Abbey (merged)

mollyjak

I don't know that answers to your questions but as long as you have followed the advice given on here then you KNOW you are in the right!!!
Last week we got our money back from Barclays and they seem to be one of the worst. Nothing from them except the official stuff until three days before the court date and THEN they phoned us to settle all.
We phoned our local court a few times with questions and they were very helpful - may be an idea although no doubt someone will be along later with more knowledge than me.
Wanted to reply as I know how unsettling it is and you wonder if YOU are going to be the one who is taken to court although to be honest I think that is a long way away until at least the ruling is made.
Power to us little people taking on the big boys (with all the help on here)!!!!!

missc_3

is this just not the normal replies banks give?

use this site and look about in the forums as ALL banks say there going to defend as scare tactics but 1 never has

think its scare tactics

chops05

This is making me feel like I am the one in the wrong and not the other way round!! :eek:

steveandsarah

We also received their statement of defence this morning, it sounds like its the same as the one you received,which basically keeps referring to their terms and conditions: section 8 of the defence statement.

"The claimants' contention that the said fees are unenforceable and/or are "penalty charges" is denied. The fees reflect and are proportionate to the defendants administrative expenses incurred due to the claimants breach of contract and are a genuine pre-estimate of the damage suffered by the Defendant."



I look forward to seeing them in court, if they show.

missc_3

dont panic. they will settle before you get into a court room

Frenzy

humanchimp wrote: »

Hi,

I sent off the first template letter to Abbey (which they received on Monday 26th March), asking for the money back, and got back the standard "Give us four weeks to get back to you" letter. Now I know you stick to your deadline, not theirs, but do I send off the second template letter now (i.e. 1 week into the 2 weeks I gave them to give me a satisfactory response) or do I leave it until the 2 weeks are up, and then send off the second letter?

TBH do what most ppl have done so far, they sent me a letter back ("sorry you felt the need to complain...") and im sending my second letter to them tomo regardless of how long they want to investigate it for. at the end of the day YOUR setting the time limits NOT THEM

anita_newbie

I have recently claimed over £3.5K from Abbey. They offered me £860 which I refused. I asked them for 75% of my claim as a final "offer" and gave them 14 days to respond or I would file at court. They have sent me a letter telling me it could take them 4 weeks which is just another excuse for them to buy time!

I really don't want the stress of taking them to court - should I ring them and try to get a settlement over the phone???

I'm not very good at stuff like this so any advice welcome!

Thanks

chocolatt

i am in the process of taking abbey to court and they are defending, i am waiting for a court date. i have just realised i have made a huge error and calculated 7 yrs instead of 6. what can i do so late into the proceedings.

nejen_2

nejen wrote: »

I've received 1 yr of statements so far, still wating for the rest, but will stick to the timetable with the shabbey. But I've notice a £10 miscellneous credit has appreared in my account yesterday. Do you think they have refunded my £10 for the 6yr's worth of statements? Anyone else had this?

I've got another £10 miscellaneouse credit in my account yesterday? What are the Abbey playing at? Still no statements tho!

jobyann

Hi, This is my first post so I hope I'm doing this right.

Ok, so I'm claiming £401.00 from my single account and £2500.00 from my joint acc.

I sent a letter to them asking for money back on 26th February. On 9th day after I had sent letter I recieved a delaying letter saying we're looking into it blah blah blah and then I sent another letter on 14th day threatening court action. On the 28th March I recieved the letter below.

I'm writing out the whole letter as I have found it very useful when others have done this on this site (so I know what to expect)

Can someone tell me what I should do next please ????Has anyone else recieved this letter?

Dear .........

Thank you for your letter dated 26th February 2007, about the charges on your bank account. I have now carried out a full investigation on your behalf.

I'm sorry you are unhappy with the charges and understand you would like these refunded. Although the charges were correct, as a gesture of goodwill, I am happy to refund £620.00. Your account will be undated within the next 10 working days (the money came in on 29th March)

I appreciate your feelings on this matter but we are satisfied that the charges do not contravene the unfair terms in consumer contracts Regulations 1999. We also comply with the office of fair trading, in dealing fairly and openly with our customers.

I can inform you that your charges are based on the extra administrative work incurred by Abbey when, for example, an account has insufficient funds to meet a requested payment. Abbey believes that it is reasonable to make a charge on such an occasion to pass on the costs incurred by the bank and that the charges applied to the account are fair and transparent. Should you require details of the specific charges applicable, these are stated in the terms and conditions of your account.

Please be assured I have carried out a full investigation for you and I hope you feel I have offered a considered and complete response to all of your issues you have raised. I will keep you file open for 8 weeks and if I dont hear from you within that time , I will assume that everything is resolved and will close your file. If you remain dissatisfied though, the leaflet you'll find with this letter explains your rights and how to take your complaint further within Abbey. The address to contact is

Complaints
Abbey
PO Box 5129
Milton Keynes
MK9 2YN

do I just go ahead with samll claims now???

Thanks in advance for any help :0)