im not sure about that dessie but you might be better sit it out and see what the FO come up with as there have been a few sucess,s with them recently. if you start a civil bill against FT it will take several months to get to court so its not speedy either. regards john.

yes plenty of ppl have got back their money from ft but you will need patience as they dont roll over easily. regards john.

good news diane glad to see they didnt hassle you to much. all the best and enjoy. regards john.

sit tight diane staceys thread should be putting a smile on your face too. regards john.

hi beggsie yes you can go into the library and use the poc small claims,, just adapt it to suit your circumstances. regards john.

now theres a surprise the old FT being stubborn .lol when i first complained about my charges my manager wrote to me and stated "after perusal of your account i feel our charges are more than justified". Well after perusal of all the threads about FT and their cockups i think a refund is more than justified.lol. regards john.

yes when you claim online you pay the fees at the time but of course you get them back when you win. will cost you about £62 to claim for that amount. regards john.

hi beggsie give me a bit more info i will try and help. is it less than 2k+interest+costs?. if so you can do it online it costs about £60. over that you need to use a civil bill which you have to do in the court office costs £140. regards john.

yes diane i see court dates for sept coming out already. with ulster they seem to settle before the defence stage so hopefully you wont have to wait to long. regards john.

hi diane anyone i have spoken to with a claim against ulster has been sucessful and you will be no diffrent.. have faith!!!!!!!. lol regards john.

well done to you diane you should have no problems with ulster bank. regards john.

hi there go ahead with your claim they are only stalling for time once you get your claim in then the ball starts rolling. regards john.

hi if you check out stacey vs ulsterbank thread i posted the adress for ulster bank there a cpl of days ago. regards john.

no question about it stacey im hearing about claims being settled by ulster bank everyday now for a lot bigger amounts than yours. eg£7000+ £3000 £2450. and the list goes on. regards john.

you will need to organise a court bundle stacey but i can help you with that ie. all letters ,spread sheets, case law etc. dont worry though you wont need it they will pay up. regards john.

watch the quartly fees these arent reclaimable although some ppl have got them back. referal fees, bounced cheques and dd,s and letter fees are what you should be claiming. regards john.

what a load of cobblers that is they must think we came up the Bann in a bubble. why do ft have to be such akward as--les they know damned fine that they must supply it under the DPA. write back and ask them what system they are held under and you will report them to the information comissioner for non compliance. regards john.

hi there yes first trust are very consistant in that they are a shower of akward b- -----s with everyone, but with small claims once you get to the court stage they pay up just the same as the rest. i think it was Bally that said someone in first trust told her it was all down to how good a customer you are as to whether or not they refund charges. the reason you can reclaim your charges is that you have broken your contract and they have charged you an excessive amount to cover their loss.this makes it a penalty charge. regards john.

hi stacey what stage is your claim at?. usually with the ulster bank you have to file with scc but thats as far as it goes. most ppl get a letter saying its not worth them defending bla bla bla and pay up. regards john.

yes your right diane its 21 days for civil bill 28 days for small claim.that was the question stacey had asked me. regards john

i more thing diane post your civil bill to ub head office.the adress is ULSTER BANK LTD group head office 11-16 donegal square east belfast BTI5UB sorry for hijacking your thread stacey the bank have 28 days to respond. regards john.

hi again wouldnt worry about taking the statments the spread sheets will do fine. john

hi diane yes you have everything covered there. it will cost you£140 to lodge your civil bill. you then need to send it by next day special delivery to the bank. i photocopied mine and sent them a copy and kept the original im not sure if it matters but you know how banks have a habit of losing things. they have 21 days from the date they recieve it to acknowledge. regards john.

dont resorte to 1 of those companies diane you can do a much better job yourself and quicker too ulster bank have been easy pessy up to now non of the ppl iv helped had to wait much longer than cpl of weeks after filing their claim for an offer to come through. hold your nerve and do everything by the book you will be fine. regards john.

hi hep im afraid thats the way it is here nothing seems to favour the individual. the only route is a civil bill, you wont need a solicitor to serve it but if the bank dont enter a defence the you need a solicitor to file for your default victory. you would be liable for the banks costs if you were to lose your case but that hasnt happened to anyone i know of. regards john.