what wording do i put in details.

please help as most of the posts i have seen refer to moneyclaim online and the law in england not the anomalies of Northern Ireland

mackers8923

Hi

The date claim arose is the starting point of your 6 years of which your claiming for. Keep your figures as per your first letter!

This was the details of my claim, minus the obvious details!

Claim Description
1. Between 19/04/01 and 29/01/07 the Defendant applied numerous default charges to the Claimant's
bank account. It is understood the Defendant contends the charges were debited in accordance with
its contract with the Claimant.
2. The charges applied are an unfair penalty under the Unfair Terms in Consumer Contracts
Regulations, which state: "A term is unfair if it requires any consumer who fails his obligation to pay
a disproportionately high sum in compensation". The amount charged does not reflect the cost of the
breach.
3. Under the law of penalties, the charges are an unlawful 'extravagant' penalty. A charge is a penalty
if it does not reflect an item's true cost.
4. Under the County Courts Act 1984, the claimant is entitled to interest at a rate of 8% per annum
from the date they were first deprived of the money. This totals £229.59, continuing to accrue at the
statutory daily rate of 0.021% until judgment or earlier payment.
5. The Claimant therefore asks the court to enter judgment in their favour for £978 plus interest,
totalling £1207.59

Hope this helps

mackers8923

bubble70 wrote: »

hi guys im in the process of trying to get my charges from bank of ireland, in N.I can i claim 6 years or is it 5 years ,and has anyone from northern irelend been to the courts with theres because the amount i am claiming is 3k and max here is 2k

cheers guys

You can claim for 6 years however you will not be permitted to claim over the £2000 limit and the courts service are on the ball and won't allow multi claims for the same account!

Go for the £2000 Good Luck!

Edinburghlass_2

bubble70 wrote: »

hi guys im in the process of trying to get my charges from bank of ireland, in N.I can i claim 6 years or is it 5 years ,and has anyone from northern irelend been to the courts with theres because the amount i am claiming is 3k and max here is 2k

cheers guys

6 years but like Scotland as you are limited to the amount you can put through the NI court online, please have a read of Martin's article regarding putting your claim through the Financial Omubudsman. You can pass your claim to the FO after you have been dealing with the bank yourself for 6/8 weeks.

HBELL6

TraceyS wrote: »

Hi there, I have just sucessfully reclaimed £3246.13 from the Ulster Bank. I had to go to the small claims online facility, but I think you will agree, it was well worth it. First Trust are proving more tricky, but I hope just posturing. Keep at it, they know they are complete charlatans and they hope you will give up, DO NOT, sue the mothers! TraceyS

Can u help me? i thought here in NI that you couldnt claim more than 2k?

muffie

Hello just starting out on claiming bank charges. Any help or advice would be good. Trying to claim from the Bank of Ireland. Where do i send the letter to request my bank statement's to.

styles_2

muffie wrote: »

Hello just starting out on claiming bank charges. Any help or advice would be good. Trying to claim from the Bank of Ireland. Where do i send the letter to request my bank statement's to.

I'd drop it into the branch and ask them to send it to head office.
Alternatively the head office details will be in the phone book.