gedithejedi vs abbey

[gedithejedi]

Well, I've finally taken the plunge after reading through numerous threads on this forum.

I sent my Request for repayment of charges letter off this morning by recorded delivery so fingers crossed!!

I'm claiming a total of £70 (which is tiny in comparison with most folk on here), and this was for going £1.50 over my overdraft limit. No wonder the banks make such huge profits!

I live in Scotland, so will be following a slightly different path than most, so I'll probably be asking tons of questions when things start to get a bit more interesting!

Once I've sorted things out with Abbey, I'll be moving onto Mrs gedithejedi's bank charges.

[philread1]

Hello gedi

It may not seem a lot to the banks, and really it is'nt, but the principle that the bank have charged you £70 when what you have done has merely cost them a couple of quid beggers belief!!!!

I'll never let it happen to me again, and to know that this government and banking ombudsman let it be rife, right through the finance sector, is nothing short of despicable! Your £70 has just gone straight into a fat cats pocket!

Good Luck to you!
Phil

PS Sorry, but I had to let that out, the more I read, the more it all infuriates me!

[gedithejedi]

Hi Guys

I wonder if you can give me some advice (I originally posted on the Abbey thread before I noticed the Scottish one).

I sent my Request for Repayment back on the 8th of August, via recorded delivery, to the head office in London. Since then I've heard absolutely nothing, and am due to send out my LBA in the next day or so.

Should I go ahead with sending the LBA without any correspondence from Abbey?

Thanks

[philread1]

Hello gedi

Did you send it recorded delivery? Maybe try phoning them up, at the address you sent the Request for payment to, to see if they have received it.

Either way, I would carry on regardless and get the LBA off to them on Wednesday. Your dates are exactly the same as mine!

One last thing before you do, just check your account to see if they have quietly put £70 in your account without telling you. They've been giving out part refunds to a few people of late without telling them what they are for!

Phil

[Jlchilton]

I am sorry to be an absoluite idiot but i thought i would reply to the latest thred. How do I post a message on this site. I thought i was pc literate but obviously not! Thankls

[philread1]

Hello Jlchilton

At the top of the forum of which you want to post, there is a 'button' link at the top of the forum called "New Thread". Click on this and this allows you to set up your own thread, that will be posted and allows people to reply.

Phil

[gedithejedi]

Hi Phil

Yes I sent it recorded delivery which was delivered to Abbey on 10/08/06 according to the Royal Mail website.

I've just checked my bank account and unfortunately there hasn't been a sneaky refund!!

Oh well, I'll send off my LBA letter in the next day or so

Thanks

[gedithejedi]

Well I sent my LBA to Abbey's head office in London today via recorded delivery. I've still had no correspondence from Abbey!

I've started reading up on my next step and have a question about filling in form 1a. What name and address should I put for the defender? Do I just put Abbey's head office in London?

Thanks

[gedithejedi]

Well, I was due to start legal proceedings but have just noticed that Abbey have refunded the full £70 into my account (as Miscellaneous fee refunds)!!

I wasn't claiming any interest as the original penalties were only incurred in the last couple of months. I'm not sure if I'll get a letter from them explaining their reasoning!

At least I won't have to go through filling in those legal forms!