Abbey (merged)

ronanpc

Hi There , I have just had a reponse to my first letter to Abbey National.They have said that they can only send me the last fourteen months of transactions.They are unable to send me information from 2001 - 2005 because this has been archived onto microfiche and is not available on their computer system.I know there are many charges on my account and I do not have this information myself.Is this a ploy ? Surely they must have some way of supplying this information.Any advice or help wuld be great. Many Thanks Ro.

Beate

The Other Half was sent print-outs from microfiche records for his Abbey mortgage payment history "free of charge because they are not very customer-friendly" in the way they display information. So it's definitely possible to provide the info that way, tell them they have to provide them under the Data Protection Act so either they send you the microfiche printouts with an explanation on how to read them or they have to sit down themselves and trawl through it, sending you a list of charges. Threaten them with the Information Commissioner if they don't comply.

alonso

Just going through the batch of statements I've received (last 12 months for now) I've noticed Abbey are pulling a fast one. First page only highlights the account summary and they have deleted the charges that will appear soon on the account. I've checked my last 2 months statements that i had against the duplicates they have sent and the charges are missed off the front page. Is this fair as it's not really a duplicate of the statements I've requested. I can still get the charges but i have to look at the itemised list on next page.

Just a few quick questions before I start counting the charges.

1. Can you reclaim for returned cheques £35.00

2. Charge for overdraft that has not been authorised £20.00

3. Interest charged while account overdrawn £9.18 (this will of cos vary)

4. Charge for clearing VISA payment whilst overdrawn £35.00

5. Unpaid direct debits £35.00


Sorry for asking obvious questions but want to make sure i get it right first time. thanks for any help

cruncher75

alonso wrote:

Just going through the batch of statements I've received (last 12 months for now) I've noticed Abbey are pulling a fast one. First page only highlights the account summary and they have deleted the charges that will appear soon on the account. I've checked my last 2 months statements that i had against the duplicates they have sent and the charges are missed off the front page. Is this fair as it's not really a duplicate of the statements I've requested. I can still get the charges but i have to look at the itemised list on next page.

Just a few quick questions before I start counting the charges.

1. Can you reclaim for returned cheques £35.00

2. Charge for overdraft that has not been authorised £20.00

3. Interest charged while account overdrawn £9.18 (this will of cos vary)

4. Charge for clearing VISA payment whilst overdrawn £35.00

5. Unpaid direct debits £35.00


Sorry for asking obvious questions but want to make sure i get it right first time. thanks for any help

Dont think you can claim for the interest

Brickie103

cruncher75 wrote:

Hi ive posted my letter to abbey with my £10 asking for my statements on the 26th feb. Today i recived a letter say that they acknowledge my £10 they are going to send my 14 months worth of statements within in 5-7 days but it say any previous transactions have been archived onto microfiche and is not possible to provideyou with a computer print out of the information. However,we have made arragements to send you a list of archived transactions between 2001-2005,under separate cover. With regards to any manual interventions that may have been made on the account. We consider manual interventions to mean an action that is not automatic or computer-driven.Not all manual interventions are recorded,for example if a member of staff looks at a paper document relating to a account, a record is not always required. Similary some interventions may relate to work carried out by a deparment rather than individuals where no central record of activity is kept becuase this is not the kind of information we need, or more importantly, that a customer would usually request. Dose that mean that they will still be sending me my list of charges or statments and how long do ii need to wait till i can send the second letter.

I received a similar letter if not the same one and they sent me the first 14 months in a few weeks and then the rest of them turned up about a week later in the form of microfiche. Just hang on for them (obviously providing they turn up within the 40 days allocated!) they will be full statements and then as you scan through them for your charges look out for the transactions abbreviated as CHG and the date if you are calculating interest.
I'm at the stage now where i am about to file on line with MOL. As i havent heard back from them after me sending the "7 days to pay up or face court" letrer.
Persevere!! It'll be worth it in the end, and they is an abundance of help on here for you, just takes a little searching!

Good luck!

Brickie103

Brickie103 wrote:

Hiya peeps!

I wonder if any of you can help me with something else as everyone has been great so far and i've been lurking for weeks to see what other experiences people have had with this.

I have my mortgage and a loan with GE Money, the mortgage isnt the problem but i am in arrears with the loan because i was on long term sick for a few months and couldnt afford to pay it. It works out that i am about 2 months behind result in arrears of only about £250 quid (ish)
The thing is i have just paid off £50 of this and am still keeping up to date with regular payments. But after a harrassing conversation with them today, they are continuing to whack on top £40 "administration fee" a month because i cant afford to pay the arrears in one go. It seems the £50 wasnt good enough for them, even though after an argument they accepted, i told them it was £50 or nothing (how dare they!!?)
I complained that the charge of £40 was too high for the sake of them making one phone call to me to chase payment and sending out an automated letter. I also pointed out to them that i should be charging them for my increased phonebill as i am continually on hold on a landline,( non local and non freephone number!) to them for ages every time i phone up, so maybe i should charge them for MY phone bill! They said that they have every right to charge that amount as its in the terms and conditions blah blah blah!
This will mean that i as i try and pay off this debt and get upto date they are going to make me more in debt as time goes on!! Cant win!
My question is, can i use the same reclaim procedure to claim back the £40 charges with them? Or is there anyone who can help me stop them from doing this? Surely they would be working under the same guidelines as banks?

Can anyone help me?? please??

Many thanks in advance!

Hi all,

Can anybody help me on this??

jimbob_too

Hi, I'm claiming back roughly £150 in charges from Abbey National. I posted off my 'form' letter to reclaim the illegal charges at the end of January, and received a standard 'we are dealing with your complaint' letter from them dated February 6th.

This means that they have now not written to me within the promised four weeks (according to their letter) to let me know how my 'complaint' is progressing. I feel a bit let down by this.

Is it possible that they are stalling for as long as possible whilst they wait for the OFT ruling? If I referred my complaint to the small claims court now would my case be heard before the OFT ruling is announced anyway? (I live in Edinburgh). From what I've read elsewhere in the media, the consensus is that the banks will be more likely to start contesting cases once the OFT ruling has been made.

Thanks!

pigpen

pigpen wrote:

Right.. HELP!!

I am 6 weeks into claiming back the bank charges from the Abbey and they have started returning cheque unpaid even with the guarantee card number on them.. is this special because it is me or is it happening to everyone else as well??

They of course then want to charge me £35 for being over the OD limit (even though I wasn't !!) and £30 for the privelege!!!!

I have had these charges annulled but it is a hassle!

Anyone help???

I have since had another 3 cheques all within the guarantee amount and all with the card number on.. this is getting beyond a joke!!

harry5

owenp wrote:

Hi Harry 5,
Yes, Abbey have just sent me the same letter.
I found this reply from Martin on what to do: Martin says:



I would send them an e-mail/letter (keep a copy whichever) which simply lays out

A. The fact you have already detailed the charges - including the date of the letter you sent with the charges in and that you are concerned they are dealing with this case without having kept the paperwork.

but

B. To confirm them I enclose them here.

Then detail the charges

There is nothing to lose by resending the same information as you have previously sent.

Martin


I know what you mean by being scared by the prospect of going to court but, as others have said, we must stick to this. This money is ours not theres.
And, after all, what is the worst that can happen? You lose, which means you are no worse off then you are now.
Better to have loved and lost................

Stick with it Harry. It is well known that all the banks use scare tactics and pressure. What they are trying to do is scare people away from claiming what is rightfully theres. The sad thing is that it sometimes works.
We have a wonderful community here full of knowledgeable people to help and support us all the way.
Don't back down now.

Good luck.

thanks, will send info tomorrow, good luck with urs!

Edinburghlass_2

jimbob_too wrote:

Is it possible that they are stalling for as long as possible whilst they wait for the OFT ruling? If I referred my complaint to the small claims court now would my case be heard before the OFT ruling is announced anyway? (I live in Edinburgh). From what I've read elsewhere in the media, the consensus is that the banks will be more likely to start contesting cases once the OFT ruling has been made.

Thanks!

They aren't stalling just busy with all the claims and firing out standard letters.

Please read this thread regarding the proposed OFT "ruling.

http://forums.moneysavingexpert.com/showthread.html?t=391787