us v the Abbey for £7,500***WON***

[deedee1310]

Hi again ohoh.

Just read this thread LastLaugh V Woolwich-Help Not what I expected!

In post number 9 by MadCat, he/she stated "I used the list they sent me as the basis of my claim with no problems"

I don't think that you should have any problems proceeding with the printouts they gave you. However if there is a Mod or Sitehelper who can tell us differently, we would be glad to hear from you!

[deedee1310]

Sorry it's me again.

I'm determined to not let you give up!! Just been doing more reading. Most people have claimed using the printouts or copy statements provided by the banks. They have provided these documents as part of their document bundles.

If I were in the same position, I would proceed with the printouts that you already have.

Please, please hang in there!!

[Leecabs]

Hi Jo,

sorry was off work yesterday had the gas man coming round and all that Jazz. I think your brave going ahead with all the statements going back as far as they have sent you! But go for it remember you can always do a 2nd claim for after 6 years if all the legal stuff gets to much.

Did you get itemised bank statements as the charges should be shown on the them as it is a transaction from your account!

Nearly everyone bases their claims on the statements sent to them by Abbey and the microfiche data. What ever happens Abbey have sent you this information so it must be correct, ignore the old statements as I had some where they didnt put the charges on yet they showed up on the micro-fiche.

Try not worry and keep at it you will be fine!

Leecabs

[ohoh4312]

Hi all - I'm back!

Took a few days out to clear my head, and it has definately worked.

I was in such a state last week, what with them declining my card amidst other things, that I was panicking and doing everything wrong.

Anyway I was looking at the wrong statements :o so that panic is out the window, thank god!

As far as the card saga goes, they DID stop it - I got a letter Saturday morning from Abbey Financial Crime Operations asking me to call urgently.
When I called I was told they were investigating "unusual transactions" on my account, so they had stopped my card for my protection!
One of the "unusual" transactions was the Council Tax payment?! (Dont always pay it on time, but do pay it!)
So that is sorted now too, but really p'd off that it took them so long to inform me AFTER they had flagged the card, and also that on two occasions on the phone to Telephone Banking they told me there was nothing wrong .

Does anyone think they are messing me about, or is it just another coincidence?

Anyway, I am going to go ahead with the Court claim on Friday morning, but other half thinks I should just go for 6 years - "too much hassle" he says - so far his only input has been to sign the Data request form!!!!!

But spreadsheet amended and N1 draft done - and I think I've got it all right now!

Thanks for all your support, especially Leecabs and deedee, and sorry again for being such a hyperactive dufus!!!!

Will check in Friday after I've been to the court (omg!), if not before.

Jo xx

[deedee1310]

Yay!! Glad to hear that you're thoughts are more collected!

As I said before I'm taking on Abbey back to 1998. The Statute of Limitations Act 1980 does not apply because of s.32 (concealment).

You are also within your rights to do the same. I've read the Abbey Forum posts and others since I became a member (yes - I am on here everyday now ), so I know that people have had success and I'd love to hear shAbbey argue the toss in court

I'm counting down the expiration of my preliminary letter to shAbbey. 7 more days and counting! They sent me the crap "fob off letter" on the sameday that they received my "complaint".

Anyway, that's what we are here for - to help and encourage. As I said before, I may well need the support when it gets too much!

Hope they settle with you before you need to use form N1, however if they don't, you know we've got your back.

[ohoh4312]

Quick question, but an important one!

On my spreadsheet I have deducted the GoGW as a line on the bottom - with the date it was refunded. Do I have to add credit interest on it too, ie fill in all columns as the rest?

(Sorry tried pasting an excerpt on here messed up the columns and was illegible)


Or should I show it a different way?


Thanks in advance


Jo xx

	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.

[deedee1310]

Hey Jo, sorry couldn't read your last post well. I copied and pasted it into word. Should it read as follow?

CLEARED TRANSACTION 30.00 29/03/2007 810.5330.53 CLEARED

TRANSACTION 30.00 29/03/2007 810.5330.53 CLEARED

TRANSACTION 30.00 29/03/2007 810.5330.53 UNPAID DD

CHARGE 35.00 29/03/2007 810.6235.62

MISCELLANEOUS FEE REFUN-430.00 06/06/2007 12-1.14-431.14

Not sure what the numbers mean after the dates in the charge and miscellaneous fee entries.

Let me know if the rest is as it should be.

[ohoh4312]

Oh just edited it again - soz deedee!
The numbers after the date are the days elapsed -ie 81 - the amount of interest - ie 0.62 then the total -ie 35.62.

It looked okay when I was writing the post, but came out garbled!

Dufus again!

Jo xx

	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.

[deedee1310]

I'm pretty sure that you don't need to put credit interest on. I have read extensively around the forum and I have not seen this mentioned anywhere. BTW, which spreadsheet are you using?

I would regard it as a reversal of some of the charges (albeit a rather big one and leave it where you have added it.



BTW, you are not a dufus

	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.

[ohoh4312]

Aw thanks deedee

Using my own one that I had set up prior to coming on here, but it looks very similar to the template one, and I copied the formula across for the 8% calculation and the days elapsed. I have got a copy of the template one and I input some of the info to double-check, and all the calculations are identical, so I am confident that mines ok.

Jo xx

[Leecabs]

Hi Jo,

good to hear your going ahead with the claim, I wonder if you had put in the N1 claim already would you have had to take off the charges paid back to you once it was in?
Or would it stay the same still stacking up interest on what they put back?

All the best

Leecabs

	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.

[ohoh4312]

HELP/ADVICE NEEDED - PLEASE!

I tried to pay for a flight home from Gibraltar for other half this morning, and the payment was DECLINED again! Finally sorted it, after ebookers had to get special authorisation from shAbbey - spent 57 minutes on the phone, all for £59.50.

Then postie arrives, with a letter from Financial Crime Operations for him (same as one I got, see post64), so now they have stopped his card too!

My questions are:

Do you think they are playing silly wotsits with us, seeing as the N1 is due to be filed on Friday?

If so, do I have any grounds for a complaint, say to the ombudsman, on the basis that they are acting unfairly and denying us access to OUR money?

Or would that compromise the situation further?

Really really would appreciate any help on this one - I am so mad I could scream!

Thanks

Jo xx

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

	Consumer Protection from Unfair Trading Regs 2008 Follow this link to our CPUT entry in the library. Using CPUT you can complain to Trading Standards about Unfair Commercial Practices. Complaining under CPUT is easy to do. It costs no money and carries no risk. However, you may also need to bring your own direct action to produce a solution to your own problem or to get compensation.

[ohoh4312]

Sorry to bump, but this is really worrying me, and I really need someone to advise me whether to put in a complaint at all, and if so when to do it ie before or after I file the N1?

As a bit of background:

My letter from FCO was dated 12th June, and when I called them they were querying 1 transaction on the 11th June and 3 on the 12th June, all of which were internet payments.

Other half's letter is dated 15th June, but looking at my records - I keep a record of all transactions on a spreadsheet and compare it to the online statement nearly every day - his most recent transaction (for £5.20!) was on the 8th June, and the 3 before that were 24th, 14th and 3rd MAY! (This tallies exactly with the online statement as at 30 minutes ago).
None of them are internet payments (he wouldn't know how!), and one of them is where he paid cash IN! He has not even attempted to use his card while in Gibraltar, he is using the parachute account; I would possibly understand it if they were looking at an overseas transaction, but they are not.

So what the hell are they investigating? This gets fishier by the minute. In all the years we have had this account they have never ever queried a single transaction, so why now?

Any thoughts/suggestions, pretty please with a cherry on top?!

Thanks

Jo xx

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[Leecabs]

Hi Jo,

it seems strange they have done nothing like this to me, then again they just seem to be ignoring me no offer so on.

I would have said had you put the N1 claim in already they may started doing this out of abuse, but seeing how they have not even been issued with your claim yet I cant see why they would.

Has anyone else had experince of abuse from Abbey before the N1 claim form????

Sorry I cant be of more help as I havent been in this situation as yet touch wood.

Can someone help Jo please?

Leecabs

[noobrider]

Hi Jo, just replying to your request.

I'm not totally convinced that there is anything untoward happening from Abbey in conjunction with your claim and the effects of your card being stopped initially appears to be coincidental. Continue with your claim as normal however I would advise contacting Abbey regarding the actions on your account and demand a full explanation. Once you have the evidence in front of you and Abbey have explained their actions then you could potentially see the financial ombudsman but not until they have completed their investigation. I don't believe this will have any bearing on your current claim as we all know Abbeys bank charge team operates almost independently from the rest of Abbey.

Hope that helps

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[ohoh4312]

Wow noobrider, thanks for the speedy reply!

That puts my mind at rest about compromising the Court claim, and once other half has called tomorrow to find out what they are investigating on his card, I will send a letter to Abbey as you suggest asking them what the hell they are playing at! (or words to that effect).

Thanks so much for the advice (sorry again for bothering you with it); it may well be a coincidence, just seemed a bit suspicious.

Huge thanks

Jo xx

[deedee1310]

Hey Jo.

Sorry for not replying sooner. Have been at a funeral all day

I agree with noobrider that it is probably coincidental. You should still continue with your claim (I would if I was in the same position), and most definitely call them to find out what's going on.

"Keep going all the way until your PAYDAY" (quote from deedee1310, 2007)

	What do do following a death Follow this link to read the review of this basic guide by Lawpack. Includes: # understand the emotions of bereavement after a death # register the death # organise the funeral, whether it is burial or cremation # use the services of a funeral director # probate, and how to deal with your loved one's finances and property # how you can apply for bereavement state benefits and payments

[determindator]

Hello Ohoh!
I have just read your thread. Charley Farley's threads will help as it does me. I didn't even write to Abbey to say I was taking them to Court. When they sent their letter 'thanks for asking for chgs refund but sorry no can do' I just started my moneyclaim on line. I am a bit cynical as I worked in Banking for 20 yrs, not since 1999 though. I know a bit about their tactics and how they conduct themselves and I'm afraid they are dogmatic so there's no room to be beating around the bush. I see it like if you wanted to get your money back in a shop for faulty goods. You go with the drive of getting your money back. Get that feeling, taking one stage at a time.


All the very best to you

Determind

[ohoh4312]

Hey determindator

Thanks for the support!

I didn't write specifically to tell them I was taking them to court, just made it clear in my last letter - rejecting their pony and trap GoGW offer - that if they didn't pay up by tomorrow (cat in hell's chance of that!) then "I would commence Court proceedings without further warning."

So bring it on! (omg I am soooooooo scared - seriously)

Jo xx

[ohoh4312]

Having a dumb blonde moment - nothing new there then!

As this is a Joint account I am claiming for, can I be the sole claimant or does it have to be in both names on the N1 with 2 signatures?

Looked through loads of threads but couldn't find the answer, so sorry if it has been covered before.

Thanks

Jo xx