Abbey (merged)

Annybananny

Knowing my luck Jax, I'll end up being the test case:eek: OOOeerrrrr!!!

Ann

sweepster

Hi everyone,
Could do with a bit of advice. I am currently claiming £4131 plus interest and costs which takes it upto approx £5800.I have a court date 20th sept i didnt know but sister in law booked a holiday to celebrate my 40th and yes its when i go away. What would you do sit tight and hope for the best only going to spain i would happily come back on the tuesday night and go back after the hearing.
thanks sweepyxx

skydivebuzz

Jax321 wrote: »

Since this looks like the best place to post this, i may as well do so.

Abbey have plans on taking a test case through the courts within the next 4-8 weeks. I know this because i have worked with the legal team preparing the case.

The division i work in receives around 1500 charge letters a week and it actually costs the company more to reply to all these letters (within 5 days as an FSA rule) than it would to instantly refund all the customers.

I don't know what the ruling will be, but i do know that Santander are throwing all the weight of the legal team behind it. Thought you might like to know

Forgive me for sounding a little cynical, but your first post on seems very sensational, and thus a little hard for me to accept without more evidence.

Does this mean that Abbey are willing to disclose the true ammount it costs them rather than the inflated fee they charge us?

I am more than happy to pay whatever costs Abbey can prove they incurr for my "delinquent banking", should that be £5 or £35, my argument isn't that I do not owe them a fee, rather the fee they charge is unreasonable.

I have given Abbey ample opportunity to provide me with that information, and as yet they haven't.

Do you really think they will risk going to court and being ordered to provide this information? If they can't support their fees they don't have a leg to stand on.

Banking institutions are petrified that they will have to disclose this information, and probably more so that when they do, they will have refund customers rather than have customers take them, to court.

saraharrow

I agree with you skydivebuzz, the legality of the charges rest on the fact that they are disproportionate to the actual cost of the breach, and if the banks want to do a test case they will have to confess that all it costs is £2.00 and not the £35 they charge. then there is all the evidence against them, all the cases they have settled as a 'goodwill gesture'. Think this is a person scaremongering for whatever reason, particularly as they havent posted on here very much.

nicola1312

I am at the court stage with abbey for the first of my 2 accoutns that I am claiming on. I am happy to do it, but to pay out £130 will leave me a bit short this month, and I could do with the month for my holiday mis August. Has anybody had any luck with phoning them and asking them before they do the court bit?!
I had a cheque in the post from them this morning for my mortgage repayment fee thing, after just sending one letter. Why are they making this bit so hard when that was so easy?!

angelwillow

Jax321 wrote: »

Since this looks like the best place to post this, i may as well do so.

Abbey have plans on taking a test case through the courts within the next 4-8 weeks. I know this because i have worked with the legal team preparing the case.

The division i work in receives around 1500 charge letters a week and it actually costs the company more to reply to all these letters (within 5 days as an FSA rule) than it would to instantly refund all the customers.

I don't know what the ruling will be, but i do know that Santander are throwing all the weight of the legal team behind it. Thought you might like to know

Is this why they are giving me all sorts of different and crap excuses why they haven't even sent me my statements yet!!!!????
Put off tactics?

wooziesuzie

Hi, I could do with some help with a claim I have with Abbey. I filed the complaint back in Feb for charges amounting to £2500 with interest, they replied with a goodwill offer of £730.Not happy with this I asked them to take it to the next step and try and claim all of it back . I,ve had a letter back saying they are operating within the terms and conditions set out when the account was opened. I've no idea what to do next. Do I file a complaint with the F.O.S to see if I can claim the rest back?
Any advice would be very much appreciated.
Thanks Guys

Flossiesdoll

nicola1312 wrote: »

I am at the court stage with abbey for the first of my 2 accoutns that I am claiming on. I am happy to do it, but to pay out £130 will leave me a bit short this month, and I could do with the month for my holiday mis August. Has anybody had any luck with phoning them and asking them before they do the court bit?!
I had a cheque in the post from them this morning for my mortgage repayment fee thing, after just sending one letter. Why are they making this bit so hard when that was so easy?!

I phoned them to tell them I was about to hand the claims forms in to the court and asked if they wanted to settle, and they just said fine, see you in court. As I posted last night, they've now settled out of court.

miss-bonkers

Hi all
i'm just finishing my court bundle, the clerk at the court has told me to send the court a file and abbey's solicitors because i won't be able to be at the court on august 14th. Does anybody know how to word the letter i send with my file, need to send it asap!!

Many thanks
Kim

bliz_69

Looks like Abbey National have changed the name of there charges and are now calling them REQUEST FEES !. Got a letter from them today saying that they are changing there terms and conditions.

New penalty charges oooops... request fees are as follows:
No overdraft:
cheque fee £15.00
card payment £5.00
direct debit fee £35.00
instant overdraft monthly fee £25.00

With overdraft:
cheque fee £35.00
direct debit £35.00
instant overdraft monthly fee £25.00

In the fair fees policy section is states that the request fees are always linked to the value of the payment which triggers the request for the instant overdraft service. ie an instant overdraft request for making a payment of £10.00 will incur an instant overdraft request fee of £5.00.

Reckon that this means instead of them charging unathorised charges they have just renamed them request fees! In reality they are exactly the same?

Any thoughts?