All you Northern Ireland Banks-read this!!

[TheNorthernWarrior]

Just heard on the news, all you guys out there that the Consumer group over here, have today demanded that the banks declare their charges with explanations because they are unfair. I missed most of what was said but it will be on tonight, so everybody, WATCH THE NEWS! It gives a lot of hope for us to keep on fighting!!

nervous.

[Parkvale]

Nervous .Ithink this is what you are on about. ::: u.tv :::

[TheNorthernWarrior]

Yes, you're right Parkvale, as I said I only caught the end tail of the news. Sorry if it can sound misleading, sometimes I can be a right eejit.

nervous.

[Parkvale]

eejit !!

[TheNorthernWarrior]

Can you help an eejit like me, with the OFT report? I can't seem to find it and I need it for my court bundle? Thanks a mill!!

nervous.

[caro]

There's a link in the bundle linked below Nervous.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html?highlight=bundle#post257960

[TheNorthernWarrior]

Thanks caro,but i can't get into the links for Early Day motion from the House of Parliament and OFT Summary, no broadband and i've been sitting waiting for 2 hours already and i want to send my bundle off tomorrow.Please Help!! Can you send me a copy or draft of it and then I can print it off??

nervous.

P.S. thanks for your help, caro

[caro]

I'll see what I can do.

[sajabu2003]

nervous I'm sure you must be able to access it. I have dial-up and have managed to get all the information I needed for my court bundle including the Early Day Motion and OFT Summary that you are requesting

[caro]

I've emailed you.

[TheNorthernWarrior]

nervous I'm sure you must be able to access it. I have dial-up and have managed to get all the information I needed for my court bundle including the Early Day Motion and OFT Summary that you are requesting

 

Gosh, I sure am glad, I am not the only one round here who hasn't broadband.The reason why i have problems is cos, my computer starts to freeze up in the middle of everything and then it crashes and i have to start all over again! But thanks anyway, i got Caro's email and attachement.

Thanks all. Getting it all printed out and then I am sorting into piles and then i am now going to personally hand deliver my bundles to the courthouse in N'Ards and then to the Northern S***** ( that's with an es on the end). Sorry for the bad language, but they are costing us a lot in ink, paper, electricity,postage etc and hey! This is just what they cry about in their unlawful charges,-- remember CYNthesys?!!!

Nervous who is now calling herself TheNorthernWarrior!

[caro]

Keep a note of all you spend Northern Warrior and slap in a wasted costs order when it's all over. You could even take it to court with you if you get that far.

[TheNorthernWarrior]

You, Bankfodder and all the folk on this site are the most kindest and generous people around. If it wasn't for you Caro and Bankfodder and your free advice (though when I win, a donation most certainly WILL be going in) i would have been totally lost and vulnerable as would most folk on this site! I would now rather go to court, because with this MASSIVE bundle that i have, i feel so well briefed that i can handle anything and it angers me to think that all this printing could have been for nothing . But now i will indeed put in a claim for my prep work after, of course , i get my money!

NorthernWarrior.

[TheNorthernWarrior]

Any Northerners with T & C's prior to 2006/2007? If you haave please post on thread. Urgently required.

NorthernWarrior.

P.S. By tonight, if possible!!

[conlee]

Hi Northern Warrior

 

I am in the middle of sorting out fees to claim back from the Northern Bank, can I claim maintenance fees or is it best to not include these.

[TheNorthernWarrior]

hey,Conlee, I did include these in my first claim (see thread;- nervous v northern bank, though it might be called northernwarrior v northern bank, i canged my name) but in the second the bank has omitted these charges as 'service charges', though personally, how that can be i don't think so! The maintenance charges did they occur after your referral fees and in the same month, cos if so, yes claim them. It is a bit of a grey area, but i would say go ahead, if it is wrong, the bank will just deduct it anyway, you've nothing to lose, everything to gain!!!!!

northernwarrior.

[TheNorthernWarrior]

LISTEN UP EVERYONE!!!!! THE BANK HAS SETTLED AND I HAVE WON!!!!!!!!!!!!! :D

I received a letter yesterday, offering me £1208.41 instead of my £1400.00 what with the 8% stat.interest and they deducted £62.61 from the account stating that this was a 'service charge'!! Hmmm! Anyway, my court date was rescheduled to this Thurs.28th June ( at my request), so I phoned them to say,that i would accept this offer but with the daily interest mounting, i am now owed an extra £25.00 in the 8% int. I also said (wait for it) that my prep work amounted to 46 hours in total ( it actually was more if you take in the fact that this has been ongoing since Nov.2006) and at £9.25 I would be asking the judge to take this into consideration. I was then told (cos Ms. Nuala Walsh is on hols until the 7th July,) that the bank would phone me tomorrow morn.(today) Well, they b***** didn't!!! BUT..... when my hubby got home, he phoned me to say that a hand delivered letter from the Northern was waiting for us and when he opened it , they had lodged £2133.41 into our account this afternoon!! This covered the extra interest and even though they stated that the prep work did not cover the small claims court they stated:the bank is however prepared to refund the additional interest and to this end and in full and final settlement of this matter we have today credited your account with the amount of £2133.41, which I trust you find acceptable.

Well, blow me down.The bank cannot be seen to admit that this prep work ie.court bundles is not covered because a judge could decide yes it is and award the costs and also the bank would still have to go to court anyway.!!! The moral of this story is GO AND GET IT AND DO NOT BACK DOWN!!!!!!!

northernwarrior.

[caro]

WOOHOOHOOHOO!!!!!!! Way to go Northern Warrior. BF was quite right about the name change and you've lived up to it in every way. Congratulations:D

[TheNorthernWarrior]

Thanks Caro, Donation on the way!!!!!!!!!!!! :-D

TheNorthernWarriorxx

[madjj111]

well done warrior, i am delighted for you, was reading thro the threads and enjoyed your good news.

 

i'm tryin to get mine off first trust and hope i'm as lucky as you

[TheNorthernWarrior]

As I have said on my thread, i am now going to go beyond the 6 yrs. The stress has gone and I am now ready to begin claiming again!! The news today inspires more hope what with the Yorkshire and Alliance&leicester being made to disclose their charges and explain??? GO FOR IT, THE BANKS DO NOT WANT TO GO TO COURT!!! Well i am now off to start all over again, but at least i have my prep work on file. Do remember, if you have prepared your court bundle and you are offered a settlement, DO ask for your prep time, the judge may award it to you, but if nothing ventured, nothing gained!! :D

northernwarrior