Abbey (merged)

Maisy_Mouse_2

I have received the exact same letter today! Just goes to show how little effort they put into looking at individual claims. Having seen the response from Edinburghlass (thanks) I shall pursue my Sherriff court action.

Good luck to you, do you feel as nervous as me?

Maisy_Mouse_2

Could I ask, I wrote to Abbey to say respond in 7 days or I go to Small Claims, and assumed as I am in Scotland that I had to use Scottish Law, but is this the case and can I use the online service for English small claims courts as Abbey are registered in England? This system seems somewhat easier than raisng an action in Scotland!
Thanks

michellelovell

Hi Guys

The Abbey is fianlly starting to buckle, and having entered a defence to my claim of £5684.59 (including interest), I received a letter this morning stating that they are willing to offer £2842.30 as a matter of goodwill and without any admission. Having read through the websites about claiming back bank charges this seems quite a low offer. Has anyone been in this situation and written back to the bank stating that they would accept a settlement but of a different amount. As I said I have trawled the websites and initially I was thinking of asking for a claim of 85% and accepting at around 75%. Is this me just being greedy or has anyone done this and succeeded.

Your help, as always is very much appreciated.

Michelle

Edinburghlass_2

Maisy_Mouse wrote:

Could I ask, I wrote to Abbey to say respond in 7 days or I go to Small Claims, and assumed as I am in Scotland that I had to use Scottish Law, but is this the case and can I use the online service for English small claims courts as Abbey are registered in England? This system seems somewhat easier than raisng an action in Scotland!
Thanks

You can use MoneyClaim if you use an address in England, have a read of this website...

http://www.govanlc.com/jurisdiction.htm

Edinburghlass_2

michellelovell wrote:

Hi Guys

The Abbey is fianlly starting to buckle, and having entered a defence to my claim of £5684.59 (including interest), I received a letter this morning stating that they are willing to offer £2842.30 as a matter of goodwill and without any admission.

Michelle

If you refuse this offer you will more than likely get another so you could try saying what you will accept.

Rex_Mundi

michellelovell wrote:

The Abbey is fianlly starting to buckle, and having entered a defence to my claim of £5684.59 (including interest), I received a letter this morning stating that they are willing to offer £2842.30 as a matter of goodwill and without any admission. Having read through the websites about claiming back bank charges this seems quite a low offer. Has anyone been in this situation and written back to the bank stating that they would accept a settlement but of a different amount. As I said I have trawled the websites and initially I was thinking of asking for a claim of 85% and accepting at around 75%. Is this me just being greedy or has anyone done this and succeeded.

50% is a very low offer, especially since you have already issued a court claim. If this was before a court claim, I would suggest making an offer for a lower amount if you wanted to accept this, but seeing as you are already in the court process. I would suggest you stay strong and follow this through. The chances of you getting the full amount of charges+interest+court fee are excellent. This only requires tou to stick with your case and not buckle under any pressure/nerves.

Lady_E

Lady_E wrote:

I am new to all this , but willing to learn fast! I got all my statements from Abbey(eventually) and sent in a template letter for £1038 which was my charges plus interest. I have now got an automated letter re. "sorry to hear about your complaint blah blah , we will contact you in four weeks blah blah blah". What should I do now? I will NOT let this go, but I do need someone to hold my hand please.

Silly question time ......Do I continue to charge them interest as the whole process goes on ? So on the bank interest calculations template, do I do a fresh one from today or do I just photocopy my original and leave that as the sum involved ?

Rex_Mundi

Lady_E wrote:

Silly question time ......Do I continue to charge them interest as the whole process goes on ? So on the bank interest calculations template, do I do a fresh one from today or do I just photocopy my original and leave that as the sum involved ?

Keep the interest the same in all your letters up until your court claim. Just before you file a court claim, re-do the interest and claim for the updated total.

Christopher11

Hello

I have wrote to the abbey requesting they pay back my charges and they have sent me a letter about 3 days after recipt of mine telling me they will deal with my complaint with in 4 weeks - Is this acceptable proccedure or should they have made an offer with in 14 days of recipt of my letter?

Any advice would be greatfully recived

Cheers,
Chris

Rex_Mundi

Christopher11 wrote:

I have wrote to the abbey requesting they pay back my charges and they have sent me a letter about 3 days after recipt of mine telling me they will deal with my complaint with in 4 weeks - Is this acceptable proccedure or should they have made an offer with in 14 days of recipt of my letter?

Just move onto the next stage when the 14 days are up.