Abbey (merged)

Twinkly

alonso wrote: »

Another one of my accounts (secondary acc) went overdrawn £3.97 and got charged £25.00 . I just rang them to say the charge is unfair etc etc and the and the advisor said out of good faith we made the DD payment if it was returned we would have charged you more ,£35.00. Therfore the £25 can't be returned. Is this right/fair? I've got a copy of the transactions list from the branch, should I write to them asking for it to be returned.

My opinion is that the £25.00 charged for the loss of £3.97 is disproportionate to the actual cost incurred so yes.

angei010

Bakeybadoo wrote: »

I just went out of sheer curiosity to see my Abbey account online (it's over the overdraft due to their charges in the past 8 weeks but it IS still open and active) and I can't access it. It's asking me to call them.

I've only so far asked for my statements and got 12 months paper ones and am waiting on the microfiched ones.

So it starts huh?

I will be at the file in court stage at the end of the week.
I am now over my overdraft due to charges and this morning thought I would look at my account to see if any money had been put in and have the same message as you.
It looks as though they are trying to force dialogue by not letting us access the account.

johnnyroper

today had a partial paymentof £150 put in my account and a letter basically saying that it is a good will gesture and abbey now class the matter as closed.when you are claiming £7300 in charges i class £150 as more of an insult rather than a goodwill gesture.

mcol here i come and whats more i am going to use the abbey debit card to pay to take abbey to court,what a nice feeling that will be

treasureirealnds

I went to the court today to file my claim against abbey. :beer:

I also gave them with my N1's a breakdown of the charges with interest table. I gave copies of the origianl breakdown. is this right or should i have updated the charges table as interest will now be higher since i did the table back in Jan? how is this worked out at the end?

I was chatting to the guy at the court and he said they had had a LOT of these claims. Banks are filing a defence then not showing up as at the last min they pay up. He said if i get my money it'll be about 3 months from now!

Another q, sorry.
If the OFT make decision on charges will i get awarded what i'm owed minus what they say is fair? Or does it only count to claims after their decision?

mant txs

Twinkly

adewho wrote: »

I submitted a claim to my bank (Abbey) along with a Schedule of Charges for £735. I didn't receive a satisfactory response and am due to start court proceedings tomorrow.

On checking my statements again it appears I have added in an £85 charge twice on the Schedule of Charges. £85 was charged to my account in April but somehow I've listed it for April and May

The Schedule of Charges should therefore total only £650.

Should I enter a claim for the £650 plus interest and then write to Abbey informing them that I have entered a claim for just £650 plus interest because there had been an error on the original Schedule. I would also provide them with a revised Schedule of Charges.

OR should I notify Abbey of the error before starting court proceedings and give them another 7/14 days to respond?

I would rather not delay unless everyone thinks it is important to give Abbey a chance to respond to corrected figure before county court. I would be grateful for any/all advice on how to deal with my mistake.

Regards,
Ade

When you file at court you can put in the amended amount for claim there, including any further charges you may have received up to date. Abbey will be informed of the particulars of your claim by the court and they are given 28 days to respond and/or file a defence. Dont worry about letting them know the amended figure it will all be in the court papers they receive.

However if you feel it may encourage them to settle out of court if the amount is lower, for some reason, then by all means write and let them know but you are under no obligation to do so otherwise.

alonso

How long has it taken people to receive the remainder statements after they have recieved the first batch of 12 statements, don't know wheather I should wait or start chasing it up. It's been 5 working days since I received the first batch.

Andypez

treasureirealnds wrote: »

I HAD THAT LETTER FROM ABBEY. FROM WHAT I'VE READ IT SOUNDS LIKE ABBEY ARE GOING ALL THE WAY! I WAS STARTING TO MY MCOL BUT AM NOW WONDERING WHETHER TO SEND THE COURT LETTER AGAIN. LOSING SLEEP ALREADY ABOUT GOING TO COURT!

WHAT U THINK?

Go to court, it is a simple process and you will almost certainly win! never panic, the courts have seen many of these cases, it is also a way of giving the Banks a kick up the backside and they may make you an offer before the court date, but certainly don't worry about going to court, you may enjoy it!

Andy
A budding law Student;)

treasureirealnds

i submitted my claim yesterday at court. i didn't update my interest charges. i put in the same one i originally sent to Abbey back in Jan.
is it too late now to claim extra interest or can it be calculated if/when abbey pay up?

txs

Briggy_2

Hey no you dont have to tell your other bank when you open another account, have you rec'd all of your statements from the abbey as I have only rec'd my last 12 months so far!

deb1hilton

Hi, I have just started proceedings against the Abbey, sent my first letter on the 22/2/07.I recieved a reply acknowledging receipt of it and my check.Also loads of gobbledygook.How long should I wait now for my statements.Thanx to everyone on this site for giving me the confidence to reclaim what is rightfully MINE.Good luck to one and all.