This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Well Done - nice one LTWFB.

Hi Folks Still nothing from First Trust. Looks like we are going into court tomorrow!!!

Anyone?????????????????

Hi All OFT has issued a statement today that they are going to investigate current accounts. This might have a knock on affect for all us NI people going to court Flojo

WELL DONE LICKTHEWALLFATBOY!!!!!! I had no doubt you would do it after reading your posts. I'll probably see you on the 26th - not too long to go now! I'll keep you posted

Stick to your own timetable. You are the one dictating at this stage of the game!!!!

Hi Bru Don't give them the 4 weeks. You are setting the timetable. Force their hand. They will try anything to stall you!!! Flo

Hi Lickthewallfatboy The dispute is very similar to the one First Trust have lodged in my case: 'The claim is denied. The Respondent disputes the claim. The money claimed is not due and owing to the applicant and all fees and charges levied were done on foot of the terms and conditions which governed the aggreement between the applicant and the respondent' I think they are just standard disputes. Let them argue in court that the charges are not contrary to the Unfair Terms in Consumer Contracts regs - I don't think they will have a leg to stand on. I'm just sorry my court case is so far away - but then they say patience is a virtue. Flo

Good for you!!! Let them meet you in court.

Hi James I have a court date of 26/09/06 with First Trust. - I am quietly confident. In their Terms&Conds they actually state penalty charge which is contrary to the Unfair Terms in Consumer Contracts. What does your solicitor think? Good Luck Flo

No nothing from First Trust or their solicitors. The last correspondence I recieved was from the Court. They probably think they have plenty of time as the court date isn't until the end of September. Ah well sure isn't the interest accumulating on a daily basis. When the court write to you they will tell you that you have to submit all relevant papers 10 days before the hearing. Anything I can help with just shout!!! I'll keep you posted on anything I hear. The big four here think they can do what they like and they are currently being investigated by the Competion Committee because of their high charges. The Consumer Council for NI in conjunction with Which? reported them to the Office of Fair Trading who in turn commissioned the Competition Committee to start the investigation. They know they have that going on - so they won't like us fighting them through the Courts. Keep the fight up - we will win in the end!!!!!

Hi Lickthewallfatboy I have gone through the dispute part with First Trust. They filed a dispute on the morning of their deadline with the court. You will get a letter from the court in the next few days assigning a court date for the hearing. It will be well into September/October because of the summer recess in Northern Ireland. First Trust had to respond to the court by 6/7/06. I got a letter a couple of days later informing met that my court date is 26/9/06. It is also in Craigavon. Mine is not for DPA disclosure but for the fees. Tranfer to civil means you will get your date in Craigavon. If I can help in any other way give me a shout Flo

Hi Paul Welcome on board. I see we are going from strength to strengh against First Trust. Don't worry - I am quite prepared to go to court. I have paid the £62 and have nothing to lose and everything to gain. At first I was a little phased that it had got this far - but now I am quite looking forward to it. Pity its so far away because of the courts summer recess in N Ireland but I'll just have to excercise a little patience. I'll keep you posted (and if I can help in any way just yell). Flo

Hi Paul You will get all your data. They have learnt from their mistakes in the past. Keep it going and don't let them intimidate you!! Flojo1985