Scared at the thought of taking action!!!

[lash68com]

Hi,
I want to challenge "ABBEY" about the very steep penalties they have charged me with(especially this month 400 odd pounds).
I desperatly phoned ABBEY to ask for help, as suggested in the scarey letter they sent me, only to be told that I could pay £152 a month till I've paid up, but in the mean time I'm not allowed to use my debit card or cheque book. I dont usually beg(but I could'nt help myself). I told the unkindly lady at the debt management department she was'nt helping me get out of debt, but instead making me get more in DEBT(I shouted a bit there). I said I would think about her offer, and put the phone down. I have a hubby and 3 kids to think of.
After a few days worrying and s t r e s s i n g about more unpaid DD, I learnt about this website. I felt hope after reading some of the quotes and threads. I'm still scared of starting action, but I WILL take action and stand up for what is right.
ENOUGH IS ENOUGH~~~~WATCH OUT ABBEY HERE I COME!!!

[bram stoker]

Don't be scared or nervous. We're all here to support you.

I suggest that first of all you send your Data Protection Act letter and open a parachute account while you wait for the details to arrive. Then go and claim those charges!!!!!

Have a good read around, FAQ's, Libraries, etc.

Go for it. Good luck.
Vamp.

[louis wu]

Hi Lash.

Good luck with tackling Abbey. You have probably done this, but spend a while reading all the FAQ's and other peoples posts, you will be amazed at what you can find out.

I have been in your position lots of times, and aside from getting all your charges back with the help of this site, it would definately be in your interest to CANCEL all DD's, SO's and other automatic payment devices. Talk to individual companies and pay them what you can when you can. Dont give the Abbey any chance to take more of YOUR money off you.

Sorry if I am teaching you to suck eggs, just hate hearing about people in positions I've experienced.

Good luck with everything

[lash68com]

Thanks Louis wu.
Cancelling my DD's is a very good idea. I will do that this afternoon. I didnt think of doing , too busy worrying.

[rbrears]

We are all here to help Lash

Keep us posted

[dave]

Not to put too finer point on it; Abbey are one of the pussycats of the bunch.

I predict this chain of events:

Send Data Protection Act request letter
[Abbey most likely take the 10 quid cash and ignore you]
You phone and shout a lot, write some more and eventually get the list of charges.
Send letter 1
[refusal, it's in your t&c's etc...]
Send letter 2
[refusal, it's in your t&c's etc...]
Start legal proceedings
[Abbey Acknowledge]
---[Abbey may pay up here]
[Letter sent from DLA asking for breakdown of figure]
You write back stating that their client has the info already and for DLA to ask them.
[Abbey pay up at this point, or default]
If they default, then they will get the judgement overturned (maybe, it's becoming the "Abbey Habit", so the judge may well tell them where to go at last).
Then they pay up.



Notice the bit about Abbey paying up

[Tina&Gaz]

''If they default, then they will get the judgement overturned'',

what's this bit mean please?

[solidstan1]

If they default means" Not turn up in court" SO YOU WIN..

[Tina&Gaz]

oh ok thanks, how thick am I lmao!

[whizzkid001]

I concur with Dave's post - apart from the fact I DID have that judge

[joneshousehold]

Hi Lash and welcome on board. You know your story sounds quite similar to so many on this site. Don't be afraid or worry, you are now officially back in control. Let me tell you Abbey don't like it so they will make you work for it. Dave is a man of great Abbey experience (he has been a fantastic help to us) and his predictions mirror exactly what has happened to us.

So go for it and enjoy the ride!