michelle v ulster bank

[michellemeenan]

hi all

 

Sent my prelim. letter to Ulster Bank today recorded.....was wondering when do I start to count the 14 days from??

 

 

 

 

 

 

 

Ulster BanK: claiming £1685.00 - Prelim. sent 06/09/06

[big aid]

start counting now.

don't be a fool like me, and stick to your timetable

[besty01]

sent mine on the 1st so the 15th for me

[michellemeenan]

hi

 

hope smomebody can give me advice..

 

sent LBA today to ulster bank(have 14 days to reply)..I was wondering when should I go to the court to look about the claim??

 

My charges has now rinsing to £1805.00, when I add interest and costs this will probably go OVER £2000 which is the most in N-I, if this happens..

Do I add all charges into claim and just calim £2000?? or make sure the claim is only for £2000

does this make sence???

 

Michelle

prelmi sent 6/9/06 £1685

LBA sent 23/9/06 £1805

[Michael Browne]

In England the £5000 limit is for your charges only, if interest takes it over , it is still a small claims, although court fees are based on charges + interest. I assume it's the same principle in NI

 

There's a Plain English (should be Blarney) guide to NI small claims here:

http://www.courtsni.gov.uk/NR/rdonlyres/9BA6814F-A24B-4460-B74F-3B265697E3E8/0/SCOL_guide.pdf

[big aid]

michael is right,

your fees and charges that you claim back must not total more that 2k but you can then add interest and costs on top of this

 

http://www.courtsni.gov.uk

this is a great site allowing you to process your claim and monitor it online

[michellemeenan]

hi

 

Just a quick update.. got reply to Lba from our Noelette Hassett..the usual story "we believe our charges are FAIR, I tell you that this is the bank's final response to you on this matter ( I don;t think so ) contact FOS if you are still unhappy"..more leaflets.

 

there time limit is up on the 7/10/06 . then I will be processding with court claim.

need some advice!

Should I address my court claim to MS Hassett?? or just Customer Relations Dept.

on a different not.. these £12.00 charges that the Credit card com. are now changing, can we still add these to our claims.???

 

michelle:)

[callumsgran]

Not sure about the £12 charges at mo, and you really need the name of the banks solicitor for the moneyclaim!

Have a look on the relevant bank forum ok?

[michellemeenan]

update on my progress

 

send my court claim away, got reply that UB has to reply by 30th Nov. if not I can complete default decree.

 

does this mean that if UB doesn't reply by 30th , then a court date will be set??

 

family and friends!!!

know that if UB does setting I will have to confid. paper.... if I wanted to let my famliy and friends know about this site and try to reclaim there charges such I start telling them now before I sign anything...or would this upset my claim cause know most of them are in same branch as me, or some have even closed their a/c in my branch???? (does this make sence)

 

michellemeenan

[jonni2bad]

THREADS MERGED - Please keep all further updates for this case is this thread.

 

1. Yes - Check if they have responded and if not, get the default judgment sorted.

 

2. No

 

3. None at all.....!?

[big aid]

michelle,

if they don'y answer by 30th you have won. but UB haven't gone this far before, they normally pay up very soon after the claim has been filed, they then make people sign confidentiallity clause. this is why you do not read to many success stories from the NI big4. they are so afraid that everyone will start this, you know what this place is like, when 1 person gets a few quid everyone wants some

[kibby]

HI Michelle,

Im in the same boat as u, i lodged my claim 2 weeks ago but because of a computer fault it was reissued on 7 nov and the bank have until 7 december to reply. Fingers crossed. Im hoping to get money back for xmas. Does anyone know how long it takes for the bank to refund the money??

[shovey]

Hi, im going after ub as well although ive sent in my DPA letter and there 40 days is up on mon ive had no reply at all. How long did it take for anyone to get the statements?

[kibby]

I got my statements from ulster bank 2 days before the 40 day time period was up, they like to push it. You'll prob get ur statements on monday morning

[shovey]

Hi, thanks ill let u know when and if i get my statements.

[campbell10]

Hi all you Ulster bank hunters. I filled my claim last week and have 11Dec as return date. From what i hear there will be a confidentiality paper to sign. I take it that is why threads that have gone beyond filing claim suddenly stop.

[lickthewallfatboy]

confidentiality clauses are unenforceable.

 

They are trying to stop you telling people you got your own money back...LOL

[paddym]

I spoke to a fella in the civil processing centre belfast laganside courts he told me the same confidentiality clauses are not worth the paper they are written on we dont have to accept them ! Its your claim if they dont want to go to court they will settle on your terms so stick to your guns you will triumph in the end !

[campbell10]

Cheers paddym. i'm hoping for a good xmas. Michelle or Kibby, any word back yet?

[sparkopolo]

Hi Fellow claimants and fans (fans of people getting money off greedy banks not fans of me personally, though I am lovely...!)

I am seeking a total amount of around £450 from Ulster Bank for unfair charges and am progressing to the "send letter before action" stage having received a firm but polite "NO WAY!" from the lovely NC Hassett at Ulster Bank Group Head Office. Before I progress any further, and I DO intend to take this all the way, I need to clarify:

a) whether in Northern Ireland I can claim for the past 6 years as in England and Wales?

b) whether I need to claim via the moneyclaim website or an NI Court website?

c) whether NI banks are subject to the same regulations, laws and statutes as those on the UK mainland?

d) whether I can claim statutory interest at 8%?

I think that is all the queries I have about and would really appreciate if someone could clarify these points for me.

Thanks a lot

Mark

[lickthewallfatboy]

A-yes

B-NI website

C-Yes

D-yes,you add it on at the time you file the claim on the site

[michellemeenan]

hi folks

 

just a quick update, haven't heard any thing form UB yet, but am waiting on postie-man everyday.

interesting to read your thread PADDYM on "confidential clause" cause if I get anything, then I'am going to start reclaiming all my families charges back for them.

 

makes me got statement from UB today, they have since charged me another £90.00 in fees. Whats the best way I should go about getting these refunded??

* talk to my bank manger(have been getting nasty looks from her everytime I go into bank now)

* send another letter???

 

michelle

[campbell10]

Hi mark. glad to see you have joined the gang.

 

The answers to your questions are;

a) Yes

b)cany use moneyclaim. You have to use the NI court website.

c)Think so . Not completely sure.

d) Yes, if you file the court papers you can claim 8%.

[jonni2bad]

PLEASE NOTE - all questions relating to other peoples claims have now been moved (where possible) to that persons own thread.

 

Please do not hijack this thread with questions that have no relevance to it - it makes it difficult to follow the ongoing story here and will likely result in the questions going unanswered.

[steven4064]

hi steven4064

 

qucik question.....am due in court on 13Nov now against ub Credit card...

am claiming 694.78 in fees and interest charged

they are offering me 252 with is fees only....is should I accept this , or do you know of any one that thas actual got the interest charged back....there are also offering interest accured on the fees???

michelle

Hi michelle

 

I don't know of any credit card which will voluntarily offer interest at all. However, they don't go to court either. So, it's a bit like a game of chicken - who will blink first, you or them. IMO, if you refuse their offer and stick out for interest as well, they will give in and pay it although that may be on the 12th!