First Trust Bank

[bally35]

Your letter to the FOS should be based on your prelim letter to First Rust.

Herewww.consumeractiongroup.co.uk/index.php?option=com...

If you want to put it up here, when you havethis done then we can all have our tuppence worth on it.

Dont worry too much about it.I can also get you a copy of the tand c which refer to these as penalty charges.

It might be worth adding a statement such as "Indeed First Trust Bank, prior to 29/05/2007 referred to such fees as "penalty Fees", a copy of which is enclosed for your perusal"

[maryspecial]

great thanks i'll sot onto moneysavingexrt and they now give a template for filling in the FOS form which is great but i will definitely put that last line in!! good advice - thanks. i got terms and conditions on this thread the other day - do you think i can quote from them or do i need an original leaflet - sorry if i asked this before - its monday!!!

[bally35]

I can fax over what they had on their website (prior to 29/05/2007), as my other copy of t and c is at home .

PM me with fax number if possible.

[maryspecial]

sorry bally35 - don't have a fax plus all the charges im claiming for are referral charges so probably cant go on about penalty fees - or is that what they refer to them as in t & c? Also had a good search in house to see if i could find old copy of t & c (havent finished searching yet!!) But guess what i found? a bank statement from feb 2000 when referral charge was £4.50 !! by Feb 2001 it was £9 - by 2005 it was £14 - thats an increase of 311% in 5 years!!!!!! Lets see them try to justify that eh !!!!Im gonna enclose copies !!!!

[bally35]

Yes Mary They are penalty fees.They have been referred to as penalty fees in their tand c prior to 29/05/2007, when all of a sudden they now claim that they are "unauthorised borrowing fees".

I posed the question of how these ddiffered to the old penalty fees on First Trust website last week.

Surprise surprise, they havent responded !

Perhaps we should all ask this same question and run a bet on who gets a response first!

Might be fun,

[bigbeggsie]

i am at the stage when i should be taking the first rust to court. i need a bit of guidance please . anyone!! do i do it online, or do just do an N1 form. where do i leave it in to? is there a fee? please help!!

[johnspeehs]

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.

[bigbeggsie]

Cheers. I am claiming about £1300 in total. if i do it online, do i pay the court fee then?

[johnspeehs]

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.

[bigbeggsie]

i am doing my online form now. what details do i put in the claim description section? is there a template that i can work from, or is everyone's different?

[johnspeehs]

hi beggsie

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

regards john.

[big aid]

This topic was closed on 10 March 2019.

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