Juliedionne v Abbey - Stage 1

juliedionne · 24th September 2006, 20:34

Hi. I have copied the perliminary letter and saved on my computer. I've downloaded a statement from my bank for the whole period required. (I have only been with them a year!). So here goes. I'm going to rock that bank with the help og the Consumer Action Group.
The group has certainly given me the confidence to stand and be counted!

Confuddled · 24th September 2006, 20:48

Hi Julie

Best of luck with your claim, not that you will need it.

Keep reading and post here if you need any help with anything

xxx

juliedionne · 24th September 2006, 20:52

Thanks confuddled! That sounds like me. It has taken me 1.25 hours to work out how to post a thread! And I thought I was pretty computer literate! Never mind, done now and looking forward to the challenge!
Thanks for your words of support.

juliedionne · 20th January 2007, 13:27

Hi Everyone. I first started my claim back in Sept and made the mistake of
leaving it for a few months and finally sent the letter and caluculation as instructed in November. I received two replies from Abbey the latter advising that they had carried out a full investigation and that they "are satisfied there charges do not contravene the Unfair Terms in Consumer Contracts Regulations 1999."

This was 12th December and with Christmas etc I have only just got back to the issue and wonder if now is too late to do anything even if I could.

Should I carry on - start again - or forget it??

I would like to be a winner rather than a giver upper!

juliedionne · 20th January 2007, 13:29

Hi confuddled.

I've made a new post on the forum and wondered if you had any good advice.

Thanks

Karnevil · 20th January 2007, 15:53

Hi Julie

I would suggest you now send one further letter - the same as the LBA in the library referring to your previous letters and that you have not had a satifactory response, and you will file in court within 7 days.

And start orgainising your paperwork ready for court

Links to N1 in my signature.

Hope that helps,

Karne
x

juliedionne · 22nd January 2007, 16:58

Hi Karnevil. Many thanks for the advice. Will do straight away. Also since my first contact and spreadsheet of charges, Abbey have made further charges to my account. One for being 0.49p overdrawn because they had taken charges! Should I include an updated list of charges or leave as before?
There is quite a sum since. Thanks.

Oh and would Consumer Action like me to scan my letters from Abbey and post them somewhere on the site? as examples?

juliedionne · 15th March 2007, 21:27

Sent my 2nd letter giving 7 days and . . . . . yes you guessed it! They didn't even have the courtesy to reply!

So I guess the next stage is court papers. Where do I look for these??? I am starting to panic now. But I guess that is what they want!

juliedionne · 15th March 2007, 21:29

Oh just read that someone sent there letter by recorded delivery.. I sent my just signed for?? Should I have sent recorded! ??? Will this be a problem? HELLP ! ! ! !

Michael Browne · 15th March 2007, 21:37

Quote:

So I guess the next stage is court papers. Where do I look for these??? I am starting to panic now. But I guess that is what they want

This may help:
Getting MCOL Right

Quote:

Oh just read that someone sent there letter by recorded delivery.. I sent my just signed for?? Should I have sent recorded! ??? Will this be a problem? HELLP ! ! ! !

No.

juliedionne · 15th March 2007, 21:45

Thanks Michael. All assistance much appreciated.

juliedionne · 15th March 2007, 21:48

Hi again Michael.

Just been to the link you recommend. Do I use the MCOL or small claims local court? I did advise the Bath court in my previous letter?
Thanks

Lula · 15th March 2007, 21:57

if you use MCOL it will assign the case to your local court and if you have had any further charges, then add them all on

juliedionne · 25th March 2007, 23:09

Hi Lula

Just got back online.... I have talktalk... thats another problem! Thanks for the info. Will look and sort out tonight/tomorrow!

Regards Julie

juliedionne · 27th March 2007, 22:01

I am on the MCOL website completing my claim, but stuck on the interest part. I have a spreadsheet of charges, but don't know how to calculate the 8% figure. Can I just put claiming 8% and let the court work it out?
HELP

juliedionne · 27th March 2007, 22:02

I am on the MCOL website completing my claim, but stuck on the interest part. I have a spreadsheet of charges, but don't know how to calculate the 8% figure. Can I just put claiming 8% and let the court work it out?
HELP

juliedionne · 27th March 2007, 22:17

Can anyone help me with the court fee costs?? I thought these were approx £30.00, but when I have calculated the cost on the MCOL website for £505.30 of charges the cost has come up £80?

Michael Browne · 27th March 2007, 22:22

Quote:

Can I just put claiming 8% and let the court work it out?

No, and why should they, it's not their claim.

Which spraedsheet did you use?

sparkydawg · 27th March 2007, 22:32

Hey,
The spreadsheet most people use involves entering your charges in one by one with the date they occurred and what type of charge they were (Unauthorised overdraft, Clea

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