Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    itsamomentintime Informative itsamomentintime Informative itsamomentintime's Avatar

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    Default account access restricted, facilities removed

    the saga continues

    whilst bank charges had been refunded to the account and long since spent, it turns out that my overdrafticon facility, debit card and online access were all removed from me; this, despite the account being in credit.

    i wrote to:

    Complaints
    Abbeyicon
    PO Box 5129
    MK9 2YN

    for an explaination, and was told that this was due to 'activity' on the account. clearly this is no explaination at all so i have written again for clarification.

    will keep you updated.

    post office
    WON 12/11/06


    abbey
    LBA sent 30/10/06
    MCOL claim submitted 8/11/06
    allocation questionnaire sent 16/12/06
    schedule of charges sent 16/12/06
    WON

    2nd abbey claim SAR sent 3/1/07
    WON

    complaint letter sent 18/1/08

    alliance and leicester
    WON

  2. #2
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    Default Re: account access restricted, facilities removed

    was the account being used?


  3. #3
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    itsamomentintime Informative itsamomentintime Informative itsamomentintime's Avatar

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    Default Re: account access restricted, facilities removed

    Quote Originally Posted by yourbank View Post
    was the account being used?

    yes - i used the account to withdraw bank charge refunds however i no longer used it for day-to-day transactions


    when they say 'activity', i dont think they mean 'lack of activity'

    post office
    WON 12/11/06


    abbey
    LBA sent 30/10/06
    MCOL claim submitted 8/11/06
    allocation questionnaire sent 16/12/06
    schedule of charges sent 16/12/06
    WON

    2nd abbey claim SAR sent 3/1/07
    WON

    complaint letter sent 18/1/08

    alliance and leicester
    WON

  4. #4
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    Default Re: account access restricted, facilities removed

    was the account still overdrawn?


  5. #5
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    itsamomentintime Informative itsamomentintime Informative itsamomentintime's Avatar

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    Default Re: account access restricted, facilities removed

    Quote Originally Posted by yourbank View Post
    was the account still overdrawn?
    no i paid the overdrafticon back in full

    post office
    WON 12/11/06


    abbey
    LBA sent 30/10/06
    MCOL claim submitted 8/11/06
    allocation questionnaire sent 16/12/06
    schedule of charges sent 16/12/06
    WON

    2nd abbey claim SAR sent 3/1/07
    WON

    complaint letter sent 18/1/08

    alliance and leicester
    WON

  6. #6
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    itsamomentintime Informative itsamomentintime Informative itsamomentintime's Avatar

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    Default Re: account access restricted, facilities removed

    so they did mean lack of activity

    the accounts services were removed due to non-usage

    i have written to them to ask if the services can be reinstated

    post office
    WON 12/11/06


    abbey
    LBA sent 30/10/06
    MCOL claim submitted 8/11/06
    allocation questionnaire sent 16/12/06
    schedule of charges sent 16/12/06
    WON

    2nd abbey claim SAR sent 3/1/07
    WON

    complaint letter sent 18/1/08

    alliance and leicester
    WON

  7. #7
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    Default Re: account access restricted, facilities removed

    If you call them and you get someone helpful, they should be able to have this reinstated over the phone. I used to work for Abbeyicon and i could usually tell why accounts were suspended etc and tell people over the phone. I can't remember timescales etc, but if you haven't used your account for a while then to reactivate it you need to make 3 seperate deposits into the acc. 3 of a pound would do it over 3 days. That reactivates it. Most things can be done over the phone, but the company don't really want to help you. If your not getting anywhere with the person your talking to, hang up and call back you will probably get someone who gives a monkeys.



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE