reply from abbey hardship claim

hyltonlad

ive just got this letter today
as you know we are currently looking into your complaint and it has been 8 weeeks since you 1st contacted us.
im sorry for the delay while we continue to look into your complain.although we have made progress we want to make sure we fully understand the problem before writting and we are unable to give a full responce just now.
if you dop not want to wait any longer you can go to the F O S now wiothout waiting for our responce.i am enclosing a booklet that tells you what you need to do.i do hope you will give us opportunity to complete our work and will continue to look into your complaint unless the F O S advise us they are taking it over.
anyone else had this letter and do you think they might pay out.
hylton lad

Premier_2

Sounds like they are asking to buy more time, presumably as they wade through the umpteen applications to ensure they give each application the attention it deserves.

With regards to paying out? Well that depends on the basis of your claim. If it was for unauthorised OD charges and based on the arguments of the template letters that were available from this site, I very much doubt it ... and MSE Martin is of a similar opinion, based on the articles he has published since the Supreme Court decision, and later the decision of the OFT to drop the matter.

natweststaffmember

hyltonlad wrote: »

ive just got this letter today
as you know we are currently looking into your complaint and it has been 8 weeeks since you 1st contacted us.
im sorry for the delay while we continue to look into your complain.although we have made progress we want to make sure we fully understand the problem before writting and we are unable to give a full responce just now.
if you dop not want to wait any longer you can go to the F O S now wiothout waiting for our responce.i am enclosing a booklet that tells you what you need to do.i do hope you will give us opportunity to complete our work and will continue to look into your complaint unless the F O S advise us they are taking it over.
anyone else had this letter and do you think they might pay out.
hylton lad

The ball is in your court really, hyltonlad. As it has been 8 weeks then you can go to the FOS but if you do make sure you send an updated income and expenditure form with any further information since the first time you sent in a request for the bank to look at your account with regards to financial difficulties.

hyltonlad

thanks for the replys which is best im i better off going to the FOS or just wait and see what the bank will do
hyltonlad

Premier_2

hyltonlad wrote: »

thanks for the replys which is best im i better off going to the FOS or just wait and see what the bank will do
hyltonlad

Again, that depends on the basis of your claim.

If it was based on the arguments laid out in the old template letters that were on this site, your claim is probably baseless, so you be better off buying time and hoping Martin & his QC is about to pull the rabbit out of the hat (But don't bank on it, even Martin says bank on getting nothing).

If you've got some super legal argument already, why waste more time? Take it up now with the FOS.

... oh, and please let us all know the super duper argument.;)

natweststaffmember

Premier wrote: »

Again, that depends on the basis of your claim.

If it was based on the arguments laid out in the old template letters that were on this site, your claim is probably baseless, so you be better off buying time and hoping Martin & his QC is about to pull the rabbit out of the hat (But don't bank on it, even Martin says bank on getting nothing).
I'm not sure the templates here were based on anything other than UTCCR 1999 and fairness rules which are still on the table re UTCCR 1999 reg. 5(1). The issue is that further arguments could be added to it.
If you've got some super legal argument already, why waste more time? Take it up now with the FOS.

... oh, and please let us all know the super duper argument.;)

Glad to see the quality of your posting remains as ever

Premier_2

natweststaffmember wrote: »

I'm not sure the templates here were based on anything other than UTCCR 1999 and fairness rules which are still on the table re UTCCR 1999 reg. 5(1). The issue is that further arguments could be added to it.

You can see for yourself what the template letters were based on, they are still available here for historical reference:
http://images2.moneysavingexpert.com/attachment/bc_letter1_noint.rtf

I'm glad you like the quality of my posts. But it is MSE Martin you should really be thanking

My case is on hold with the banks, what is going to happen?
A. They have eight weeks to deal with it and it's likely they'll be swamped. When your case is dealt with, it's likely to be thrown out if your argument was based on the premise of the OFT's original case, that the fees were disproportionate. ...

http://www.moneysavingexpert.com/reclaim/bank-charges

Alpine_Star

Premier wrote: »

Again, that depends on the basis of your claim.

If it was based on the arguments laid out in the old template letters that were on this site, your claim is probably baseless, so you be better off buying time and hoping Martin & his QC is about to pull the rabbit out of the hat (But don't bank on it, even Martin says bank on getting nothing).

If you've got some super legal argument already, why waste more time? Take it up now with the FOS.

... oh, and please let us all know the super duper argument.;)

In this case the arguments are irrelevant as it is a hardship claim.

natweststaffmember

Premier wrote: »

You can see for yourself what the template letters were based on, they are still available here for historical reference:
http://images2.moneysavingexpert.com/attachment/bc_letter1_noint.rtf

Most of the other forums have used UTCCR 1999 regulation 5(1). To be honest, when I first read that I had assumed it was a very old template but that letter is not particularly good imho(apologies to MSE Team).

I'm glad you like the quality of my posts. But it is MSE Martin you should really be thanking

http://www.moneysavingexpert.com/reclaim/bank-charges

I do but I also know your personal viewpoint since the content of your posting when you do not use Martin is the stuff of someone who is trying to rub people's nose in the dirt. As long as you are doing that, then I be along with others with soap and water to clean their noses......you gotta love the ride though

Premier_2

natweststaffmember wrote: »

... the stuff of someone who is trying to rub people's nose in the dirt. ...

Please don't stoop to the lows some others have when disagreeing with opinions of others. There really is no need for such sniping.

"Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps."

"If you spot a spam, illegal, offensive, racist, libellous post or PM please email [EMAIL="abuse@moneysavingexpert.com"]!!!!!![/EMAIL] "

natweststaffmember

Premier wrote: »

Please don't stoop to the lows some others have when disagreeing with opinions of others. There really is no need for such sniping.

"Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps."

"If you spot a spam, illegal, offensive, racist, libellous post or PM please email [EMAIL="abuse@moneysavingexpert.com"]!!!!!![/EMAIL] "

I wasn't stooping to anything other than the impression that I have read on the forums. Off the forum, you might be a major donor to charity and do many charitable works, I don't know that. Your posts saying "how on earth did you incur x number of charges or £x thousand pounts" or maybe simply saying to someone "don't bother" or "it's your fault" comes across that way. There are better ways of saying it such as, how did you incur the charges? perhaps explaining how the charges work so that they do not incur them in the future.
There are questions and there are questions. If you feel this is abuse then feel free to report the post to MSE cos I have said and will say a lot worse on the forum(and that is for those already claiming), however the manner is never offensive.....
Got anything better to say to me?
I am deeply offended now