Natasha V Abbey (confused?)

[Natasha]

Hello guys,

I've read through the FAQ but i'm not sure which letter in the libarary i have to send off to request my statements from Abbey!

Please could someone be so kind to tell me the title of the thread i need for the letter in the library?

Many thanks

[Docubot]

http://www.bankactiongroup.co.uk/for...opic.php?t=564

[Natasha]

Many thanks Dave!

[Natasha]

Should i send my Data Protection Act letter to

Data Protection Team
Regulatory Compliance
Abbey House
201 Grafton Gate East
Milton Keynes
MK9 1AN

With a cheque for £10?

I have read this in another thread, do you think that will be the best bet to get all of my statements?
And....
I have put in my letter to supply statements since my account was opened, i didnt put a date just put "since my account was opened" is that acceptable?

[Docubot]

You don't need statements - you just need a list of charges with dates and amounts.

[Natasha]

Ok thanks dave.
To get the lits of charges etc should i send a cheque of to the above address?

[Docubot]

You may not need to send the cheque.

Phone Anna - in the top of this forum (Abbey contact details).

She should be able to provide you with a list - she did it for me free of charge.

(you could mention that I sued and got my money back - I'l like to let her know that I was right! )

[EricTheRed]

Sorry to be a bit thick about this but do I?

1. As I don’t know the exact amount send the Data Protection Act letter to the Abbey and when I get the records and then………………
2. When I get a reply from them detailing the charges send the letter and spreadsheet detailing my claim?

[Natasha]

Eric you have to start your own thread, then people can answer your questions better and then your questions wont get lost in my thread.

[richardc]

You have hijacked someone else's thread.

Please start your own

[Natasha]

Just merging my two posts.

Quote from my other post

I'm really depressed now just received my statement i have £145 worth of charges coming out on the 17th which means i cant make my mortgage payment i really dont know what to do now....

-£20 overlimit fee
-£35 for returned abbey loan direct debit
-£30 for visa payment of £1.99
-£30 for visa payment of £1.99
-£30 for visa payment of £1.90

Total £145.00

I have already worked out my finances for this month to make sure i dont go over drawn and it all adds up if i stick to my budget, which i will but now its all messed up!!

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[Natasha]

Well i called abbey this morning, i'm continually getting more and more nervous and stressed each time i call, to the point where i came up with blotches on and around my neck!

Got through and spoke to someone in India, i told him they were very unfair charges and that why are they so high?

He said the charges are valid and he cant refund them and just said that the bank sets the charges at that price.
I mentioned about my "abbey mortgage" coming out on the same day and that i couldn't afford to pay it if they took out the charges.
He said well if you have funds in another account then you can transfer the money over???????? does he think i'm stupid i said well if i had the money to transfer over then i wouldn't be calling you would i???????!!

He said he will send me some leaflets about how to take my complaint to higher authorities

So i had to call my abbey mortgage and explain to them, they guy said that i will get a default on my mortgage account, which they have never said to me before when I've previously called them to make arrangements

God i'm so angry

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[BankFodder]

He said he will send me some leaflets about how to take my complaint to higher authorities

Well that's good service. The banks now issuing leaflets on hehalf of the Courts Service. Very helpful

[Docubot]

this is just a suggestion - but if I were in the same position, I would remove the money from the account before the charges are taken - don't worry if you incur more charges - you're going to get those back anyway probably with 8% APR tacked on top.

Open a basic accountas fast as possible.

Cancel the DD to Abbey's mortgage dept and phone them and tell them that they are going to have to accept a cheque this month - best not to default on a mortgage payment.

Give the money for the mortgage to a family member or friend that you trust and get them to write a cheque to Abbey mortgages for you - or even take the cash into a branch to pay it - they probably won't accept this, as it would be helping you out - and if this site has taught me anything it is that banks will do everything in their power to make things difficult, especially if it means that by doing so they 'can' charge more.

Have your wages paid into the new basic account when it is set up and then write the letter asking for the list of charges over the last 6 years. When you get it, send the 14 day notice letter.

After 14 days start proceedings.

However, does anyone know if this could affect the mortgage -i.e. could Abbey foreclose because of this?

[34Flipper]

I asked this question in a different part of the forum. I don't know if this is of any use to you but have a look.

http://www.bankactiongroup.co.uk/for...pic.php?t=1391

I hope not, I am just about to renegotiate my mortgage with the thievin' gits!!!

[BankFodder]

It would take consderable proceedings to foreclose on a mortgage.
Bu best to try and keep the mortgage sweet. Nice to have one area of tranquility n your life.

[Natasha]

thanks guys

I will definately open another account, but i dont know about paying my wages into another account just yet because i have a £2400 overdraft with them at the moment and they would demand it back if our wages were not going into the account, which i dont think i can handle right now.
I should be able to pay my mortgage payment by the end of the month which should hopefully stop any default from showing on the account.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Natasha]

Just had a reply to the Data Protection Act act letter i sent to;
Abbey house
201 grafton gate east
milton keynes
MK9 1AN

with a £10 cheque.

Dear Natasha,

thank you for your letter, which was recieved here on 13th march 2006.
I note that your are requesting a complete list of transactions and charges on the above account number, as well as details about any manual interventionthat may have taken place in relation to your account.

As you are requesting for specific information, Abbey will deal with this without you having to make a request under the data protection act. I have therefore forwarded your letter onto our complaints department for them to deal with and they will be in contact with you in due course. The information will be forwarded to you free of charge and as such i have duly returned your £10 cheque.
If the data you receive does not satisfy your requirements, you still wish to make a subject access request under the data protection act. I have enclosed an information sheet outlining our procedures.

I trust this meets your requirements.

Yours sincerely

Sheena small
Data protection consultant

They have enclosed a sheet detailing about Data Protection Act and a subject access form if i need it.

So does this mean they can take as long as they like now??

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Natasha]

just recieved quite few pages of transactions,etc breakdown only up to 26/7/04 i only found one charge in that lot.
I believe most of the charges come after 26/07/04 to present, so i will wait a few days see if the rest is coming in the post if not i will send them a little reminder. 17 days left remaining

Edit- i should also add i logged on to my internet banking and requested statements from 2002, so this could be a reply to my statement request and not my Data Protection Act

[Natasha]

Still nothing so i will send them a reminder that the clock is ticking!!