Claire V Abbey *WON*

**withoutapaddle** · 17th October 2006 23:42

Right....OK I think it's time to get me a little payback!!
Having been introduced to this site by my sister (Sindy) and taking a good look around I know that trying to reclaim all the charges that the Abbey icon

have taken off me for the last amont of x years isn't going to be easy.
I went through my statements tonight which date back to Dec 03 and totted up to over £1300 and that's with just over 2yrs worth with about 5 statements missing. Apart from feeling stupid at allowing my account to incurr such costs but I'm also angry

.
I'm rarely out of my overdraft icon

so when they increased it:o I was shocked but looking at the above figure I'm not so surprised now....I'm a dead cert for gaining charges and coupled with my bad management with money no wonder they increased it:-|! They were onto a right winner with me!

However I don't think that it warrants them taking such a vast amount of cash off me!!
So here goes. I'm sending off a letter to request all my statements for the last 6yrs and go from there!
Great site by the way, really informative and gave me the motivation I needed! And of course Sindy (who's already a member and has really white teeth)!!

Similar Threads:

**sindy** · 18th October 2006 00:03

LOL good luck claire! lets hope we get our money back!!:grin: (teeth)

**bish** · 18th October 2006 00:53

Welcome to the site and good luck with the claim. Anger dose motivate, when I reached £5000 in under 3 years felt just like you. I think a lot of people blame themselves, like you I thought we were bad with money and bad managers of our finances. The bank in their correspondence and defence will imply that very point, but the fact is the vast majority of people are victims of circumstance first and victims of the bank second. Always keep that in mind when claiming your money back. Good luck.

Regards bish.

**withoutapaddle** · 15th February 2007 20:28

I hope some one can advise me

.

I really need to know how to lay out my charges to send to the bank.

I've had a look round the site but I can't find the spreadsheet

.

Any help?

I'd be grateful.

Many Thanks

Claire

**charleyfarley** · 15th February 2007 22:46

Hi claire,

Add this to your favourites......it's a godsend

http://www.consumeractiongroup.co.uk...hat-youre.html

The spreadsheets are under 's'

**withoutapaddle** · 15th February 2007 23:47

Thankyou.....just what I'm looking for

**bish** · 16th February 2007 01:35

Have a look here as well 6. interest calculation spreadsheets

Regards bish

.

**Mad Nick** · 16th February 2007 08:03

Claire,

I'm rarely out of my overdraft icon

.

Same here. But what it means is that when you get to work out what interest to claim, give very serious thought to reclaiming the interest they applied to the charges at the authorised overdraft rate (16.9%) rather than the pathetic 8% the Court would award by default. I'd guess that the difference would be at least £1K in your case and this is money (interest on the charges) which they took from you, not you being greedy. In fact, without the charges you probably wouldn't have been in overdraft either (and been charged less interest). Regards, Mad Nick

**withoutapaddle** · 8th March 2007 02:00

Thanks for your replies.....

I've filled out the simple spreadsheet listing all my charges since 2000. A problem I've incurred is that when Abbey icon

sent me my statements I can't see what my balance was at the time of interest icon

charged thus not being able to calculate what proportion of the interest is due to the charges.....if you know what I mean

. They sent me microfishe.

So would I be able to continue with my claim leaving out the interest and ajusting the prelim letter accordingly?

Any advice -I'd be most grateful

**withoutapaddle** · 12th March 2007 20:39

Well here goes!

Have filled in the spreadsheet and the prelim letter and I'm sending it off tomorrow-recorded.

As Abbey icon

has only sent me a list for statements I've found it a bit tricky filling in the interest icon

charged whilst overdrawn, because it doesn't show my balance.

Can anyone confirm for me that I've got the right address

PO Box 297
Bradford
BD1 1BR

I got this addy from the contact info!

I'll be waiting now for my standard palm-off letter!

**withoutapaddle** · 13th March 2007 20:20

Well-sent off my request for payment today

!

Hopefully to the right address

**withoutapaddle** · 19th March 2007 17:16

I sent off my 1st request for payment on the 13th and a I've received what seems to be the usual palm-off letter....sorry your unhappy...blah blah....we need 4 weeks to say we're not interested!

So I'm preparing my 2nd request to send off when the first 14 days are up

.......

**withoutapaddle** · 26th March 2007 13:38

Well their 14 days are up.....

lba icon

prepared and ready to be sent off tomorrow-recorded....

Here goes, this is where it starts to get hairy

**charleyfarley** · 26th March 2007 13:45

Hi wap,

Going well so far! Just stick to your timetable and ignore any letters from Abbey icon

saying " our investigation will take 4 weeks" because they're just delaying and hoping you'll go away

**withoutapaddle** · 26th March 2007 13:48

Thanks Charley!

I figured it was just the usual 'palm-off' letter that I'd received.
Hence why I'm sending off the lba icon

tomorrow...looking forward to the next step!! (Sort of)

**withoutapaddle** · 27th March 2007 12:48

I'm having problems downloading the N1 form.
I've tried going to their site direct but no luck.
I've already had a go at disabling my virus protection.

Any ideas anyone????

**Karnevil** · 27th March 2007 13:18

pop to the court and pick one up - or give them a call and ask them to send you one.

the N1 is a pdf file on the links so ensure you have adobe reader installed properly on your computer.

**withoutapaddle** · 27th March 2007 13:28

Many thanks for your reply-just just phoned the court and I'll be picking one up tomorrow!

Yep-I think maybe that my Adobe reader is not working properly

**Karnevil** · 27th March 2007 13:28

good stuff

**withoutapaddle** · 16th April 2007 18:07

Righto I've done 3 copies of the N1 and attatched the charges.
Now this is where I'm confused. I know I have to take 2 copies to the court, do they send one to the defendant? Or do I send a copy to them?? And do I just wait to hear from the court? Is it 28 days?

Many thanks

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