Abbey (merged)

mrsjemima

I was fobbed off for over 8 weeks before i received a VERY patronising letter saying that the charges are legal, maybe next time make sure your account doesn't go overdrawn.

I've gone to maneyclaim now as i am not willing to wait another 8 weeks.

bengal-stripe

mrsjemima wrote: »

maybe next time make sure your account doesn't go overdrawn.

Good advice!

cargo77

Cargo 77, yes this can be reclaimed. As you can see its time consuming and worrying but it has to be done, the fee that Abbey are allowed to charge legally is to cover their costs, and they are not out of pocket for £80 for an £8.40 transgression.

Regards

Sarah

thanks for the above sarah, even though iv done this quite a few times im i entitled to claim this back for every time it has happened?

thanks

cargo77

mrtickle12

i have an account at abbey it doesnt get used that often so i have no overdraft on it. from a direct debit off a phone bill the account went £50 overdrawn i now find myself having to pay back £385 with unauthorised overdraft charges and recieved a letter asking me to cut up my card and check book and send them back.
any help would be much appreciated.

Ladidi

Hi all, I have received a letter from the Abbey and this is what they have said to me. Out of all the money they make they send your letter out second post. Cheap skates or what! Does anyone know what my next move should be?

Dear Mr and Mrs ****

Thank you fo ryour call 7th April 2007 and your calls and correspondence since, about your bank charges. I am sorry you ar eunhappy with our previous response moreover, I sincerely appologise for our delay in responding to you.

Having carried out a full investigation, we believe the charges are valid and therefore I cannot agree to refund them.

The unfair Terms in Consumer Contracts Regulations 1999 say that we must explain our charges in plain language and that we have in good faith, which, according to the Office of Fair Trading, means dealing fairly and openly with customers.

I therefore reveiwed the literature and information you received when you opened your account, including the terms and conditions. This explains that charges will be applied if you do not keep to the terms and conditions of the accoutn. Because of this, I believe we have been fair and open in telling you about them. The charges were correct, because you did not have enough money in your account to cover payments requested from it. When I looked at the history for your account I found that, unfortunately, this was not the first time this has happened.

I can see we have refunded charges, in the past, as a gesture of goodwill. I am sorry, that because of this, I cannot agree to cancel these charges.

I am confident that I have been fair and we have taken into account all the ppoints you made in your calls. But if you have any additional points that you would like to discuss, please call on 0845 600 6014. I have enclosed a leaflet about the FOS, in case you are not happy with my investigation or decision. If so, you should contact them within 6 months of the date of the letter, enclosing a copy of it, as they would need this for their investigation.

I hope we can work together to help you avoid charges in the future. Little things can help, like checking your account balance as often as possible and looking at the dates of Direct Debits to make sure they are taken shortly after money is paid in. In addition we might be able to help by providing an overdraft facility to give you more flexibilty. This could help to keep your costs down, as there are no charges unless you exceeed your overdraft limit. So, if you wouldlike to talk to someone about the options available, Please call out Telephone Banking Center on 08459 724 724. Alternatively, If you think you might need longer-term help to manage your bank account, Please call 0845 603 9035 and we will be happy to help.

Your Sincerly

Senior Customer Resolutions Manager.


The way the letter is worded sounds like he was saying he was doing me favour by offering me an overdraft and repaying for bank charges earlier. I got that money back because it was their fault they incurred not mine.

Julie_Cameron

peggy9 wrote: »

Hi, I was glad to see your letter re Abbey response, I too have just received the same letter and was looking for advice. Do you have any updates on situation?

I don't have any update I'm afraid - only receive their letter yesterday! Will update when I hear again - in another 4 weeks no doubt! Thanks for the response...

mrsjemima

That letter is identical to what i received.

I filed with moneyclaim yesterday.

DLJ_2

HiI have just received a list of bank charges from the Abbey National. I am now going to request for my charges to be refunded back to me using the letter on this website , can I cc. a copy of this letter to FOS? Or just wait to get back a reply.

sharon_currie

Hi I suggest you go to www.financial-ombudsman.org.uk . They will do all the work and get your casse reopened

fatcarper

Hi everyone,Im in the process of claiming back bank charges from Abbey totalling just over £8,000 with the interest. I've got to the stage where they sent me the two delay letters with the last one saying that I have no right to make a claim.Last week I sent the letter threatening them with court action if it hadn't been sorted out in 14 days.Today a reply arrived ..............

' I have just received details of your complaint and I am sorry to hear that we have not yet been able to resolve your concerns. One of my team will look at all the relevant facts,review any paperwork and talk to the people involved, so that they fully understand the problem.

I know it is important to you that we resolve your complaint quickly. However, we want to do a thorough investigation and this can take time. We will investigate your concern fully and reply to you within four weeks.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. '

Why do they need a further four weeks when they've already had eight weeks to investigate.
Should I give them the four weeks or start court procedures?