Please help appauling situation with abbey moving money without permission...

LaydeeNina

tamarto wrote: »

So if you class what the bank did as stealing surely that's what you BF did in the first place to be in this situation? He allowed DDs to come out of an account where he hadn't put any money in.

It really isn't the banks problem that he will have to buy a car worth £400 less than he'd have liked, and this is from someone who had similar happen but with 3 kids to feed!

At the end of the day the car is not the issue, quite obviously, regardless of what the cheque was for, it is still a great concern to us, as this is his money that he had worked hard for, are people not allowed cars, when their jobs depend on them??

Also his account went over the overdraft limit because there was no money at the time the direct debits got pulled out, hence the huge charges, he had his wages paid in weekly to this account so none of this was intentional debt, he didn't set up direct debits knowing there would be no money in there, his wages went in weekly so why would you see a problem.

And no we don't have children to feed, because we are sensible and know we cannot afford to have children in our financial state. This doesn't mean we aren't any worse off though!

LaydeeNina

BankReclaimRebel wrote: »

I would be inclined to get advice from the FOS regarding this, especially when you already had an arrangement plan in place.

I have had the same problems as your boyfriend where I owed Abbey £500.00 for an overdraft. I opened another current account with Natwest, had my wages going there sorted out all DD's with Natwest. I then spoke with Abbey and arranged a payment plan to pay off the £500.00. It wasn't all plain sailing though, they tried charging me for things when I already agreed with people over the phone on payment plans etc.

Make sure you write down people's names and times and dates when ringing, this has helped me in the past...I have also had to threaten Abbey with FSA & FOS, they normally back down from my experience.

Thank you for this post, it is a terrible shock to see money being moved around without one's consent, and since this had never happened before, i was really in need of some advice, as it is a large amount of money. My boyfriend had quite clearly set up this payment plan with abbey and since he stuck to the conditions of the plan by paying every week it seems abbey are the only ones not sticking to the terms, because he was to pay £10 a week to reduce the overdraft, and this was in black and white in a letter written by their collections department, but as soon as we have a car crash and get the money for the car, they decide to take a large chunk for themselves. Totally unfair!

onlypaddy

LaydeeNina wrote: »

well technically £1600 now, but he could buy a cheaper car, but he has had cheaper cars in the past that have cost him horrendous amounts of money in repairs, so its not like he hasn't been down the road of old cars before.

he's obviously bought unreliable cheap cars then and been ripped off a bit

my current car cost around £1500 and runs beautifully, 10 years old with 80k on the clock now. just got to check them thoroughly before u delve into the pockets.

i know its not the issue, but the right to set off does come into play here. if it was a current account and you showed them that they had put undue hardship on you then yes, you could get it back. as it was a savings account and not used for day to day expenses, i have a feeling they'll tell u to bog off.

if you had lent money to a friend and they werent paying you back and they got a lump sum from something, what would be the first thing you would do?

tamarto

LaydeeNina wrote: »

, are people not allowed cars, when their jobs depend on them??

Not if they can't afford them no.

If the DDs were taken before they were due you should have delt with that at the time, if they were taken as arranged it is his fault for not taking more care with his money.

LaydeeNina

onlypaddy wrote: »

he's obviously bought unreliable cheap cars then and been ripped off a bit

my current car cost around £1500 and runs beautifully, 10 years old with 80k on the clock now. just got to check them thoroughly before u delve into the pockets.

i know its not the issue, but the right to set off does come into play here. if it was a current account and you showed them that they had put undue hardship on you then yes, you could get it back. as it was a savings account and not used for day to day expenses, i have a feeling they'll tell u to bog off.

if you had lent money to a friend and they werent paying you back and they got a lump sum from something, what would be the first thing you would do?

I know what you are saying here, but if it wasn't for these scandalous bank charges he would never have been over the overdraft limit, a direct debit came out for the tv license for £12 and because of this it has resulted in £400 charges, how can they justify this??!! Also, my point is aswell, he had already started to pay off these charges, it wasn't as though he played ignorant throughout, so as soon as he put money into a ''savings'' account for his car, that he needs to work, that he needs to earn money, they decided the day the cheque cleared to take what they wanted, having already pre arranged a set payment plan?? And why at the age of 23, just qualified electrician does one not deserve a decent car, when he works over 50 hours a week, the banks have billions, we struggle day to day financially, with our rent, food, living costs and yet the one thing he had was his car, and abbey in a sense took that?!

LaydeeNina

tamarto wrote: »

Not if they can't afford them no.

If the DDs were taken before they were due you should have delt with that at the time, if they were taken as arranged it is his fault for not taking more care with his money.

You are missing the point, his job, depends on the fact that he has a car, because as an electrician he has to go all over the country everyday to do jobs, without his job he has no money, without money things don't get paid, so that cheque was for his livelihood, not just a car... and the direct debits that came out were for tv license, £12, and that justifies £400 in charges does it? and because of these charges we are left with this mess, also, when you have direct debits coming out but your rent is due, which is more important? They are non priority when you need to keep a roof over your head, and it is so easy to say you should handle your money better, but sometimes when you are so busy working 50 hours a week and things creep up on you what are you supposed to do? Like i say we are in our early 20's so have much to learn in life, of course, but i can not see how banks can charge you, and then charge you again, it is in my eyes daylight robbery!

LaydeeNina

I have also found out it costs the bank £2 to sort out bounced dd's and yet we have to suffer the loss of £400, where is the justice in that??!!!! It is ludicrous!!!

BankReclaimRebel

LaydeeNina wrote: »

I have also found out it costs the bank £2 to sort out bounced dd's and yet we have to suffer the loss of £400, where is the justice in that??!!!! It is ludicrous!!!

That doesn't suprise me, that's why everyone is so miffed with the banks winning this court case...

I'm just keeping my fingers crossed that there is another angle that we can all get partial or all our money back...

tamarto

LaydeeNina wrote: »

You are missing the point, his job, depends on the fact that he has a car, because as an electrician he has to go all over the country everyday to do jobs, without his job he has no money, without money things don't get paid, so that cheque was for his livelihood, not just a car... and the direct debits that came out were for tv license, £12, and that justifies £400 in charges does it? and because of these charges we are left with this mess, also, when you have direct debits coming out but your rent is due, which is more important? They are non priority when you need to keep a roof over your head, and it is so easy to say you should handle your money better, but sometimes when you are so busy working 50 hours a week and things creep up on you what are you supposed to do? Like i say we are in our early 20's so have much to learn in life, of course, but i can not see how banks can charge you, and then charge you again, it is in my eyes daylight robbery!

Oh boohoo! my heart bleeds really it does. He can get a car he has enough money to buy one so i'm missing that point tbh!

LaydeeNina

BankReclaimRebel wrote: »

That doesn't suprise me, that's why everyone is so miffed with the banks winning this court case...

I'm just keeping my fingers crossed that there is another angle that we can all get partial or all our money back...

It's right winged rubbish that is why, sanctimonious rich people who like to keep the rich rich and the poor poor, never mind the fact the nowadays the poor get stung even more for being poor, it makes me sick!