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

BankReclaimRebel

Just to add to my previous post:

Abbey did try charging me during my agreement with them, when I was paying them money to reduce the overdraft, once I threatened FSA & FOS they qyuickly refunded the charges so that I could carry on reducing the ammount I owed. Thankfully this has all now been paid and I no longer have to deal with Abbey, apart from reclaiming back charges...

I can fully understand where you are coming from with regards to the car situation, but in my opinion I would have opened an account with another bank, that way Abbey can only rely on the payment agreement, but I do still think you should seek advice on it or you can look at it another way and think oh well that has now been paid off...

If I was your boyfriend now, I would close his Abbey account and go elsewhere, i'm sure another bank would welcome your custom as Abbey clearly don't.

LaydeeNina

tamarto wrote: »

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!

your comment is totally irrelevant and unnecessary, the car he had before was worth £2000 and so he should get the same amount of value for his new car, why should we have to get a cheaper car, because of abbeys unreasonable bank charges??? the fact that they can charge £400 for £12 is ludicrous, and if you don't feel you have anything constructive to say, i'd rather you not say anything at all...Thanks :rolleyes:

LaydeeNina

BankReclaimRebel wrote: »

Just to add to my previous post:

Abbey did try charging me during my agreement with them, when I was paying them money to reduce the overdraft, once I threatened FSA & FOS they qyuickly refunded the charges so that I could carry on reducing the ammount I owed. Thankfully this has all now been paid and I no longer have to deal with Abbey, apart from reclaiming back charges...

I can fully understand where you are coming from with regards to the car situation, but in my opinion I would have opened an account with another bank, that way Abbey can only rely on the payment agreement, but I do still think you should seek advice on it or you can look at it another way and think oh well that has now been paid off...

If I was your boyfriend now, I would close his Abbey account and go elsewhere, i'm sure another bank would welcome your custom as Abbey clearly don't.

With hindsight we wished we would have opened a new separate account with another bank, but that's the trouble with hindsight!
Your advice has given me a small glimmer of hope anyway with regards to abbey, on saturday when we both go into branch, I am going to make sure they know exactly how i feel about their disgusting charges, and question how on earth they had the nerve to make the 'right to set-off' transfer in my boyfriends name, to make it looks as though he had purposefully made the transfer, because if we hadn't have known we wouldn't have been any the wiser, what abbey was playing at behind our backs, sneakily moving money around!!! Using my boyfriends name on a transaction that he did not make, should stand for something shouldn't it?????

noh

It's got his name next to it because that is the name of the Account the money was transferred to.
If it were transferred to an account in your name it would have your name next to it.
It's showing the destination not who actioned it.

They are not "sneakily" moving money around they are using their right of set off that your boyfriend gave his consent to when he signed up to the accounts.

LaydeeNina

noh wrote: »

It's got his name next to it because that is the name of the Account the money was transferred to.
If it were transferred to an account in your name it would have your name next to it.
It's showing the destination not who actioned it.

They are not "sneakily" moving money around they are using their right of set off that your boyfriend gave his consent to when he signed up to the accounts.

Even though my boyfriend had already had a pre-arranged payment plan set up by abbey that he has been paying weekly for sometime now?

tamarto

LaydeeNina wrote: »

your comment is totally irrelevant and unnecessary, the car he had before was worth £2000 and so he should get the same amount of value for his new car, why should we have to get a cheaper car, because of abbeys unreasonable bank charges??? the fact that they can charge £400 for £12 is ludicrous, and if you don't feel you have anything constructive to say, i'd rather you not say anything at all...Thanks :rolleyes:

Don't use a public board if you only want replies that suit you, thanks. You have to get a cheaper car because your BF couldn't control his finances properly. At the end of the day if he had managed his account properly this situation wouldn't exist.

There is nothing stopping him from trying to claim the charges back, however whinging about something which the bank are perfectly entitled to do is quite pointless. HTH

natweststaffmember

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!!!

It's much less than that but price is irrelevant in legal terms now.

BankReclaimRebel

tamarto wrote: »

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!

Nice, really helpful that was....now I don't want to get into a full blown argument, but all people want is some help, for people that may have had experience's like this before, hence why I have posted my experiences.

I do appreciate the fact that you can pick a fairly decent car up for £1500 quid because I have done this myself...and I am also aware in the TC's of your current account somewhere it states that it can pay debts off if you have a lump sum in your bank account, but when you have a payment agreement set up they should stick to this and let you carry on paying for it, after all they are still getting their money back.