Thread: Abbey Bank Charges (2005-now)

Hi all!

I'm looking for a bit of advice and some guidance.

I've had a debt with Abbey National in 2005 for £110 from an account being overdrawn. I settled it in branch, paying off all the debts ,reducing the balance to +£10, and canceled all the direct debits and payments. From 2007, I've been getting letters from Abbey's in-house debt collectors for £200 and that they closed my account. I called them up late 2007 and refused to pay stating that I had already payed off the bank charges for my overdraw in 2005 and should of had nothing coming out of the account.

Thinking it would stop, I left it at that.

During 2008, I get a letter from Capquest demanding payment for the debt, which now spiraled to £250, because I had talked to abbey's debt collectors in 2007, I thought nothing of it and left it. However, Capquest started to send about 2-3 letters a month demanding payment, with their fake solicitors ones and pay now get 30% ones. I have not been in contact with them, but I still am getting the letters, although they've slowed down and came about once every 2/3 months.

It's now nearing the end of 2009 and I've just received a letter from Scotcall demanding payment in the next 7 days or they will pass it to their "field representatives to arrange a doorstep call".

I not sure where to start. My account with Abbey was closed and I don't have any details of my bank account, so I don't know how I would begin to get evidence of charges and things.

Can offer me any advice or give me an idea of what to do?
Any help would be much appreciated.

Thank you for the reply and advice, BankFodder.

Is there anything else I can put as identification on the SAR instead of my account number, or is there a way to find your account number?