Bank chargers, debt recovery, Abbey national.... advice much appreciated

moneyspender1981

I'm looking for some advice

I had an account with abbey national approx 6 years ago, every month for approx 2 years I would receive approx £200-£300 worth of chargers. In the ned I was in a right mess, as I was so broke I used to go straight over drawn again to make up for the bank charger.. a year later I couldnt afford it so changed my bank account and moved away.

I had alot of other debt, and over the years have paid it all off slowly, and forgot all about this. I received a call from a neighbour to say someone had rang them lookiing for me... tuend out to be one of those dodgy finder companies.

I contacted the debt company and arranged token payments untill I can get something sorted. They are wanting £1400.

I contacted abbey on getting advice from here, and although the account is closed I asked for a copy of all my bank statements, so I could claim some charges back, they must owe me atleast 2k. I'm not looking to profit just want to pay their debt off with it.

I paid abbey ten pounds as there were a good few years of statements and waited. A month past and I received nothing, I have wrote to them and received nothing, I have called and have a nightmare each time as the account is closed.

I'm not sure what else to do or what I should be writing,

Has anyone got any advice please?
or any cases where an account has been passed to a debt company and have the account which was closed paid out on charges claims?

any advice on how to get these statements and the letter to write to the bank would be much appreciated.

natweststaffmember

moneyspender1981 wrote: »

I'm looking for some advice

I had an account with abbey national approx 6 years ago, every month for approx 2 years I would receive approx £200-£300 worth of chargers. In the ned I was in a right mess, as I was so broke I used to go straight over drawn again to make up for the bank charger.. a year later I couldnt afford it so changed my bank account and moved away.

I had alot of other debt, and over the years have paid it all off slowly, and forgot all about this. I received a call from a neighbour to say someone had rang them lookiing for me... tuend out to be one of those dodgy finder companies.

I contacted the debt company and arranged token payments untill I can get something sorted. They are wanting £1400.

I contacted abbey on getting advice from here, and although the account is closed I asked for a copy of all my bank statements, so I could claim some charges back, they must owe me atleast 2k. I'm not looking to profit just want to pay their debt off with it.

I paid abbey ten pounds as there were a good few years of statements and waited. A month past and I received nothing, I have wrote to them and received nothing, I have called and have a nightmare each time as the account is closed.

I'm not sure what else to do or what I should be writing,

Has anyone got any advice please?
or any cases where an account has been passed to a debt company and have the account which was closed paid out on charges claims?

any advice on how to get these statements and the letter to write to the bank would be much appreciated.

Marvellous.
Tell the debt company that the account is in dispute until you can verify the amount that you have got. Then write recorded delivery to Abbey and make them aware that they were reminded by the FSA in a letter dated 19th March 2009 that they had to supply statements going back to 27th July 2001 ie 6 years from the stay period. Tell them that they have 7 days to respond or you will make a complaint to the Information Commissioner;s Office for Non compliance, to the FSA Bank Charges Waiver monitoring team that Abbey are still in breach of their FSA Waiver.
Remember 7 days only.