Johnd3 vs Abbey

[johnd3]

I thought I'd better start a thread in the Abbey forum as things seem to be moving forward. I started following the advice in Moneysaving.com and just recently found this site. I've already had my list of charges etc from Abbey and sent in a request for a refund. Had a letter at 4 wks and another at 8 wks. So this week I sent them the court warning letter by recorded delivery. Today I had a reply from them offering £170 as a goodwill gesture and disclaiming any wrongdoing on their part. I am now resolved to go the distance with them and will be sending in my court papers on the 14th day (Monday 25th June). Like most people I am finding this a bit daunting but am hugely comforted by the wealth of support I'm finding here.
I expect I will be seeking help and support in the coming weeks as I go into battle. I'm currently waiting for Patricia Pearl's book to arrive as I am totally ignorant about the procedures involved. Will keep you all posted.

[andypal]

John! Please avoid ignorance whilst dealing with this process. Please try and read as mush of these threads as possible and if u come across any thing u don't understand ask the forum. You will get help, I have never seen a bunch of people who are sooooo helpful.

Andy

[johnd3]

Thanks Andypal for your reply.

A further development today is that Abbey have put two mounts into my account. One for £20 and one for £30 both called miscellaneous fee refunds. Their letter today stated a GOGW for £170. What should I do about both the money in my a/c and the letter. Do I have to write and reject them both?

[clarion48]

Yes, I would write and reject john. There are some template rejection letters in the bank template library - have a look there.

All the best

[Simon7685]

Hi John

Have found your thread and you need to confirm this with others but my understanding is you can advise them you accept the money as partial payment against the amount of your claim and you will continue your action through the court if necessary to obtain judgement for the balance owed. I have also been told you should do this marked "without prejudice".
Just another idea for you but do ask for other opinions.
Simon

[Russjo]

Hiya,
I know that there are also letters asking them to remove the amounts from your account, so have a read around

[CheZZyBaby]

Im having difficulty, how do I start a new thread for myself

[Russjo]

Go to the main Abbey page and click on New Thread. Put in your title and off you go

[johnd3]

Abbey has just sent a reply to my LBA, they want another four weeks to investigate. I'm just going ahead with my timetable now. Every letter I get says they need another 4 weeks. It is just blatant time wasting.

John

[Russjo]

Good for you
Jo

[CheZZyBaby]

just got your reply, I wouldnt wait for the four week I would just go head with either the a court case or the financial ombusman

[johnd3]

I submitted my N1 yesterday so now comes the hard part. Given ShAbbey's track record I might as well start assembling my court bundle.

John

[Robdblynd]

Doubt if you'll need it John. Save yourself some costs, start a new folder on your computer and put everything you need in there, start with the basic court bundle from the libabry and add all the other bits you'll need.

Then, if Abbey do hang things out till you need a bundle, it's simple to print everything off cos it's all in one place.

Don't start printing yet, you may not need to and you'll have wasted paper and ink.

Abbey will hang out till the very last minute but they almost always settle just before the court date.

[johnd3]

Good thinking batman I'll do that. Looking at all the various actions in progress there doesn't seem to be any standard response from Abbey. The way I'm looking at it the longer they mess around the more they have to pay.

John

[johnd3]

I need some advice Gary please.

Two days ago I received Abbeys defence after they had sent an acknowledgement of receipt. They also offered a settlement of 65%. Today I hear about the OFT test case in the high court and I don't know what to do for the best. Abbeys Ack. of receipt runs out on the 30th July but I read in the report on the test case that the OFT are allowing the banks to waive any claims until after the test case result. Is it worth trying to get the 65% they've offered or is it better to press ahead with the case in the court.Any advice will be gratefully received.

Johnd3