stacey777 -v- ulster bank

[smcgall]

Glad to hear it stacey, if you like my advice then please click the scales at the bottom left hand corner as this is how we build a rep.

Stuart

[bally35]

Stacey,

Why have you had so many different account numbers?

Ulster bank have a practice that follow:

If a customer wants to upgrade their account say to A UFirst (crap account), they will open up an entirely new account alongside your old (this gets the branch points).

They also do this with sole accounts becoming joint acconts (make you open a new one) for the same reasons set out above.

Just wondered if this applied to you as these accounts do not have to be closed as all they have to do is change the account type.

Ulster Bank has some eally dodgy employment practices as well!!!!

[smcgall]

Bally35 are you a whistleblower if so we could really use the help feel free to PM me rather than answer on forum

 

Stuart

[stacey777]

hi bally 35, yes please pm us if you have in any info that would help this site and our knowledge of how the banks work.

 

The reason i have had so many different accounts is for exactally the reasons you have listed. Joint account then becoming single account then changing to ufirst etc etc. i know someone who worked there she didnt even know the bank charges were unfair but that was a while ago. Im so cross when i think of a fella in my local branch who i thought was decent and he said unfortunatley:mad: that my charges were necessary i actually was left feeling like a criminal for going over in the first place :o

 

How times have changed!!!!

[stacey777]

hello all just to let you know im busy at the mo and thats why havent been on here will persue my charges in new year and keep you posted as to what s happening.

 

Have a lovely christmas and a happy new year all.

[smcgall]

Same to you and yours:)

[stacey777]

thanks Stuat

[stacey777]

I sent off my list of charges letter and they totaled £627. I have now recieved a letter back from the ulster, they say there charges are fair bla bla bla:mad: they have given me a £90 into my account as 'goodwill' .

 

Im not sure what letter to send now could anyone help????

 

Im gonna have a look on the letters library. Will keep yous posted

[paddym]

Stacey just send them a letter thanking them for their goodwill gesture and tell them you asked them to refund all your charges and will accept it as interim payment and shall be pursuing them through the county court for the return of the remainder !

[stacey777]

Paddy,

Ok thanks for that;) i have just wrote this letter and will post it tomorrow.

 

What is my next move or do I wait for a response?

[paddym]

Stacey i take it from your threads you have just sent the one letter asking for your money back if so this is your prelim letter which you allow them 14 days to respond after the 14 days you send them your LBA letter which is letter before action giving them an oppertunity to refund you after the 14 days you then issue your court proceedinga stick to you timescales not theirs you dictate the pace of things remember your suing them not the other way about all the letters you need are in the letter templates section you just adjust them to your requirments ok any probs just give us a shout good luck ! paddy

[stacey777]

Thanks for advice i have just sent off the letter saying i will except the £90 as an interim payment but will be pursuing them for the remainder. Will i go ahead and sent the LBA letter or should i wait on a reply to that letter??

 

Thanks again so much for advice??

[paddym]

if your LBA is due send it ! stick to your timescales !

[stacey777]

i have just sent off my LBA letter today to the ulster claiming back £537 as they have already paid back £90.

[paddym]

thats the job stacey ! as far as i have been lead to believe the ulster wont settle until you file court papers but once they receive them they will settle with a confidentiality clause thats why we dont seem to have any word back from the people claiming against the ulster bank !

[stacey777]

i have just rec. a letter from the ulster saying charges fair and so forth and ready to put in court claim so im away too templates for further info.

 

Any info would be much appreciated

[lickthewallfatboy]

time to go file your claim Stacey,then sit back and wait for the cheque.

 

Why oh why do they insist on this charade-oh wait,I know.....it's so they can milk the money they are going to pay you back on the financial markets of the world to make them a nice return before letting go....

 

I think this should actually be pointed out to these guys so that they know that we know what they're up to.

[hephalump]

Hi STACY777

How long has this all taken as I have just sent first letter requesting statements. Hope things move quickly as they have already taken close to £600 in 3 months mostly referral fees £90 EACH MONTH. I am totally disgusted as its this that is putting me over my overdraft limit. I hope you get your response soon and a huge cheque!!!

hephalump

[stacey777]

Hi STACY777

How long has this all taken as I have just sent first letter requesting statements. Hope things move quickly as they have already taken close to £600 in 3 months mostly referral fees £90 EACH MONTH. I am totally disgusted as its this that is putting me over my overdraft limit. I hope you get your response soon and a huge cheque!!!

hephalump

 

 

Hi there hephalump

 

I think has taken about from nov06 to get this far. I am no not sure wether i will go ahead i had just went to the N Ireland court online file cliam and could'nt reg with them. As i was waiting to reg with them i recieved newsletter from Martins money savings and it said that new legislation was coming out in April and the charges were going to be set. The charges were going to be set at around £11 and only the difference wuold be paid i have a lot of £11 charges and i dont think i would end up with enouogh money to make it worth my while.

 

 

Im not sure however if this applies to banks in N Ireland?

 

It sounds like your charges are above that by a great deal:mad: SO ANNOYING... Get your money back it is yours but i think as i have already got £90 back i would only be due about £100 I suppose this is better off in my pocket than there's ummm I will go after all you have talked me into it:lol: im a nutter i know. No i think I will you have caused e to rethink here. Will keep this updated so watch out to see how get on i would love the whole £600 im owed but think the £11 will cancel a great deal of these.

 

 

 

Please start a thread because it is the best way for you to keep track of things plus people will post to you moderators and all and they will keep you right, post away here too, but your best advise will be on your thread its like your name lights all exciting i love people posting here. Defo need to get out more

 

 

Anyway God bless and get YOUR money back off them brats they wouldnt care if they left you on the cutter over these extortinate charges:eek:

[bally35]

Stacey,

The OFT report is likely to set a limit on it but that does not change the way you can claim in court.

It is highly unlikely that the limit that the Oft will be as high as £11.00.Remeber they do not make the law, this is the point where they automatically become involved.

Anyhow, Under consumer law if the penalty is not a true refelection of costs, then the whole of the fee can be claimed back.

I would imagine that these £11.00 charges are from a while back when charges were lower.Remeber that OFT will be talking about a limit on current charge levels.

I would advise proceeding with court action.

[hephalump]

Hi Stacy, I agree fully with bally35 and you should continue as the claim is retrospective and based on the last 6 years worth of charges not what they may be set at in the future. Not sure if OFT has the power to set the limits you have mentioned for a time period which has already passed, after all £11 six years ago was worth a lot more than it is now and it would be unfair to assume that the costs of processing a similar transaction 6 years ago would cost the same as today. AFTER ALL THE PRICE OF A PIECE OF PAPER MUST HAVE BEEN LESS AND OH MY GOODNESS WHAT ABOUT THE PRICE OF THAT STAMP.

hephalump

[paddym]

Stacey im sending you a pm ok ?

[stacey777]

Bally 35

 

thanks so much for the info i will proceed with court action ta so much. You have made me so mad with them again ha.

[stacey777]

Hephalump

 

Ta for your info too am defo gonna claim the charges back rippin mad now ha.

[paddym]

thats it onwards and upwards im here if you neeed any help !