Abbey (merged)

csingleton

I wrote to Abbey a while back to recover £530 of bank charges.

They wrote back saying they will not refund my charges as I was warned they would charge if I went overdrawn.

What should I do?

I'm in the process of claiming through MoneyClaim.gov.uk but want some advise before I submit the claim.

hugo07

Hi fivestarz

Thank you very much, that cant be claimed right? its what ive set up for the bank to take out

Thanx
Hugo

Stephen_Leak

Referring you back to the T&C's is a standard tactic.

However, as the charges are unlawful, any T&C's about them are also unlawful and unenforceable. As Martin puts it in the article, "if someone tells you they’re going to punch you before doing it, it doesn’t make it lawful."

Complete the claim and hit the "Submit" button.

csingleton

Good analogy. Thanks for your help. Submitting now!

fivestarz

hugo07 wrote: »

Hi fivestarz

Thank you very much, that cant be claimed right? its what ive set up for the bank to take out

Thanx
Hugo

Hi Hugo,

When I went through the microfiche copies last week I just added together all the charges (CHG) onto the online calculator. No, you cant claim for the DDB, only a unpaid/returned direct debit that would also be listed under CHG.

HTH and good luck,
fivestarz

24_Gramms

They said no!!! Surprise, surprise!!

skitsue

Hi all, today is the day I send the court letters to the Abbey, they replied to my second letter which was the 8 weeks delaying letter but have not replied to the last letter I sent saying I was only giving them 14 days, should I call them first or just send the go ahead with the court proceedure. God luck all

yummymummy1964

Hi

Yes I had already applied to the courts online £ 120.00, then I got another letter from the Courts requesting an Allocation Fee £ 100.00, and a court date for the 22nd June, I didn't expect to hear from the Abbey until nearer the date, if at all, but then out of the blue they phoned and then settled.... Take it all the way and be confident, it really will not get to court.....;)

hugo07

fivestarz wrote: »

Hi Hugo,

When I went through the microfiche copies last week I just added together all the charges (CHG) onto the online calculator. No, you cant claim for the DDB, only a unpaid/returned direct debit that would also be listed under CHG.

HTH and good luck,
fivestarz

Hi fivestarz,

Thank you for clearing that up for me!!

Well I added up all the CHG's on the microfiche copies and from the other statements and my total is £303.50. Letter was posted this morning!! Certainly not as much as i though they owed!! lol I Didnt include interest as it got to cnfusing considering they didnt even provide me with the full dates the charges were taken.

Good luck you you too!!

Kind regards
Hugo

Edinburghlass_2

yummymummy1964 wrote: »

Thank you Martin and everyone for your help & guidance!!! Who can I pester now???, quite addictive being a complainer!!!!

well done yummymummy, I've copied your post into the Success Stories thread!