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!!

[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

[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.

[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??