Abbey (merged)

£Wise

Thanks lass...Will do today.

rebl43

I have sent a letter claiming £1725 to Abbey, and got a similar letter to £wise's this week, although they offered to "cancel charges as a guesture of goodwill" to the massive sum of £20!!!!!!!!!!!:mad:
I then sent off a letter yesterday saying that unless they pay up, I will take them to court, and today I recieved a cheque for £20!
I'm not sure what to do now, as the letters have clearly crossed in the post. Obviously I don't want to settle for £20, but should I send the cheque back, or just rip it up?

Edinburghlass_2

Ibbz wrote:

Checking Royal Mails site, the letter was received and signed for on the 8th of February. Tomorrow is the 15th - being 7 days from the date of receipt of my court threat and I HAVE NOT AS YET RECEIVED A REPLY from them!

What do I do?
shall I start court proceedings tomorrow - sticking to my deadline?

Or shall I CALL THEM today requesting an update first?

I'd be happy with them settling for £4k, as without interest my claim is £4180 - being £180 short, the interest I only included in the court threat letter (which they have 7 days to reply), and I was not initially claiming.

This is really stressing me out, what shall I do? shall I call them today??


please help!

cheers

Wait until tomorrow and then give them a call. Reading the stories of ALL banks they are busy with these claims and aren't always replying within the timescale set.

johnnyroper

just recieved a statement from abbey,it had 3 £30 charges on for some visa payments that went through 1 day before getting payed,all 3 payments took me £11 overdrawn i rang abbey and was told they are allowed to do this but did eventually refund them.
i have a question for anyone who is more clued up about bank charges than me

if it is unlawfull for banks to charge such high fees and this site helps you to recover them,why are the banks still charging them?

svmitche

Because for every person who reclaims the charges 10 people don't bother. Regardless of the bad publicity and loss of funds, they still come out ahead as all banks are just as bad - even if you move you're still stuck! I reclaimed from HSBC, but Abbey is just as bad!!

johnnyroper

thanks for the reply, so basically they are just con men then?

Brickie103

kwizzy wrote:

Originally Posted by kwizzy
Court hearing this afternoon, cheque in full settlement received yesterday in post with no time to present let alone clear altho' I only gave them until 5 Feb to settle for this very reason. They want us to drop the case but we do not have the money yet! Do we still go to Court and see what the Judge says? The cheque appears to be from solicitors but this doesn't guarantee it ...

Latest: Court Manager told me to fax the Court saying the defendant had settled (too late to clear cheque in advance) BUT asking for the claim to be reinstated if the cheque is not honoured.

Hey Kwizzy!
Sounds like you have a result! Good stuff!
I have just posted off my second letter asking for my money back, bit nervous now as to what they are going to do. As i still owe (ha!) Abbey £436they have sent the debt to a debt collection agency who i have phoned and told them that i am currently in dispute with abbey and have no intention of payin up until its all resolved. (does anybody know if this will affect my chances by the way?)
After the 14 days are up, did you just file a claim on line with that MOL website?
I have never taken ANYONE to court brfore so i'm a bit nervous as to how to go about it all, am just following the intructions and tips on here really!

Andypez

Brickie103 wrote:

Hey Kwizzy!
Sounds like you have a result! Good stuff!
I have just posted off my second letter asking for my money back, bit nervous now as to what they are going to do. As i still owe (ha!) Abbey £436they have sent the debt to a debt collection agency who i have phoned and told them that i am currently in dispute with abbey and have no intention of payin up until its all resolved. (does anybody know if this will affect my chances by the way?)
After the 14 days are up, did you just file a claim on line with that MOL website?
I have never taken ANYONE to court brfore so i'm a bit nervous as to how to go about it all, am just following the intructions and tips on here really!

never be afraid to go to court! this is something i must emphasis to all, i recently took a garage to court and won a hefty sum of money, the Judges are human beings and in most cases love the 'individual v the company' cases. the judges are very intelligent people, and the banks know this, hence the banks lack of presence. the process is quite simple too, do not be afraid.

regards
a budding law student;)

Andypez

johnnyroper wrote:

just recieved a statement from abbey,it had 3 £30 charges on for some visa payments that went through 1 day before getting payed,all 3 payments took me £11 overdrawn i rang abbey and was told they are allowed to do this but did eventually refund them.
i have a question for anyone who is more clued up about bank charges than me

if it is unlawfull for banks to charge such high fees and this site helps you to recover them,why are the banks still charging them?

The banks are still charging them, as they claim that they are lawful charges, and contained in the terms and conditions of your account.
However, Case Law way back as far as 1896 highlights that if the charge is disproportionate to the actual cost involved, it is unlawful.

so therefor the terms and conditions are unlawful as are the charges etc
Statute is on your side too, in relation to the Unfair Contract Terms Consumer Contract Regulations 1999 and the Unfair Contract Terms Act 1977.

What needs to happen, is for the Financial ombudsman and the Office of Fair Trading to make a ruling to stop them from applying over inflated charges, they have already done this with credit cards, well...taken a step towards it by reducing the amount of the charge to £12 which in many opinions is still to high, and i am sure that as a result of all the recent press etc and the rallying of Martin and his troops, along with other websites, this in my opinion is not far away, so expect to see changes afoot!
hope this helps,
regards
A budding law student

Andypez

suzysong wrote:

Claiming CHARGES from ABBEY,
Has any body else got to the stage of sending letter to take to court, I have sent mine off, now I am finding it very daunting after following all the steps to get this far,
Please advise any body please!!!!!!!!!:confused:

Don't panic....
never be afraid to go to court! this is something i must emphasis to all, i recently took a garage to court and won a hefty sum of money, the Judges are human beings and in most cases love the 'individual v the company' cases. the judges are very intelligent people, and the banks know this, hence the banks lack of presence. the process is quite simple too, do not be afraid.

regards
a budding law student