deedee1310 v Abbey

[deedee1310]

Dear All.

I am new to the forum and am about to proceed with reclaiming my charges from Abbey. I skipped the Subject Access Request part as I have all my statements.

I had two accounts with Abbey National and I'm claiming charges on both.
Do I have to put the claims in separately for each account or should I claim for both accounts together?

Also can anyone confirm the address for which I need to send my preliminary letter? I have found this by searching various threads:

Antony Turbitt
Manager
Banking Services
Customer Servces (Banking)
PO Box 297
Bradford
BD1 1BR

0161 951 6500 or 08459 724 724
Fax: 08459 670 671

Are the above details correct?

Your help with this would be greatly appreciated. I look foward to hearing from you all shortly.

[andypal]

Originally Posted by deedee1310

Do I have to put the claims in separately for each account or should I claim for both accounts together?

Also can anyone confirm the address for which I need to send my preliminary letter? .

From What I have seen in this forum, I would suggest that you deal with them separately preferably one at at time. You can send your preliminary letter to
ABBEY
Complaints
P.O Box 5129
Milton Keynes
MK9 2YN


Andy

'Don't get angry, get even'

[Simon7685]

Originally Posted by deedee1310

Dear All.

I am new to the forum and am about to proceed with reclaiming my charges from Abbey. I skipped the S.A.R - (Subject Access Request) part as I have all my statements.

I had two accounts with Abbey National and I'm claiming charges on both.
Do I have to put the claims in separately for each account or should I claim for both accounts together?

Also can anyone confirm the address for which I need to send my preliminary letter? I have found this by searching various threads:

Antony Turbitt
Manager
Banking Services
Customer Servces (Banking)
PO Box 297
Bradford
BD1 1BR

0161 951 6500 or 08459 724 724
Fax: 08459 670 671

Are the above details correct?

Your help with this would be greatly appreciated. I look foward to hearing from you all shortly.

Hi

You need to send to:
Abbey
PO Box 382
Prescot Street
Lomdon
E1 8RP

I have been through this and am now waiting for a court date, let me know if I can offer you any help or advice on anything and GOOD LUCK

Simon

[dar£n]

Preliminary and Letter Before Action

Antony Turbitt
Manager
Banking Services
Customer Servces (Banking)
PO Box 297
Bradford
BD1 1BR

0161 951 6500 or 08459 724 724
Fax: 08459 670 671

Also

Pam Speed
Business Manager
Banking Services
Abbey
PO Box 1109
Bradford
BD1 5ZJ

Tel:- 08459 724 724

Fax:- 01274 369178

[deedee1310]

HELP!!!

Have just finished the painful process of going through my Abbey statements and lisiting all the charges. I have printed my prelim. letter and charges spreadsheet, put it in the envelope and sealed it.

Then it occured to me - as both accounts are closed, can I not go back 6 years from when it was closed??? For example one account closed in 2005, can I not claim back to 1999? The other closed in 2002, can I go back to 1996 (in fact to 1999 when account was opened)?

PLEASE HELP. For the second account it actually makes a BIG difference to the amount I'm claiming back.

Your answers as always will be greatly appreciated!!

[TANZARELLI]

Hi deedee1310,

You can go back as far as you like however if you go back further than 6 years be prepared for a fight. You will need to read up on this process and understand the arguements around limitation etc.

For starters have a read through these threads if you haven't already:

Claiming beyond 6 yrs - important new information!!!

http://www.consumeractiongroup.co.uk...-interest.html

Do you have charges going back more than 6 years?

I will help out whenever I can. However I am not on here as much as I used to be.

Tanz

[brownie24]

Hi deedee

I don't think it makes any difference if the accounts are/when they were closed, but like Tanz said make sure you do your research and prepare all your arguments so you are ready for whatever they throw at you

I have not tried claiming over 6 years yet but am in the process of getting hold of some old NatWest statements so will be beginning on this journey soon.

Good luck and I will help you out whenever I can.

Brownie24

[deedee1310]

I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

The letter reads as follows:

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

· Abbey does not charge you to investigate your complaint
· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review
· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

Yours sincerely,

Andrew Nanson
Business Manager
Enc. Complaints Leaflets

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

Bring on round 2!!!

[ohoh4312]

Hiya dee

Hhttp://www.consumeractiongroup.c o.uk/forum/general/79524-key-arguments-against-compound.html

aw poo am no good at posting links!

Anyway, it basically says that yes you do have to add CI at the Prelim stage, but if you haven't and you decide you want to, then you can, providing you start the process all over again!

And also, you cannot then claim statutory interest on top.

Maybe that might help a smidgeon?

Jo xx

[deedee1310]

Thank you love. Not sure about not being able to claim the 8% bit though.

I have Mindzai's POC and he asked that unauthorised, authorised and statutory interest were considered by the court. However, Lloyds settled and he won the full amount with contractual interest. Mindzai & Lucid vs Lloyds TSB ***WON UNCONDITIONALLY WITH CONTRACTUAL INTEREST***

I have seen various POCs like this

However I will leave Abbey as it is. I have gone for CI with my Cr*p One and Halifax Claims. Just need to update my posts (and start the halifax one)

Thanks Jo for coming to join little ole me here. I seem to be in everyone else's threads except my own.

[Simon7685]

Hi dee

You are not alone, the CAG is with you! Complete your jedi paperwork and you will have the power to overthrow the Evil Darth Abbey.

Hope you've seen Star Wars dee, I haven't gone doolally honest! If I can help just shout but I know sod all about CI, sorry.

and remember dee, the CAG will be with you always!
Simon

PS No I'm not p****d either!

[deedee1310]

Thanks Simon.

Yes I have watched Star Wars (more times than I can remember)!

I have left my claim as it is. shAbbey have until after the post has come next Tuesday morning. If not my LBA will be winging it's way over to them on Wednesday morning.

deedee

[Simon7685]

Hi Deedee

That's the spirit. keep it up. Which is your favourite SW film? I just can't choose between Empire and Revenge of the Sith, Yoda is just sheer class.
Spk soon
Simon

[salesman]

Originally Posted by deedee1310

I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

The letter reads as follows:

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

· Abbey does not charge you to investigate your complaint
· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review
· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

Yours sincerely,

Andrew Nanson
Business Manager
Enc. Complaints Leaflets

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

Bring on round 2!!!

I too recieved this letter I replied as follows

Andrew Nanson
Business Manager
Banking Specialist Team
Abbey
PO Box 5885
Milton Keynes
MK10 1FA

** June 2007

Dear Andrew


I acknowledge your letter of ** June, 2007 in which you enclose a complaints leaflet. I do not feel it necessary to re-quote my letter dated ** May, 2007 as I am sure it will be on your records. I would however comment as follows;

1. You are the third department that I have dealt with and as yet I have not received the full information that I requested originally on the **April, 2007 a period of 54 days or seven weeks five days ago.

2. Your companies’ failure to adhere to the request under the Data Protection Act Disclosure Request is reportable to the Information Commissioner’s Office and makes you further liable to court action.

3. That I gave you seven days to disagree with the amount to be refunded in my letter dated ** May, 2007. This has not been disputed within the allocated time and therefore that you agree to the amount to be refunded. You state in your reply dated ** June, 2007 that “I do hope to find a solution that you are happy with”. This, of course, will be a settlement of the full sum stated in my letter ** May, 2007.

4. That within your own leaflet on complaints you state
“We promise to
send you our final response within eight weeks of your original complaint to us, or write to you explaining why we haven’t completed our investigations and when we will have done so.”
I refer you to point one within this letter and the time frame so far. This then leaves you until the ** June, 2007 to avoid an investigation by the Banking Codes Standard Board for failure to comply with the complaints procedures enacted under Parliament in December 2001, and further investigation by the Financial Ombudsman Services for this same failure, both of which I feel apply to this case and thus will be instigated, if necessary.

5. Further, I gave you fourteen days, from ** May, 2007 to refund these monies or face legal proceedings. This still stands and thus gives you until ** June, 2007 to comply.

Although I have not heard another thing!!!

[deedee1310]

They're ridiculous aren't they?

My preliminary letter deadline expires tomorrow. I have my LBA ready to send. I'm feeling quite ungenerous so will probably will send it tomorrow instead of on Wednesday.

They never accorded me any courtesy whilst I was with them. I paid off a £2000 overdraft, only for them to add charges to my account and default me - the bar stewards. They were swallowing up my Tax Credits money, wages and bouncing my DDs even if money was going into the account on the same day.

So pah - LBA goes off tomorrow.

When did you send your LBA?

deedee