Abbey National

**scotty2810** · 6th July 2006 15:07

i have just stumbled across your website. i myself have been charged by my bank although my charges are not as much as many others!! I have a few months back been charge £180.00 for going £35.00 over my agreed overdraft icon

. i went to my local Abbey icon

branch and was told they could not help me? when i phoned the abbey later the same day as i would be charged again for the charges taking me over my overdraft the following month they refunded the £50 but i still had to pay the £180. Being an ordinary person like many others i could not afford to loose this kind of money from my wages so i switched my account to my boyfriends. I now pay £30 a month into my account to clear my overdraft all though i am still being charged £20 unauthorised overdraft fees today i contacted the abbey as they are chasing me to clear the overdraft and was informed that they woudl put a CCJ against me, my argument is if they hadn't charged me so much i would still have my wages paid into my abbey account. so i have decided to read your forum and fight....

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**thewifeandI** · 6th July 2006 15:24

Well done - first thing is to write to them putting the balance on the account in dispute as it is mainly(?) due to unlawful bank charges. This will stop them putting taking action against you. Then follow the steps on this site to reclaim your charges back.

I don't think that they can directly threaten you with a CCJ when you are making regular payments (unless you have stopped without putting the balance in dispute) as far as I know.

The letter you need to write looks like this ('borrowed' from jonni2bad)

Re: Account in dispute

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing to clarify that I am currently in the process of requesting a complete list of charges imposed by you over the previous 6 years icon

and that I shall be requesting a refund of bank charges unlawfully made to my account.

I note from your latest correspondence that you have warned me of the chance of a CCJ on this account - I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved.

If you do not stop this default action and proceed by making any adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998.

For your information, my Subject access request icon

was made on [DATE] and you have until [DATE] to comply in full. From the partial information I have already received, the amount of charges form a substantial part of the disputed debt.

Yours faithfully,

NAME

**scotty2810** · 6th July 2006 15:29

Thank you i am gathering details on my account as we speak. What really upset me was i hadn't gone over my overdraft icon

in over 6 months but they still charge you. i know this is upsetting my boyfriend who supports me 100% in my fight.

**lticehurst016** · 6th July 2006 15:54

Hello I am a new member and seeking some advise on my horrors with my bank!!!

I have just found this forum as I am beside myself with worry as a lot of you seem to be:o Over the past three months I have had charges from the Abbey icon

of £600 then £514 and now this month £721 and these are monthly charges where does it stop and how on earth do you begin to get control back of your account???? Well I am just finding out you DONT!!!!

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