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.
Having studied the various Bank Action Group forums for a week or so, I have been given the confidence (to know what I'm going to be talking about) and now pursue my bank for MY money back !! Just phoned Abbey to get them to send me my statements for the last 6 years and they are (alledgedly) going to send them without cost !!!
A big thankyou to everyone who has entered info/stories on these forums, you have given me the confidence to try and reclaim what is MINE.
Goodluck to everyone. Up the B.A.G brotherhood !!!!
Just a quick note for you disgruntled Shabby National customers, if you want a bit of a laugh.
If you get chance, go on to www.aboutabbey.com, click on OUR POLICIES then go to HOW WE DO BUSINESS and have a read of Lord Burns' (Shabby Chairman) 'HOW WE DO BUSINESS,A STATEMENT OF ETHICAL PRINCIPALS' Brilliant comedy, I thought.
Goodluck to everyone. Up the B.A.G brotherhood !!!!
There are lots of sisters here too, you know.
We are just The Bank Action Group
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Hi,
The story so far,
I sent the DPA request, taken from the templates, to Abbey (recorded delivery) on 23rd October, I have just received the following letter from Abbey.
'Thankyou for you letter dated 23rd October 2006, which we received on 27th October 2006 requesting information on your bank account.
although arrangements have been made to send you the last fourteen months of transactions in the form of duplicate statements, most transactional information between 2000 and 2005 has been archived onto microfiche and is not available on our computer system. Please note that there is a fee of £10 for the provision of this information, and we are unable to deal with your request until the fee has been received'
They then went on to inform me that they keep no records of any manual intervention. They also enclosed an Authorisation Form for the £10 charge, even though my original DPA request letter gave them permission to deduct £10 from my account for this purpose.
Does this 'microfiche' story mean that I won't receive statements between 2000 and 2005 ? and does the 40 days keep running from the date of my original DPA request letter,or when they alledgedly received it or from when Abbey deduct £10 from my account.
This is a standard delaying tactic, and it is why we advise that you should send the payment with the DPA request letter. Unfortunately the regulations state that the 40 days starts from the day the application, and the payment, are received.
I would advise you send the form back by recorded delivery.
The Information Commissioner has ruled that their microfiche system is covered by the DPA, so they must provide the full six years within the 40 days - although, you will probably get the last 14 months come through earlier.
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
It's just a blatant lie !! My wife used to work for Abbey and say's they're talking cobblers.
Why o why can't something be done about this lying, is it not a criminal offence to gain money dishonestly?
Just a small point you can get back all of your data, ie more than six years assuming that the data is on a relevant filing system.
Phatram, something has been done, the ICO has said they're system is relevant.
If the Abbey send out fiche letters to anyone after the decision by the ICO then the individual who received it should complain to the ICO and send them a copy.
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Thanks everyone,
I've just posted the authorisation form for £10 to be deducted from my account.
I also pointed out that their microfiche system IS covered by the Data Protection Act and so have 40 days from Monday 20th Nov to comply with my request.
Thanks again for you help !!!
I have received 6 years worth of statements yesterday from Abbey. However, I am struggling to work out, how to calculate the interest. Can anyone give me any assistance or any simple solution/formula how to do it.
I have had a look at the spreadsheets re.interest calcs but I'm still struggling !!!
Any help would be appreciated...... Thanks
Hi, dont worry when i first looked at the spreadsheets i didn't have a clue either but it is actually fairly easy. if you just input your charges in the penalty charged column the interest works itself out automatically. if you need to add any refunds to your schedule just use a minus in front and it will calcualte it automatically for you. have a little play and you'll see what i mean.
I sent Abbey the letter requesting my charges refunding (totalling just over £2000 inc interest) and giving them 14 days in which to "respond positively". I have just recieved their reply saying they believe the charges to be fair and if our relationship continued to deteriorate they would consider closing my account.
Am I to assume this is their way of trying to frighten me to go away ??? I believe my next step is, once the 1st 14 day deadline is up, to send them the lba giving them a further 14 days to reconsider before I start court procedings ? Is this correct ?
I believe my next step is, once the 1st 14 day deadline is up, to send them the lba giving them a further 14 days to reconsider before I start court procedings ? Is this correct ?
The story so far:
Statements received
16th December: Request to refund charges sent
19th December: Reply from Abbey stating that the charges are valid are not 'unfair' and will stand and if they feel the 'customer relationship has broken down completely' they may close the account.
5th January: 'letter before action' sent to Abbey giving them 14 (more) days to reconsider before I take further action without any more notice....(Am I correct in thinking this LBA is very similar to the request for charges refunding letter ??)
8th January: Letter from Abbey saying they are sorry I didnt receive their letter (above 19th Dec) but here's another copy (exactly the same as they already sent).
Is my next step to do nothing until the 2nd 14 days expires then start the court proceedings ?? I think I'm understanding the correct procedure but just want to make sure.
Paul
Yes stick to your timetable. The banks try to put you out of step by timing their responses in this way.
It's part of their attempts to intimidate you into giving up your claim or settling for a lower figure.
Just stick to the correct procedures and you will get your money back.
Good luck.
Regards, Rooster.
If this has been useful to you, please click on the scales at bottom left of post. Thanks.
Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.
Hi,
I'm just completing my N1 Claim form and appreciate some advice please !
It all seems pretty straight forward but just wanting to check that the Defendants address I put (Abbey) is the same address as i've been sending all previous correspondence to (ie my main branch)..or is it their national headquarters that I should list as their address ?
Thanks
Paul
Let the games begin !!!!!!
to get them to send me my statements for the last 6 years
Reply With Quote
Re: Struggling with interest Calculation
