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Hi all over here!
I have a claim going through with Lloyds (just had a stay ordered) but have started things with Abbey now!
Question 1.
Just looking through charges and not sure if I can claim back
'cleared transaction chg' ?
In 2002 I was charged this 9 X £15 = £135 on one day!!! plus unauth d/d fee X £15 Total for one day £150!!!
Thank you
Night Owl
Yes you can claim cleared transactions and unauth o/d fees, basically any charge whatsoever they have charged you (apart from stopping cheque charges i beleive) you can claim back.
Thanks peeps,
Loving the welcome
I feel at home already.
Got so used to thinking about Lloyds stuff there are a few differences with Abbey but I will get used to them.
Abbey have missed out on sending me the middle 2 years of my statements but I'm on the case. When I get more printer ink!!
Night Owl.
Hi folks,
got everything now and calculated charges on CAG spreadsheet.
Total comes to £6500 ish!!
Prelim. letter going recorded post today.
Watch out Abbey here I come and I'm taking no prisoners!!!
Printer working overtime with Lloyds claim so stocking up on ink!
Housework gone to pot now I have 2 claims on the go!
Kids? Husband? old enough to cater for themselves!!!!
Hi and Welcome Nightowl, dont mind Icy he is our resident Stalker lol any questions or queries, we are all very friendly on here, wierd, but friendly lol
Lula
Lula v Abbey - Settled Lula v Abbey (2) - Settled Lula v Abbey (3) - Stayed
Thanks Lula,
I have a stay on my Lloyds claim at the mo so wasting time sending mediation and nudge letters knowing full well I won't get a reply but it looks good in court to do it!! Goes back to the Judge 31st Aug.
Abbey new territory! Few things different but will get the hang of it.
Feeling at home already here!
Got paper work ready to send N1 to Local court just run out of funds for it this month! Will have to wait till the end of the month.
N1, POC + SOC with Int at 8% done and ready. Total claim with court fee just over £8K!!!
Should I worry that I can't get the claim in till the end of the month or should I raid my piggy bank?
Night Owl
Thats a tough question! The sooner the better is generally the advice, but not if it leaves you strapped financially, as it is going to be a while before anything happens. £250 is a lot to find - it choked me to be honest!
There are no implications in submitting after the deadline you have set, so I would say go with whatever you feel most comfortable with.
Also we may have a clearer picture regarding the whole Test Case scenario in the next few weeks - here's hoping anyway!
The only note of caution with delaying would be if any of the earliest charges then fall outside the 6 year limit, unless you are claiming more than this anyway under SoLA.
But on the plus side the interest will be stacking up nicely.
Thanks Jo,
only claiming for the last 6 years of charges + Int at 8% + court costs.
Desperate to keep the pressure on with time limits but really struggling to find the funds this month. Lloyds claims stayed till the end of the month (put on before the test case) so am juggling with 2 claims at the mo!!
I will have to put the N1 through the court as soon as funds come in at the end of the month.
Night Owl
SAR 23/06/07 received statements paid £10
11/07/07 cheque returned because I put the wrong date on!!! Ooops
23/07/07 Authorisation to take the £10 from my acc. returned.
Prelim 14/07/07 lba 23/07/07
N1 printed out and ready to take to court when I can find my piggy bank!
This morning received letter acknowledging receipt of £10 and sending me bank charges list!!! with letter about test case and and stays.
I shall just carry on with N1 in the next 2 weeks as planned and ignore anything else.
Night Owl
Keep up the fight against Bank Charges
and sign this petition.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Hi all,
fluffing up the feathers for the long fight ahead!!!
N1 being posted to local court today.
Watch this space!!!
Night Owl
Keep up the fight against Bank Charges
and sign this petition.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Hi all,
update on things.
Just received letter from the court.
N1 issued to the defendent - deemed served 12/09/07, they have until 26/09/07 to reply.
I'm so scared now that Abbey may bounce the court cheque in favour of their loan payment!!!! It's gone through but by tomorrow they could claim it back. Finances non existant and struggling now. :o
Night Owl
Keep up the fight against Bank Charges
and sign this petition.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Hi all,
update.
Just received letter from court. Abbey have acknowledged one day after being served with my claim!!!!
They must have a big team sorting things out to respond that quick.
It is a hand written acknowledgement, name in position or office held - administrative assistant!
They intend to defend all of the claim.
Night Owl
Keep up the fight against Bank Charges
and sign this petition.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Night Owl -v- Abbey
(just had a stay ordered) but have started things with Abbey
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