Abbey accounts ** WON **

morsy · 9th March 2006, 14:30

I have been with Abbey for many years and the charges and service keeps getting worse. I have complained many times but they just refuse to do any thing. So I have had enough I have moved my account.

I have printed and sent off the letter (Recorded post) to get details under Data protection act - Will let you know how things go.

I was wondering if you can do this for other accounts - I have a mortgage with Abbey the charges that they apply to this account?

If I change the mortgage to another product still with Abbey there is a charge (i.e. £75). If I move it there is another charge. If I pay off the whole mortgage there are even more charges. If I pay late there is a charges etc

comanche · 9th March 2006, 14:35

You can go after mortgage charges if they are a penalty for late payment etc. I am doing this with an old mortgage (see the Southen Pacific thread in Other Institutions). I think the jury is still out on early redemption charges and, on balance, I've decided that that might be pushing my luck. You can, however, make a case for this but I don't want to be the first to make it!!

morsy · 2nd May 2006, 11:24

I sent off my Data Protection Act request to abbey recorded post got a reply saying it is not a DPA request issue and would be dealt with as general request. I have not heared any more so wrote to then to chase up my statements (last 6 years). Reply received today to say they are on microfiche and therefore not covered by the DPA. They have sent me some screen prints which do not make much sence to me what so ever.

Their letter says they will send the statements from microfiche as soon as its retreived from there archive.

But how long can that take?

jonni2bad · 2nd May 2006, 11:58

They can only take 40 days, and they are stalling you.

Write a complaint to the Information Commissioner's Office (also read this) to get them involved.

morsy · 5th May 2006, 16:37

I have sent a final demand for Data Protection Act information (template form this site - about info on Microfiche).

I have also downlaoded and completed complaint form from the data commisioners web site, which will go in the post next week.

If I don't receive the info soon how can I proceed with claim?

eyeballto · 5th May 2006, 22:26

hi, im stuck in the same positon as you at the moment so watching thread with interest

alanfromderby · 5th May 2006, 22:58

Quote:

Originally Posted by morsy

Their letter says they will send the statements from microfiche as soon as its retreived from there archive.

But how long can that take?

However long they want if they are treating it as a general enquiry. See sticky at top of Abbey forum.

Spiceskull · 9th May 2006, 19:16

Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks

morsy · 18th May 2006, 17:48

Well I have still not had anything from Abbey.

I sent my Data Protection Act request at the end of March 2006 [recoded post] asking for 6 years worth of data. Got reply as per my posting on 2nd May.

I have sent Abbey - the microfiche argument (sticky at top of Abbey forum) letter template, again recorded post, again no reply from Abbey.

I have completed a complaint to the Information Commissioner's Office to get them involved [sent recorded], again not had a reply as yet from them.

Help!!! what to do now? I think this could be a big ish claim

[also claming against 2 credit card companies - claim form sent to court next week]

StoneLaughter · 18th May 2006, 17:55

Send your complaint to the Information Commissioner. Also you could send them a "Letter before action" stating that unless they supply the information asked for you will take them to court to get it. I believe there may be a template for this somewhere?

StoneLaughter · 18th May 2006, 17:57

By the way - re: your mortgage, it's sometimes possible to negotiate with the company you're moving TO, to pay any fees the Abbey charge you... they want your business so they usually don't mind helping out the process a little bit.

morsy · 23rd May 2006, 01:02

Well I've given abbey time to comply... How long should the Information Commissioner take to get back to me? It’s been 2/3 weeks since I logged my complaint with the Information Commissioner.

What action can I take through the court to get abbey to comply? Is there a template for that? I have had a look and could not find one.

alanfromderby · 23rd May 2006, 01:03

Bank Template Library (Data Protection Act Non-Compliance)

morsy · 23rd May 2006, 01:14

Thanks ... I have sent a letter a long the lines of template no 3.

Where can I find the wording to use on the court forms?

alanfromderby · 23rd May 2006, 01:22

err. see above!!!!!!!

morsy · 24th May 2006, 15:15

Ok sorry for being a blank. I found it in a separate thread / sticky!

Can I combine the Data Protection Act with a claim for repayment onto one N1 form?

I have 3/6 years worth and have calculated that the year’s data I have is worth around £2,500 plus £600 interest so just over £3,000.

I propose to claim for this plus compensation (£100) for non Data Protection Act compliance on the one N1 form. Then when I get the missing Data under the DPA I will start a new second claim for that amount.

Does that sound practical / do able?

alanfromderby · 24th May 2006, 16:47

Quote:

Originally Posted by morsy

Can I combine the Data Protection Act with a claim for repayment onto one N1 form?

I propose to claim for this plus compensation (£100) for non Data Protection Act compliance on the one N1 form. Then when I get the missing Data under the DPA I will start a new second claim for that amount.

Does that sound practical / do able?

I really would treat them separately, otherwise the claim is going to be extremely complex. I would question the "compensation" figure - you would need to be able to provide evidence of actual loss.

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