Abbey (merged)

HUGHJASS_4

DAVECHUNK wrote: »

hiya all abbey got till monday to sort my claim out £1240 if not shall be getting on to court site to start the process of claiming my money back ill keep you all updated

I'll be having a look at the mcol link shortly too.

Shabby have ignored my " Thanks for the goodwill gesture of £853 as part payment letter " which was sent by recored post too!!

so now it looks like court time.

If at the end of this i manage to win, i'm closing my abbey account. they have done nothing but mess me about.
best of luck tho to everybody who's taking on shabby.

AliceBanned

AliceBanned wrote: »

Hi all

Finally got my statements - reclaiming charges on abbey credit card. I wrote to them on 18th May, asking for charges to be paid back (£400). They've sent me a patronising letter back dated 22 May "we want to complete a thorough investigation and sometimes this can take time". I've already waited nearly two months for the statments, which I only got by contacting ICO and by emailing them and chasing up. I'm thinking of just going straight to MCOL and this has sped things up with another bank! Any advice would be welcome; I could wait a couple of weeks, but I feel it might be a waste of time when they are just stalling.

Thanks - I think I will email them one more time then go straight to MCOL; it worked with the last one and I had my money within a week! I doubt if Abbey will be pushed by anything other than legal action, it seems! I'm just getting inpatient, I know they have to sort it in the end!

aspguru

how much does it cost to pursue a claim through the MCOL?

tommylion

hi people, so glad iv found this site.

i rang up ABBEY to ask for my last 6 years statements, i received my last year statements which were fine and i could see all my charges on them, which wa the same as my normal statement i get. but recently i received the last 6 years worth of statements and there totally different to the statements i received before.

these statements dont show any bank charges at all, all they have sent me is anything that has come out of my bank like (DIRECT DEBITS AND CASH WITHDRAWLS)

I have rung them and they said that this is the right statements and i must not have been charged, which i know for a fact i got charged at least once in this period. i said about the charges for my overdraft facilty wasnt even on this statement, they said that they must not have charged me which is a LIE.

my 1st statement looked like the usual statement i get every month in the post, but the second statement which looked like this:

01/02/01 ATM CASH ATC -50
(HOPE THIS MEANS SOMETHING TO SOMEONE)


if anybody else has had a problem like this with ABBEY, please post a reply or PM me as im sure there is something wrong with what ABBEY are doing.


thanks tommy

missykez

yeovillad wrote: »

I am also with a DCA from Abbey and have to pay them £10 a month. I told them that the debt has been caused by Bank Charges and I am taking Abbey to court. They still want their £10 a month. When I get my money back I have to pay them the balance so in effect the debt will be written off. So half of my claim will go in one hand and out the other. I also do not know what a court bundle is. But a good idea is to go down to your citizens Advice bureau, they helped me out quite a bit.
Be encouraged and keep fighting.

I have included these charges in my reclaim letter. The only reason I have gone overdrawn was because they messed up in the first place! This overdrawn amount has incread and decreased over the last 5 months, I have included with my reclaim letter the amount I am reclaiming PLUS anything my account is overdrawn, I have also stated the amount is rising as they are charging me interest on this. I too have received a letter from the DMA which I have ignored up until reading on this site, which I will contact them to explain the situation.

Keep going guys we WILL win this battle....
Letter 4 on its way tomorrow, as I have had the STANDARD letter stating it will take 4 weeks to sort out... PEH will it 'eck!!!!

yebba

I have followed all the steps to claim back bank charges from Abbey, they have responded to the court saying they intend to defend the claim. Today I have received a letter with a copy of their defence which they have filed with the Court. Has anybody else had the same - if so what happened? Has anybody actually attended Court? Would appreciate any advice. Thank you! Lynn

Kurt_Hamster

Please read the Abbey thread, this has been asked and answered many times.

http://forums.moneysavingexpert.com/showthread.html?t=423274

Twinkly

yebba wrote: »

I have followed all the steps to claim back bank charges from Abbey, they have responded to the court saying they intend to defend the claim. Today I have received a letter with a copy of their defence which they have filed with the Court. Has anybody else had the same - if so what happened? Has anybody actually attended Court? Would appreciate any advice. Thank you! Lynn

This is quite normal and not really anything to panic about if you have followed the reclaim steps and filled out your particulars of claim properly as per the guides on this site or elsewhere.

You may or may not receive an Allocation Questionnaire at this point. Its likely that you wont, quite a few judges are dispensing with them as the banks dont have any intention of turning up at court. The next step will be to get a hearing date. This may take some time depending on how busy your local court is. Actually attending court is quite straightforward in the main and the charges cases are usually dealt with in bulk sometimes up to 70+ per day pretty much like being on a conveyor belt.

This post shows what happened in court in a claim against against Barclays and is very reassuring about the process.
Top thanks to OP showmethemoney! for her post.
http://forums.moneysavingexpert.com/showthread.html?t=393532

You may not even have to attend court. Given the banks not turning up at court there are cases being posted on this site where an Order Of Stay has been issued, basically ordering you and the bank to come to a mutually acceptable agreement, completing relevant forms, before a court hearing is absolutely necessary.

All of the above is a basic and brief description of what you can expect next but more detailed information and others experiences can be found throughout the site and of course, if you have a particular question then post it. The Abbey thread in particular or the Discussion Thread (stickied on the first page of the forum) being the busiest thread is good too.

Good luck

jackiew_2

not used this before, but my bank has advised that they intend to defend all of my claim, which is over £5,000 will I end up paying the banks charges if this goes to court, will this be likely now that lloyds were successful in defending the claim against them. Where do I go from here? Thanks

Kurt_Hamster

jackiew wrote: »

not used this before, but my bank has advised that they intend to defend all of my claim, which is over £5,000 will I end up paying the banks charges if this goes to court, will this be likely now that lloyds were successful in defending the claim against them. Where do I go from here? Thanks

It depends how far over £5000 you are and to which track you are allocated. If you aren't far over the limit you may will be allocated to the small claim track.

In the fast track and above you are liable to the other side's costs, but only if bank requests them and the Judge awards them. It isn't automatic. And then only if you lose.

Lloyds weren't successful in defending their claim, in fact they didn't show up. The case lost because of mistakes on the claimants part. That case has absolutely no bearing whatsoever on your case (unless of course you make the mistake of not preparing the case properly) regardless of how the banks are using it as a warning not to sue them.