Abbey (merged)

Frenzy

Calnefoxile wrote: »

Hi there all,

I've just received all my bank statements going back 6 years, and I have finished adding up all the charges and it comes to £5250, now I've read on here somewhere that I need to be careful trying to reclaim that amount, because its over the threshold for the Small Claims Court. Is this correct?? and of so what can I do about it? as I want the Shaaaby to pay me, they've messed me about for a few years and now its payback. Also, should I add the interest to this amount, if so how do i go about that???

TIA for the advice

Cheers

Calnefoxile

you can choose also if you like to reduce the amount yourself so that it can go through the small claims track. sometimes if they realise that your claiming less than your owed they will payout a bit quicker. but dont expect it as each case is different. as for the interest use the calculator on the guide to add up the interest to each individual charge. altho you arent actually entitled to the interest unless its awarded in court and the banks are paying out before it gets that far at the moment to save money and face.

alonso

I've received all my statements and working out full charges at the moment. What is the average timescale of claims being settled from asking for charges back to end of court case (settlements with Abbey), I'm just trying to work out how long I have to put up with this reclaim business.

kat9511

hi i'm new to the forum, but i'm quite far along in my case to get my bank charges back. I have just received an allocation questionnaire from the county court today. My claim is for £5685.19 = £4069.50 charges
£1365.69 intrest
£ 250.00 court costs
am i right in thinking that as my initial cliam is less than £5000 i should be heard in the small claims court and not the county court. is is worth disputing this. I am a bit worried because i don't want to be liable for any court costs.
Has anyone got any goos advice for me. When i started this i thought it was going to be a case of sending a few letters and then getting an offer.
Now i'm really worried, it's already cost me £250 and when i submit this questionnaire it will cost me another £100. Am i really going to see the "money" and the end of the tunnel?

many thanks kat

halphy

alonso wrote: »

I've received all my statements and working out full charges at the moment. What is the average timescale of claims being settled from asking for charges back to end of court case (settlements with Abbey), I'm just trying to work out how long I have to put up with this reclaim business.

hi i recieved my statements before xmas, im just filling in my questionnaire for court, so it a long winding process, but worth it!

nickmack

kat9511 wrote: »

My claim is for £5685.19 = £4069.50 charges
£1365.69 intrest
£ 250.00 court costs
am i right in thinking that as my initial cliam is less than £5000 i should be heard in the small claims court and not the county court. is is worth disputing this. I am a bit worried because i don't want to be liable for any court costs.

If it's £5000 before interest it should stay in the Small Claims track.

Now i'm really worried, it's already cost me £250 and when i submit this questionnaire it will cost me another £100. Am i really going to see the "money" and the end of the tunnel?

You should get everything back in full. Banks are delaying as much as possible, but most are offering a full refund before the court date.

kat9511

but the AQ is on form N150 which i am told is for claims other than small claims. Also the form has come from the ipswich county court. Is it worth disputing? I am feeling very nervous and anxious now. and feeling it's all going above my head now. Is it true there are no reported cases of banks actuall going to court. Because, you know what i wouldn't know how to represent myself in court.

jojo_112

Just got date for Directions Hearing does anybody know what this is for.The court have scheduled it for 10 mins.Abbey did ask for 1 month delay in the allocation Questionaire to "sort things out" .Is anyone else at this stage at the minute

missc_3

theres NEVER been a case of the banks showing up - its all delay tactics to hold onto YOUR money for even longer. Which is stupid as once it gets to court they have to pay interest therefore costing them more money!! but they hope by taking it this far people will just crumble and not fight any further (which to be honest i bet theres a fair few people who dont know about this forum and the support it offers who do just that)

i would recommend you reading around this forum especially on the sucess stories - it really spurs you on and allows you to see that banks when over 1 grand of claims just about ALWAYS go to court

TSB have until 9th to pay up my money then im at court stage - 3200 incl interest and you know what im ready to fight them - i actually hope they let it go to court stage then i'm getting more money out of them

so keep your chin up - dont let them give you any doubts about it - its your money remember and they have it illegally

good luck

nickmack

missc wrote: »

theres NEVER been a case of the banks showing up - its all delay tactics to hold onto YOUR money for even longer. Which is stupid as once it gets to court they have to pay interest therefore costing them more money!! but they hope by taking it this far people will just crumble and not fight any further (which to be honest i bet theres a fair few people who dont know about this forum and the support it offers who do just that)

i would recommend you reading around this forum especially on the sucess stories - it really spurs you on and allows you to see that banks when over 1 grand of claims just about ALWAYS go to court

I understand you are trying to encourage the poster, but please be careful about using absolute phrases such as 'NEVER' and 'ALWAYS'.

In both of the above cases, the statements you make are not true. There are some instances of when banks have gone to court. Writing 'just about' and then 'ALWAYS' in capital letters may also mislead people into thinking this is absolute when it's not.

Brickie103

Brickie103 wrote: »

Thanks guys for your quick responses.

I'd better explain what happened properly so it makes sense!

The overdraft debt i owe abbey (£436.60) was passed to a DCA, i phoned ages ago and told them that i cant make any payments as i am in dispute with abbey right now. So they said they would pass the debt back to abbey.
After writing the letter which stated that they had 7 days to pay up, ichecked my account balance over the phone and was told it was at nil balance, so by the posts on here i thought they had given me a partial payment and just not informed me. When i got a letter through the post from a different DCA, i figured they had passed it back to a DCA again and i phoned them this time to tell them the same thing i told them months ago.
After that, i filed a MOL claim and sent it off.
Then i received the letter saying that they will refund me £120 as a pitiful GOGW, but i had already made the claim! and havent deducted the £120 from the amount.
Today i have received the letter saying they want the charges list and whatever..........feel a bit daft now, like i've cocked up.

Would you suggest sending them what they are asking for PLUS the letter saying that i accept the GOGW as a partial payment without prejudice blah blah?

Any advice guys would and IS greatly appreciated, nearly there now you see!!
I can see the light at the end of the tunnel, am also planning to claim from a Capital one credit card and also £40 "admin fees" from GE Money!

Hi again,

Sorry to be a pain, but does anyone know what letter to send off or what to put in it for the one where abbey are asking how i put my claim together?
I'm not sure what to write, i intend to just send the copy of the print out of the list of charges with it aswell.

Thanks in advance!