 First Steps
Hi, Everyone - great site thanks very much.
Like a lot of others here I have had an authorised OD with Abbey, and like a lot of others also its been increased to pay charges so you find it spiralling out of control. I too, in the past have been through the same crap with them when they've wanted the money back in one go without pre warning me first, leaving me with no alternative to get a loan to pay them back amid threats of defaulting me. Anyway, because of financial difficulties I did something I swore I'd never do again and I accepted a 200 pounds OD, which has now swelled again due to being back on the merry go round to 700 pounds. I've pulled my belt in and it means the family going without for a few months but I'm trying to reduce it month by month by 100 pounds.
In January I was stung for 280pounds charges for a few purchases (none being over a tenner) made over xmas when I thought there was a few more quid in the account than there really was. I rang my local branch in India who informed me they were prepared to take off 80 pounds as a "gesture of goodwill" leaving me with 200 still to pay. Money which would have gone to paying of the OD.
I went to Abbey here and was told the usual computerised etc and she couldn't do anything. Thats when I mentioned it to a friend and they told me about this site.
Now armed with half a plan to reclaim whats mine and get retribution off these b****ds that have put me and my family through so much unecessary stress, I'm still a little reticent because I'm still in their hands.
If I was to send the letter now would they say give us the 600 you still owe us?
Do I wait six months and the hit them, but in that six months will they have closed some of the gaps to stop us reclaiming our money back, or at least make it harder, because I reckon now that customers are starting to fight back they're going to start taking this very seriously and find some way of stopping the haemorrhaging of their ill gotton wealth claiming to the courts that this will drive them out of business.
I'm determined to get back whats mine because that 200 quid is only the tip of the iceberg, they must have had thousands off me over the years and to find out that this was illegal coupled with the way in which they made me feel like a criminal and the hardship and near breakdown of my family, I want to take a little bite out of THEM for a change.
Should I send the letter now or do I wait?
Thanks in advance | 
