Thread: Urgent advice needed, anyone experienced with Abbey

Hi there

I am in the process of taking further action against Abbey bank for charging me unfair overdraft charges and would like your advice as soon as possible. The reason being is that they are threatening to close my graduate account this week if I don’t pay the charges. Should I therefore comply with there ‘destruction of account slip’ and return it to them or should I refuse to close the account on grounds of illegal action just to annoy them. This is because I already have another account with HSBC and therefore have no use for Abbey account except to repel against them.

I have the following grounds for appeal:

1- I have been unfairly charged for over 270 pounds or so for going 27 pounds in three separate totals of 7pounds, 18 pounds and so. Since I have complaint to them and to the financial Ombudsman they have refunded 50% only. But they have been charging me every month even though I was making the complaint to them and to the Ombudsman.

2- I have contradicting letters from Abbey some stating I am have no overdraft and some stating that I am on 1,250 pound limit for now. This supports my theory that they have deliberately refused me 100 pound overdraft just to charge me the overdraft fee.

3- I have since moved to HSBC who have giving me 1,400 overdrat and credit card limit of 2,000 on graduate account.

What shall I do now, shall I:

1- Refuse the destruction of service or
2- Take them to court and agree to the closure of the account

Anyone please advise me on what to do?

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Never heard of a "destruction of service slip". In any event if you want to move your affairs to your new account then do so. I wouldn't cooperate with Abbey in closing the account. If they want to close it they will do so with or without your consent. You just need to be ready for when they do so. The proviso I would attach to this is to ask whether they are threatening to default you as well as close the account?

In any event if you work your way through the FAQ and forum materials, they will guide you in how to recover unlawful charges from the Abbey.

Many thanks for the info, I will certainly not co-operate with them but the most important concept which I have deduced from your advice is indeed whether they will apply a default to my account or not which from what I understanding will subject me to bad credit scoring. In this case, I am drafting the 'letter before action' and will send it to them via recorded delivery.

The advice gets better and better, many thanks Dave

I am sorry to hear we are both in the same boat, but I am sure instead of sinking we will swim away from the lurking shark.

The Banking Code 13.6 which you have suggested is another great tool in the fight against Abbey’s doctrine to conduct a day-light-robbery and to some extent I feel like I should wait for them to share information with other credit agencies notwithstanding I will play the ‘code card’. I have submitted the letter before action to their incapable and incompetent hand’s just to give them a taste of their own medicine. As Seminole quoted ‘revenge is a dish best served cold’.