consumer forums consumerforums Total Bank Charges Returned : £17,500,569 to 10384 people.

Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Registration Problems | FAQ
The Consumer Forums  

CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and ensure this site will remain free to use!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
Consumer Action Group envelope labels Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

Patricia Pearl - Small Claims Procedure - A Practical Guide
An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.
£17.10 + £1 (P&P)

Lawpack - Small Claims Kit
Contains everything you need to sue your bank (or anyone else) including sample forms, instruction manual, templates, and an entire set of court forms in PDF format on CD Rom.
£10.99 + £1 (P&P)

Last Will and Testament Kit
Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.
£12.99 + £1 (P&P)

Fight a Motoring Ticket Kit
All the templates and documents that you need to challenge your speeding ticket, parking fine - with advice from one of the UK’s leading motor offence solicitors
£9.99 + £1 (P&P)


Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Abbey Bank

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
eBay buyer?
Buy more cheaply
Win more often
ConsumerSniper.com
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Ebay buyer?
ConsumerSniper
Free unlimited bids and eBay tools
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
 

Abbey Bank Meet other Abbey Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded

Reply
 
LinkBack Thread Tools
Old 5th March 2006, 17:00   #1 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
We need funds
Please donate something

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default Natasha V Abbey (confused?)

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
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th March 2006, 17:05   #2 (permalink)
Administrator
The Consumer Action Group
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Jan 2006
Posts: 1,438
Docubot has disabled reputation
Default

http://www.bankactiongroup.co.uk/for...opic.php?t=564
__________________
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Docubot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th March 2006, 17:17   #3 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Have we helped you? Please help us by making a donation

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

Many thanks Dave!
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th March 2006, 09:56   #4 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Watch out, there are Claims Touts about!

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

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?
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th March 2006, 10:22   #5 (permalink)
Administrator
The Consumer Action Group
 
Our auction sniper is now live. Try it for free

Cagger since : Jan 2006
Posts: 1,438
Docubot has disabled reputation
Default

You don't need statements - you just need a list of charges with dates and amounts.
__________________
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Docubot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th March 2006, 10:44   #6 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Our auction sniper is now live. Try it for free

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

Ok thanks dave.
To get the lits of charges etc should i send a cheque of to the above address?
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th March 2006, 10:56   #7 (permalink)
Administrator
The Consumer Action Group
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Jan 2006
Posts: 1,438
Docubot has disabled reputation
Default

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! )
__________________
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Docubot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th March 2006, 13:03   #8 (permalink)
Basic Account Customer
 
Your bank owes you an awful lot more money than you realise See here

Cagger since : Mar 2006
Posts: 148
EricTheRed Novitiate
Default

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?
EricTheRed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th March 2006, 13:06   #9 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Watch out, there are Claims Touts about!

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

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.
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th March 2006, 13:07   #10 (permalink)
Platinum Account Customer
 
richardc's Avatar
 
We need funds
Please donate something

Cagger since : Feb 2006
I am in: Shropshire
Posts: 860
richardc Novitiate
Default

You have hijacked someone else's thread.

Please start your own
richardc is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th March 2006, 10:47   #11 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Try our eBay sniping service

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

Just merging my two posts.

Quote from my other post

Quote:
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 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th March 2006, 10:57   #12 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Is your bank avoiding its debts
Data disclosure poll

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

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
__________________
Natasha

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)
sent reminder email on 17/4/06
called abbey on 19/04/06 to remind them
sent another email on 26/04/06
Approx charges £2500
received £500 refund in dec 06
sent LBA
Capital one- sent DPA letter 17/03
Sent prim letter for charges of £260 14/04
Received a refund £109 awaiting further refund of £151
Settled IN FULL
Barclay card- Sent DPA letter 17/03 sent reminder 14/04
received info claiming £120
settled in FULL
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th March 2006, 11:22   #13 (permalink)
Site Team
The Consumer Action Group
 
BankFodder's Avatar
 
Have we helped you? Please help us by making a donation

Cagger since : Jan 2006
I am in: Please consider making a donation if we have helped you. Thanks
Posts: 9,654
BankFodder has disabled reputation
Default

Quote:
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
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
BankFodder is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th March 2006, 11:34   #14 (permalink)
Administrator
The Consumer Action Group
 
Have we helped you? Please help us by making a donation

Cagger since : Jan 2006
Posts: 1,438
Docubot has disabled reputation
Default

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?
__________________
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Docubot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th March 2006, 01:49   #15 (permalink)
Basic Account Customer
 
Have we helped you? Please help us by making a donation

Cagger since : Mar 2006
I am in: Maidstone
Posts: 28
34Flipper Novitiate
Default

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!!!
34Flipper is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th March 2006, 06:38   #16 (permalink)
Site Team
The Consumer Action Group
 
BankFodder's Avatar
 
Watch out, there are Claims Touts about!

Cagger since : Jan 2006
I am in: Please consider making a donation if we have helped you. Thanks
Posts: 9,654
BankFodder has disabled reputation
Default

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.
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
BankFodder is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th March 2006, 08:04   #17 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Our auction sniper is now live. Try it for free

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

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 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th March 2006, 12:24   #18 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Where else can you earn 8% interest on your money?
Start your County Court claim NOW!!!

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default

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.

Quote:
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??
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th March 2006, 12:54   #19 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
Free trial on our eBay auction sniper

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default Natasha V Abbey

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

Last edited by Natasha; 29th March 2006 at 13:01.
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th April 2006, 23:07   #20 (permalink)
Classic Account Customer
 
Natasha's Avatar
 
We need funds
Please donate something

Cagger since : Feb 2006
I am in: East London
Posts: 234
Natasha Novitiate
Default Re: confused?

Still nothing so i will send them a reminder that the clock is ticking!!
Natasha is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply


Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Natasha Vs Lloyds TSB Natasha77 Lloyds Bank 35 23rd January 2007 19:34
Natasha Vs Lloyds Natasha77 Welcome to the Consumer Forums 1 11th September 2006 20:21
Natasha V Barclaycard Natasha Barclaycard 9 23rd August 2006 10:56
Natasha V Capital one Natasha Capital One 10 10th June 2006 20:27






Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE