dibbler v Abbey *Settled* money returned to rightful owner

**cmotdibbler13** · 28th July 2006 00:22

Hi Everyone,

I'm so glad I found this site, all the other threads I have read make this journey I am about to take seem rather scarey.

Ah well, tomorrow I will be sending the first letter off to ask for all my statements (or all the charges), so in 40 days I should be posting back on here.

Wish me luck, see ya all soon.

Similar Threads:

**Karnevil** · 28th July 2006 07:25

Good luck dibbler, welcome to shAbbey

**cmotdibbler13** · 4th August 2006 17:26

Got my microfiche letter today, Pam Speed also mentions not being able to give me the 'manual interventions' info., is this correct. Ah well, at least I have a ref. number now.

**cmotdibbler13** · 7th August 2006 15:16

When I claim my money back, do I claim all of it or do I take the £12 off each time?

**Dessie** · 7th August 2006 15:25

Go for the lot! The £12 was only a suggestion from the Ombudsman icon

and as yet the banks have failed to acknowledge it as a fair charge. A couple of banks have now reduced their charges to £12 but are not applying it retrospectively.

**Glenn UK** · 7th August 2006 15:32

I thnk the 12 is in fact irrelevant, the OFt suggested this was the point that they would intervene automatically and did not necessarily reflect a legal charge.

Im not certain what would be lawful, but i suspect that the chagrges will not stay at 12 for long since pressure will continue to mount on the banks to show how they arrive at this figure.

since they have been unwilling so far to entertain any discussions about how they arrive at their charges then i think its got a way to go before anyone finalises what is actually legal and fair.

JMHO

glenn

**cmotdibbler13** · 8th August 2006 14:04

Righto I got all my statements today, almost £1000 in less than 2 1/2 years.

So the first real letter goes today, lets see what happens.

**cmotdibbler13** · 8th August 2006 17:30

One quick question, I have written a list of all charges and dates of charges, and also included the wording from the statements, do i include this in my prelim lletter or keep it for the lba icon

letter?

**Karnevil** · 8th August 2006 23:00

Yes you can send it with your Prelim letter too.

**cmotdibbler13** · 9th August 2006 22:22

I have just had a thought, the first letter I sent to Abbey icon

asking for statements was replied by Pam, after the statements arrived I sent the prelim letter off to Antony Turbitt
Manager
Banking Services
should I have sent the prelim letter to Pam as well?

**Karnevil** · 9th August 2006 22:26

Hi dibbler

No thats fine - statements are supposed to be a seperate issue than your refund claim. Pam is based at the microfiche dept (as far as I know) and Anthony is the customer banking services manager so you've done it completely right.

**cmotdibbler13** · 23rd August 2006 12:08

Got a letter back today from Abbey icon

complaints dept. signed by Mark Winder.

I am going to send the lba icon

letter today, but need to know wether I should edit out the first line of the letter saying I haven't received any correspondance from Abbey, or wether this means I didnt get a satisfactory response from them.

Any ideas please would be great.

**philread1** · 23rd August 2006 12:19

Hello dibbler

I've just sent my lba icon

this morning, and I queried the first line, and in the end just put "satisfactorily" in after "respond". I think that was the best way of putting it, its on its way now, anyway!!!!

"We are very disappointed that you have failed to respond satisfactorily to our letter of the ......."

Just put the date in of which you sent your prelim letter.

Phil

**cmotdibbler13** · 23rd August 2006 12:23

Thanks mate that is great and speedy advice.

**cmotdibbler13** · 23rd August 2006 12:34

Ok another question, in the lba icon

letter it mentions the interest icon

figure, how do I calculate it? Do I use the spreadsheet or do I just work out 8% of the total I want.

**philread1** · 23rd August 2006 17:05

Hello dibbler

I'm not sure, but I think it is refering to interest icon

that has been charged to your account due to these unlawful charges. The 8% interest on your charges does'nt come into play till you take them to court!

When preparing my claim, I thought it was getting too complicated & confusing to work out, ie. what part of the overdrawn interest was their entitlement and which part was mine due to their unlawful charges. So I did'nt bother with any of that, and am more than happy just to reclaim all the unlawful charges that they have taken from my account over the years!!!

Hope this helps
Phil

**cmotdibbler13** · 18th September 2006 11:04

great news everyone, before i contacted the courts, Abbey icon

have sent back 813 quid into my account. i dont know wether this is because they have so many claims now and have caved in?
anyone else had this good fortune, i will transcribe the letter soon.

**sbb1979** · 18th September 2006 15:33

Congratulations!! Lets hope they have caved......I'm on the moneyclaim stage with Cahoot (part of Abbey icon

) and am getting very bored of waiting!

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