Lorn250 v Abbey Help needed

lorn250 · 17th May 2007, 23:19

I sent Subject Access Request to abbey at beginning of March and received all my statements for the last six years at the end of March. Sent letter requesting repayment of charges early April, after being given the runaround I have finally received a letter saying that the charges are lawful and they will not be refunding anything.

I am really annoyed about this and decided that I would take this further, i.e court. The thing is when I checked my statements, they actually owe me far more than I was claiming.

My question is do I send them the LBA for the new amount and give them 14 days to reply (I know they will ask for another 8 weeks!) before I start the court action.

Many thanks

Lorna

noobrider · 17th May 2007, 23:20

oh yes get that lba in for the new amount together with a spreadsheet breaking it down give em hell and stick to your timetable not theirs

lorn250 · 17th May 2007, 23:23

Noobrider, love the bike. Thanks for that. Do I add the 8% on yet or is that only when I do the court action

Lorna

noobrider · 17th May 2007, 23:26

no dont add the 8% as they will definately know that you are a bit dubious about the claim. You can only add that once you have issued the claim in the court. Have a really good read of some posts to get the gist of what happens and the correct procedures. My first claim might be a good start as its quite detailed as I learnt through doing and asked lots of questions. http://www.consumeractiongroup.co.uk...ight=noobrider

Thanks for the bike comment...I bought it with the proceeds from my last claim.

lorn250 · 3rd June 2007, 22:05

Just had the normal letter from Abbey i.e. we need another 4 weeks to look at your charges, I've decided to carry on with the next step and use my time table not theirs. Went into Abbey yesterday to close our account, only to be told that they were takinganother £50 in charges, carry on said I, I will just add this onto my list of charges to be claimed. Needless to say they were not happy.

Lula · 4th June 2007, 02:01

LOL Lorn, you can add on all extra charges up until the time that you go to court.

lorn250 · 4th June 2007, 17:45

Thanks for that Lula, just looking at my statements, they go back to end of nov 2000, can I claim them as well.

You guys are terrific, I wouldn't have the guts to go on with this without you.

Lorna

Lula · 4th June 2007, 17:46

Lorna, yes you can claim back for as far as you have, there is no argument to the Statute of limitations as they have concealed their charges

lorn250 · 8th June 2007, 16:12

Today received a nice letter from Abbey inviting me into the branch so they can talk to me about saving money. Felt like ringing and saying pay me back the £1650 you took from me and I will have saved £1650. LBA ready to go on 11 June

lorn250 · 13th June 2007, 21:54

update, LBA sent 11 June I am now starting to fill in the N1 form just in case

lorn250 · 23rd June 2007, 14:31

Still no word from Abbey so I will be handing in my N1 form to the court on Tuesday. Is this when I can add the spreadsheet with the 8% interest.

Lorn

noobrider · 23rd June 2007, 14:45

yep sure is, your on a roll now

lorn250 · 29th June 2007, 15:19

Today I went to the court and put in my N1. It feels great, when I get my money I am going to treat my son to a holiday as he has just been told he's off to Iraq for the second time.

lorn250 · 10th July 2007, 21:15

Forms back from the court, Abbey have until the 18h July to put in a defence. Do I need to start getting by court bundle ready now?

Lorn250

ohoh4312 · 10th July 2007, 21:38

Hi Lorn

Sorry to hear about your son going back to Iraq - worrying times for you and him I guess.

Anyway, no, you do not need to start on the bundle yet - may not have to do one at all with any luck!

It's a waiting game now - Abbey have until 16th to respond to me, so we are practically at the same stage, along with a LOT of others. Me hoping they are so snowed under that they will not respond to all the Claims, and we can go for automatic judgement under default - if only!!

I will keep an eye on your thread for any developments, and let you know whats happening on mine if you like.

Very best regards

Jo xx

ps I am very jealous of where you live... Cornwall is sooooo lovely, and Croydon is sooooo..yuk!

lorn250 · 10th July 2007, 21:44

Jo, thanks for the message, you are right about the worry, I hate the idea of him going, but he has no choice, its a mum thing this, I will be sending lots of parcels out so he has a bit of home comforts (another mum thing). Cornwall is a lovely place to live, I live right by the sea. Antime you are down come in for a cuppa, we are very friendly down here.

Lorn

ohoh4312 · 10th July 2007, 21:58

Hi Lorn

Oh that is so nice of you! I will be in South Somerset visiting my Dad with my two boys sometime in August, so you never know!

Mine are still only young, 9 and 10, but I worry all day, every day about them, so I sort of know how you feel. Eldest went on a day-trip to France yesterday and I couldn't concentrate on anything all day, wondering if he was okay!

Thanks again for your wonderful offer - I know how friendly it is down there, since Dad moved, and one day I will swap this dump for somewhere better.........I hope!

Very best regards

Jo xx

lorn250 · 12th July 2007, 18:04

update, Oh no abbey had said that they are defending all charges. They have 28 days, is that 28 working days or 28 calendar days. What do I do next

Lorn

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