Abbey (merged)

Rex_Mundi

gem4 wrote:

I have copies of all the letters i've sent them so far.

Does it say anywhere in the letters something 'please find enclosed a list of charges claimed?' If it does, you'll be fine.

You don't have to respond to the defence in any way yet. You can, if you like send one more letter recorded/registered delivery that only contains the charges. Mention in the letter it is the fourth copy you've sent them. This may be a good idea, because this will be entered as part of your case to go in front of a judge if it gets to that stage (I doubt they'll go that far).

Giltastic

foxij wrote:

I made it payable to Abbey instead of MBNA Europe Bank Ltd.
Abbey returned the cheque back to me with a letter explaining the cheque details needed to be changed & before they could proceed I had to provide additional information.

Hello all Abbey battlers, I too have made this error, would it be in my best interests to send a revised letter today with a cheque payable to MBNA Europe Bank Ltd? I'm assuming the 40 days will only start from the day they receive the correct cheque. I thought it was funny I'd heard nothing from the bank, even with the stalling tactics... until I read foxij's post.

ping foxij, you say you were asked to supply additional information, what, in general, might they ask for at this stage apart from account number and a request for a "comprehensive list"?

JaxMax_2

Hi, this is my first post although I have been 'lurking' for some time.

I am about to start my claim from Abbey for just over £2,500.00 bank charges including interest (thanks to the interest calculator!).

After reading a lot of other member's posts it seems I got my 6 years statements fairly painlessly, I just phoned and asked for them, they sent me 14 months worth with a form to fill in asking for the previous 5 years, paid the tenner and received them approx. 1 month later. I get a sneaky feeling the rest isn't going to be so easy!

I'm a little confused with a couple of charges and not sure if i can claim them back so I have listed them below - if anyone can give me a 'yes' or 'no' I'd be most grateful - thanks.

****************************************

'Unauthorised O/D Fee' - which increased from £15.00 in 2000 to £16.50, then £20.00 in 2005.
'Cleared transaction' - which increased from £9.00 in 2000 to £10.00, then £15.00, then £20.00, by 2005 it had reached £30.00!

Can I claim for both of these, even when the charge was only £9.00? Each time both of these were charged for one transaction there was also an Interest Debit which I haven't included in my calculations.

****************************************

Thanks in advance.

Jax.

maniac886

JaxMax wrote:

Hi, this is my first post although I have been 'lurking' for some time.

I am about to start my claim from Abbey for just over £2,500.00 bank charges including interest (thanks to the interest calculator!).

After reading a lot of other member's posts it seems I got my 6 years statements fairly painlessly, I just phoned and asked for them, they sent me 14 months worth with a form to fill in asking for the previous 5 years, paid the tenner and received them approx. 1 month later. I get a sneaky feeling the rest isn't going to be so easy!

I'm a little confused with a couple of charges and not sure if i can claim them back so I have listed them below - if anyone can give me a 'yes' or 'no' I'd be most grateful - thanks.

****************************************

'Unauthorised O/D Fee' - which increased from £15.00 in 2000 to £16.50, then £20.00 in 2005.
'Cleared transaction' - which increased from £9.00 in 2000 to £10.00, then £15.00, then £20.00, by 2005 it had reached £30.00!

Can I claim for both of these, even when the charge was only £9.00? Each time both of these were charged for one transaction there was also an Interest Debit which I haven't included in my calculations.

****************************************

Thanks in advance.

Jax.

Yes I believe you can claim for both of those.

'I am about to start my claim from Abbey for just over £2,500.00 bank charges including interest (thanks to the interest calculator!).'


You cant use the this calculator at this stage because this works out statuatory interest which can only be used once you file a claim with the courts.

You can include overdraft interest at this stage but only if you can show it was solely caused by the charges.

polly_2

Hi
just an update my friend is still waiting for his statements, but has written back to abbey saying that he will accept their 'good will gesture' as an interim payment pending receipt of his statements.
They wrote initally to say he had to pay £10, he naturally assumed they would debit his account, is this not the case?
The bank have put £400 pounds of the £1200 into his account, but as we've had the xmas hols its all been a bit delayed

maniac886

polly wrote:

Hi
just an update my friend is still waiting for his statements, but has written back to abbey saying that he will accept their 'good will gesture' as an interim payment pending receipt of his statements.
They wrote initally to say he had to pay £10, he naturally assumed they would debit his account, is this not the case?
The bank have put £400 pounds of the £1200 into his account, but as we've had the xmas hols its all been a bit delayed

If your friend didn't attach a cheque/PO when sending off for his statements they may well debit his account of £10 as they are entitled to do so.


HTH
Maniac

howier_3

ive got the cheque ready along with letter template for reclaiming (on my wifes behalf):rolleyes: i reckon without interest a GOOD couple of grand!!!!!:T...
just one question do i mail it registered post:j

ps its abbey national plc :eek:

shall keep you all updated on progress:p

i just love taking on the big boys ive done it many times before with employers and not lost one to date:T :beer:

howier

abbecer

GOod luck. And yes do keep us informed.

Rebecca x

howier_3

although it clearly states show all charges for this that and the other just read a post where they replied but omitted all relevant info thus pretty useless.

can i reword it to politely ask exactly what i want and the fact i will accept nothing less than what im asking for:j


thanks howier:A

howier_3

read someones post they sent cheque made payable to abbey and its was returned should have been made payable to mbna:o


do i make cheque payable to abbey and send it registered as its day one of letters today.well later on today that is:rotfl:


howier