Thread: Summary of charges not sure what to claim for

Hello all

I have just recived my summary of bank charges form abby
but I am not sure on what i can claim for I paid the Ten pounds fee Here is a list of charges

Total Cleard Transaction Charges = - 180.00 pounds
Total Unpaid direct debit Charges = -137.00 pounds
Unauthorised overdraft fee = - 60.00 pounds
Total Cleared Transaction Refunds 30.00 pounds

I dont know what to claim for I understand that I have to calc intrest but can any one advice me what charges above i can claim for

Thanks in advance

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Hi

You can claim all of those you have stated - except the refund of course!

I take it that you have just added them all up, and thats not what shabbey sent you? And is that 6 years worth?

If they haven't fully complied with the SAR, as thekat says above, this is a link to the necessary templates:

http://www.consumeractiongroup.co.uk...n-act-non.html

Hope that helps. xx

Thanks for your reply The charges above are what Abbey sent me the charges were just cpoied off the paper so all i need to do now is add the intrest up not sure if i can claim hardship because i am in rent areas too

Thanks for your help

You are right thekat, you should be provided with a detailed list of the date and type of each charge, in order to accurately calculate stat interest for each one.

So, definately send them the non-compliance letter asap - they bloody well know what they have to do, just being slippery shoddy shabbey as usual. (rant over) xx

Thank you guys you are right they just sent month not dates so trying to get the interest sorted will not be easy i will send a new letter soon and will keep you updated thanks gareth

He guys I have spoken to Abbey by telephone they advised me that They do not have the dates that would be on the statements and thats all the info the could provide me not sure what i can do now

Really???? Utter ballhooks!

I take it you sent the non-compliance letter?

Generally, shabbey apply charges at the end of the month - around the 28th (well, in my case and a few others I know of anyway) - so if you have the months you could work out the claim on that basis, but obviously it is not entirely accurate.

However as they are blatantly stringing you along, I feel an official compaint is in order.

In the immortal words "I'll be back".................... .............

OK, this is the best I can do for now, but it should help:

go to the ConsumerWiki at the top of the page, and type the following into the search box: Data Protection Act - Non-Compliance.

xx

Originally Posted by superg

He guys I have spoken to Abbey by telephone they advised me that They do not have the dates that would be on the statements and thats all the info the could provide me not sure what i can do now

If they have just given you the months rather than the exact dates, use the 15th/16th of each month to calculate s69 8% interest. The difference will only be pennies.

any further advice ?

guys do you think i should just send a letter asking for charges and no interest as i need to send something soon i need to put this account in dispute with DCA as i was paying six pounds too them but stopped paying now they said they will take me to court any ideas

still no idea anyone advice

Oh gosh - sorry you haven't had any replies.

So, is this right:

You have not sent the non-compliance letter?
The account has been passed to an external DCA?

The way I see it is that you need to write to shabbey - using the non-compliance template with an addition that they should not have passed your account to a DCA. This needs to be done straight away, with a copy to the DCA headed "Account in Dispute."

Sorry this is a bit short - got visitors coming in a mo, but I promise I will be back tomorrow with more help.

Best regards xx

Hi there Thanks for your reply i have not sent them any letters yet could you link me to a non-compliance letter as i cant seam to find one account have been to 2 DCA I did pay them a little money 5 pounds pm then stopped not sure if i should start again

Hi thanks for your advice I have looked at the letter looks good but i don't think I will be able to get interest and my situation is quite complex regarding hardship as my money has increased a bit now Do you guys think i should start paying these guys again I really don't know for the time being i just need to stop action against this account if they try Thanks