Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Sent 1st letter from both of us to Abbey on 14/6 with £10 cheques, received letter re microfiche stuff etc and saying 40 day not applicable to archived stuff - and they banked the cheques for it. Then received a years worth of statements for both of us - all in seperate envelopes with mailshots (my poor postman!!) - estimated 2 grand between us without interest. God only knows how much will beon the other 5 years when we eventually receive them!! Do we wait for the microfiche statements or do we proceed with the next letter after 40 days, any advice will be greatly received!! Fantastic site..
Sorry for posting on your thread with questions not answers but i'm about to send my first letter and was wondering if they have said if they are going to charge you for the statements? My partner had a few tax man issues recently and had to prove he was not self employed by sending bank statements to them and when asking Abbey for some statements he was charged £5 each!
Send the 1st letter in the library (data protection Act !!! - Subject accesss request) and enclose a £10 cheque like it says - we both did and they sent us a years worth of statements each and said they will use the £10 to get the rest of the statements off microfiche. I think its the way the letter is worded that does the trick. I think if you were to just ask them they would try and charge you. Hope this helps...
Hiya could you both start a personnel thread for your cases under the designated bank section.
Once you have made your thread post all relevant activity under that one thread, this way we can view your contact and help as needed.
welcome to the crazy world of bank wars and have a break in teh Bear garden when you are settled in.
BL
Sorry to be a pain, but what do you mean by designated bank section - will get Wayne to log in himsef and start new thread but not sure where - only just got pc and found out how to switch on. ha ha.
Has anyone had any problems opening another account. I sent my first letter to Abbey and in the process of waiting for statemnts. I took advice and decided to open another account. Popped into HSBC with passport and Council tax bill as proof of address. The lady questioned me quite a bit as to why I wanted to open another account (didn't tell her I was sueing Abbey) just said my present bank had higher charges etc etc, she then said she would need to see a bank statement with my present bank to look at the state of my account. Only then would they decide to let me open an account. Can anyone suggest an easy way of opening a parachute account with a bank other than Shabbey?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Yes - both of us do but reluctant to let new bank look at statement with Abbey as I have a £1000.00 overdraft which I am just inside and a few charges on last statement (not worked since I had my little girl - was full time with regular income before that). Are there any banks out there that will just let me open an account with relevant i.d?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Quite easy to open a basic cash account with most banks, and a number online. What you have to ask yourself is do I realy want an account with this bank. HSBC as far as I can tell are no better than the bank you are with, so it realy does not matter what bank you open a new account with they will all try to rip you off the same, price fixing surely not.
Just opened a new account with Nationwide and sent last months bank statement from Abbey, not good reading but nationwide still let us open a cash account, must have been rubbing their grubby hands together when they see our £2000.00 overdraft and charges.
Just bare in mind whatever bank account you open they want to profit from it.
my name is john milne and like yourself i am taking Abbey to court for bank charges .i have paid abbey£5000 in charges and two overdrafts £2,200 .ihave remortgage twice infive years. my bank charges for this month is £500.thank you for listing john milne
my name is john milne and like yourself i am taking Abbey to court for bank charges .i have paid abbey£5000 in charges and two overdrafts £2,200 .ihave remortgage twice infive years. my bank charges for this month is £500.thank you for listing john milne
John welcome to the site.
Take some time to read up on the claims process.
There are many Abbey cases here so you should find out all you need
Start your own thread too so others can follow your progress.
Martin
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We are in the process of trying to get back £11,000 bank charges from the Abbey plus interest. We have received our statements and have written to them asking for the money back cannot wait to get their reply!! Keep in touch and will watch your thread to see how things are going for you. Its all of us against the Abbey!! We have opened a basic account with Nationwide just in case Abbey decide to be stroppy as we have an £800 overdraft and if they decide to take this we will be in a difficult situation.
Catherine this a very large amount and if you want it in the small claims will have to be split up (5k the max per claim) excluding interest.
How far down the road are you?
Maybe you should get some advice from a mod as there are complications with the big claims and you may need additional advice.........
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Sent recorded letter to Abby today - 13/07 telling them they are not complying with data protection etc and I want the rest of the statements, and they only have 14 days remaining - and made appointment with Halifax to open an account (parachute account) tomorrow. According to their leaflet they do credit checks - Hope mine is ok!! Not going to drop this now. Going all the way - scary though !!
40 days were up last Monday - sent preliminary letter today (recorded) with schedule of bank charges. Have estimated as not received microfiche statements yet - £2986.58. Fingers crossed things hotting up now - Husband and I going to read up on next steps as 14 days is not long...
Dont forget you can always add to your schedule if you get the figures.
Which might be at the lba stage.
Did you add a line in your prelim about not getting the statements ?
Always come in handy later since you can show that you made repeated requests to them for this.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
oh my god - something very strange going on. Sent lba today just looked at my account online and I have had £460 of refunded charges put back into my account. What does this mean? I am asking for nearly 3k and have received all their standard letters about it being investigated .
Jo add up your interest being claimed and also the fee
If that equates to the figure you have been given.......then its possible they are doing a Halifax..............payi ng interest and court fee.....followed by main charges a day or 2 later..........if not then its a mystery ????
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Us versus Abbey
on 14/6 with £10 cheques, received letter re microfiche stuff etc and saying 40 day not applicable to archived stuff - and they banked the cheques for it. Then received a years worth of statements for both of us - all in seperate envelopes with mailshots (my poor postman!!) - estimated 2 grand between us without interest
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and have a break in teh Bear garden when you are settled in.
Re: Joanne versus Abbey
Originally Posted by john milne
