their robbery is obscene!!!

viv stuart · 8th March 2006, 15:57

What a coincidence! The same day I discovered this site, I also found out that the Abbey have bounced a cheque today for £40 despite the fact that funds of £500 that I paid in 2 days ago will clear tomorrow, meaning I will get charged £35! I have applied on line for back statements, and I am staggered to find that on the statements I do have going back to Sept 2003, they have taken £4139 in charges! Like another member I too had a time when I had to go in branch and take over the counter what they deemed fit for me to have from my salary, and yes because I felt ashamed and at fault i accepted the daylight robbery. Only now that i am almost debt free, I have found the confidence to try and get my money back, so....................wat ch this space!

theone · 8th March 2006, 16:05

Go Viv!!!

missmarple · 8th March 2006, 17:10

You would have been debt free a lot sooner, if abbey hadn't taken over 4K of YOUR MONEY

good luck

viv stuart · 10th March 2006, 12:39

Hi, whilst i wait for my back statements, I reckon that the past 6 years my claim will give a total of well over £5000 especially if interest is added, seeing as I know it to be over £4000 just from Sept 2003 to date. So........from what I have read, do I need to keep my claim below £5000 for small claims court if it goes that far?

Docubot · 10th March 2006, 12:47

Yes, generally. Although if both parties agree then because of the simplicity of the case, even if it were over 5k it could still be heard in the small claim track.

I doubt Abbey will agree though, so you can make an application to the judge.

I would say it's best to split the claim - claim for unpaid DD's and SO's and then a seperate claim for over OD limits.

Hopefully both claims would be under 5k - if not then we can think again.

This just keeps it simple - I still believe that even if it were over 5k the bank would cave.

They would lose in court regardless of the amount - these options are just being prudent.

viv stuart · 17th March 2006, 17:47

Hi, think i sent this to new topic in error.............sorry!
Just to say had a letter from Bradford cust services, thanking me for my request for old statements. said i will recive shortly as in archives.
Is this the sort of letter you want for your records?
Also, now do i give them 40 days to supply, and failing that do i then claim.?
if the answer to this is in FAQS, I'm sorry
V

BankFodder · 17th March 2006, 18:28

Thanks for the offer of the letter. No it won't help us.

Yes the answers are in the FAQs and in the forum material.

viv stuart · 4th April 2006, 17:52

Hi
As I'm not totally used to "forums" it's probably my fault I can't pick up my thred from The bank Action group site. i can log in ok, but thats it, so iv'e decided to post a new thread.
Just to re cap I applied on line for back statemnets at the beginning of March and they wrote to say my request was being dealt with. I got that reply a month ago and have heard nothing since..............so i guess i need to go Data Protection Act route now, yes?
Also I have been trying to open another account elsewhere in anticipation of Abbey closing me down, and No One will accept me! My credit history must be in such a mess from years ago, so I think I will have to play things abit conservative with all this..........any ideas? They have had over £4000 in charges off me in the past 3 years, so it may be double when i get the older statements to look at. I can see I may have to accept some sort of payoff rather than take them to court, and run the risk of them closing my account.

THREADS JOINED.

heppy23 · 4th April 2006, 18:50

Hi, it's worth re-reading the FAQ but if they have ignored your request for statements then you have to go down the formal Data Protection Act route.

The forums on moneysavingexpert.com are a good place to get help finding a new account.

Why settle for less than the full amount? It is your money that they have illegally taken from you. You deserve it back, every penny.

If you are worrying about going over the £5000 limit for small claims and opening yourself up to costs then think of ways of splitting into chunks (i.e an account at a time, a year at a time or a type of charge at a time).
You may find with the 2nd claim they might play ball quicker (or they might not!).

It is worth finding out exactly what they owe you and decide from there.

ianc · 5th April 2006, 13:30

I'm not sure what the total of my claim against Abbey will be, but I'm thinking of submitting a claim for charges deducted in 2006, a claim for 2005, a claim for 2004 etc etc. if it looks like they'll go over £5k. That way, Abbey have to pay 5 lots of court costs too - that'll make them grimmace!

heppy23 · 5th April 2006, 13:35

might be better to work oldest first if any are near the six year limit.

ianc · 5th April 2006, 15:10

Yeah, I guess so. Saying that, I didn't open my Abbey account until around September 2000, so every charge on my account can be claimed back anyway!

dave · 5th April 2006, 15:38

DO NOT put the claims in at the same time - sever them, by all means.

If you put them in at the same time the bank will apply to the court to have them put together and this could push you into the fast track rather than the small claims track.

You are still protected from costs up to a max of £750 - if you lose.

I still think you'd win, but to be on the safe side - win one at a time.

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