Partner's Abbey claims

[electrica77]

Hi,

i haven't been to this bit of the forums yet, as have been too busy dealing with debts, but I have processes underway there so decided to come here at last!

My partner and I are really struggling financially at the moment, and we are desperate to move as most of our money is going into our house, which we rented when I was earning a lot more. It's one of those chicken egg situations where we can't save money till we move, but we can't move till we've saved some money.

Most of our debt is in my name, and currently most of it isn't being chased, so I am leaving it dormant, even though I know I have a ton of charges I could reclaim (I will do this if the sleeping dragon wakes, but I'm not going to prod it as I owe them more than they owe me)

My partner however, has relatively good finances, except for a large overdraft of £1700, which we are now regularly exceeding. We are just treading water every month.

He is with Abbey, and I what I would like to know is whether we will be able to pursue a claims charge (there are a lot of charges on his account!) without making our situation even worse. For instance, should he get a back up account ready? Should we move our debits and payments? I am just a bit unclear about what chasing teh charges will actually mean.

He also has two credit card accounts- one is paid off now and one has £600 outsatnding which he pays at minimum amount each month, so can he also claim on these?

Is it worth claiming now before the test case pallaver has finished, or should we wait?

General advice would really be appreciated.

Thanks!

[Mr lex]

Hi Electrica and welcome to the Abbey forum

In the first case, have a read of this step by step guide you can find here:-

Example Step-By-Step Instructions - Now updated to reflect the OFT court judgment

If you don't have all your statements, and not many of us do, you need to get copy's of all your transactions from Abbey. To do this you need to send a Subject Access Request letter to Abbey. A template letter can be found here :-

1. Data Protection Act, Subject Access Request letter - List of charges

Once you have a list of your charges, you can use one of the spreadsheets here to work out your claim and the interest you can add if you have to file at court. :-

6. Interest calculation spreadsheets

I hope this helps, it is not as complected as it may first seem. Any problems, come back and give us a shout.

Lex