abbey- bank charges can someone help

jomac1 · 11th May 2009, 12:39

i applied to re-claim my bank charges last july the charges total in excess of £1000. they have only once replied telling me the charges were lawful and that i would have to wait to hear what the test case outcome is , since then i moved all my DDs to my partners account, leaving my account empty to which they added a further 335 in charges sending the account overdrawn without an o/d facility. which i refused to pay they have since sent this to a dca and closed my account.

i have no idea how to chase up my bank charges claim , and if they have closed my account will this affect my claim? any help would be very much appreciated

BankFodder · 11th May 2009, 13:50

Having the account is closed will not affect your bank charges claim. Don't worry.

You should write to the bank immediately and also to the DCA pointing out that the charges are in dispute, that you are claiming them all back and that they should not attempt to carry out any enforcement action against you.

Have they or anything on your credit file? You should find this out.

jomac1 · 11th May 2009, 14:22

yes the abbey has put it on default?

jomac1 · 17th May 2009, 13:11

i have found my original claim letter dating 4th sept 09, and upon receiving further advice have sent th following.

Dear Sir or Madam,

Ref: Account number: xxxxxxx

This letter is in reference to my earlier claim for £xxxx made on 4th September 08

I have not received a satisfactory response to my earlier request for charges, which I believe, were unlawfully applied to my account.

Under the Unfair Terms in Consumer Contracts Regulations 1999, charges must reflect administration costs and cannot be punitive.

The £ charges are unlawful, as they do not reflect the true cost of going into an unauthorised overdraft. As a result, I intend to claim the full amount plus interest and court fees through the county court.

I look forward to a full response to this letter within seven working days, otherwise I will commence court proceedings.

Yours faithfully,

is

jomac1 · 17th May 2009, 13:11

is this the right course of action to take?

jomac1 · 19th May 2009, 13:30

IS IT RIGHT THAT WHILST IAM CHASING THEM FOR MY CHARGES THAT THEY ARE NOT ALLOWED TO CHASE ME FOR ANY MONIES AS THE ACCOUNT IS EFFECTIVELY IN DISPUTE???

jomac1 · 2nd June 2009, 16:01

have had a letter back saying until the test case goes through they have all complaints on hold

jomac1 · 3rd July 2009, 11:26

have been away can anyone advise as to how the test case went and what i can do next?

jomac1 · 7th July 2009, 10:24

am still none the wiser as to where i stand as no one at abbey wants to talk to me any ideas???

charleyfarley · 7th July 2009, 21:41

Quote:

Originally Posted by jomac1

have been away can anyone advise as to how the test case went and what i can do next?

Law Lords update

not much help I'm afraid, but it's still very much a case of wait and see

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