Advice Please - Abbey Tatics

[drob]

Started a claim for unfair charges and got to the letter before action stage.

Received a letter from Abbey giving me notice that they are unable to renew my overdraft and that i must pay this back.

I wrote to Abbey explaining that i am in the process of recaiming unfair bank charges on the account and that the overdraft is made up of some of the charges therefore i am disputing the amount you are requesting me to pay back. I also explained that i am prepared as a gesture of good will prepared to make a token payment per month to pay off the overdraft until my claim for unfair charges is sorted out.

I received a letter yesterday from abbey which quotes the following.......

"As it has not been possible to reach a suitable payment arrangement, all direct debits and other banking services linked to this account will be cancelled until you pay this money back. You will be charged interest at the unauthorised overdraft rate"

"You must return your cheque guarantee/debit card and any cheques you still have within the next 7 days, further action will which may involve sending a field agent to recover them. If this happens a fee of 45+vat will be debited from your account"

"It is important that you call us today to discuss payment of the outstanding amount. If we do not hear from you, we will write to you to notify you of our intent to register default information and pass you account to a collections agency for full recovery of the debt"

I want to send a reply to Abbey as im so frustrated with them, can anyone advise me????

[drob]

Any Suggestions???

[ohoh4312]

Hi

I did have a look at your post earlier, but I am not really qualified to answer. I am disgusted with their heavy-handed approach, but not shocked, considering banks in general at the moment seem to have the monopoly on dirty tricks.

This is the best I can come up with for you:

Mooshy V LloydsTSB

That might help a bit I hope.

Sorry I can't do more, and I hope you get something resolved.

Best regards

Jo xx

[drob]

Hi Jo

Thank you for taking time to have a look at my post ....... I have been with Abbey for 20 years and will fight them all the way.

[Lula]

Hi drob, all you can really do it open another account elsewhere and place your shAbbey account in dispute, offer to make affordable repayments and dont them them bully you, PUT IT ALL IN WRITING!!!

the trouble is, that they are declining to look at complaints re bank charges until after the test case, so your case could take months to look at, they will bully you but dont cave, they will also probably lodge a default against you with a CRA but when you eventually get settlement you can have the default removed as part of your terms of settlement, but make sure that you include this in your Particulars of Claim, in the meantime, start your spreadsheet and as they keep piling on the charges, then keep adding them to your spreadsheet,

Continue with your letters to them and file at court as per usual, i think it will be important to have started correspondence with them and perhaps even filed at court by the time the test case is over.

Hope this helps

[clairus99]

just my opinion, but.... i reckon you should carry on making your payments to them as usual and then at least you can boost your new bank account when you finally receive your money!

seriously, although you are taking them to court, you don't want to complicate matters by holding payment back and then suddenly have to pay it all off.

don't know if i am explaining myself as i mean to but basically i am having a similar thing with my credit card people; i owe them roughly the same amount on my account that i am claiming for at the moment and am tempted to leave it until they pay out, but by then there will be interest and charges and whatnot, so i'm just going to pay as normal and then i'll have a nice little check in a few weeks' time!

best of luck btw