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:
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  1. #1
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    Mish1983 Novitiate

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    Red face Me v Abbey * Settled in Full *

    Hi all!

    Well, after reading around this forum, I have decided to claim my charges back from Abbeyicon National.

    They're no way near as high as some people's so I feel a little silly but, it's my money so.....

    Luckily, I don't have to deal with the DPA as I hadn't incurred any charges until June 2006 and their wonderful online banking system gives me access to the last 6 months worth of statements.

    I have already written and sent off my initial claim letter and have received a standard reply of 'it'll take a month to investigate.'

    My question now is - their 14 days runs out Monday, so can I write again after Monday?

    Similar Threads:

  2. #2
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    Default Re: Me v Abbey

    Mish,
    Send your letter before actionicon (by Recorded Delivery) on Tuesday, and then expect to file in court at the end of the time limit (Abbeyicon won`t do anything positive until you file)
    Good Luck

    VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES
    Halifax - S.A.R - June 06
    - Pre-Lim(£1665) July 06
    - LBA - July 06
    - MCOL - 15th Aug 06
    - Acknowledged 18th Aug
    - Settled IN FULL
    - 2nd Claim Started - 12 Dec 2006
    - SETTLED IN FULL
    - 3rd Claim Started (Phone Call) 1st March 2007
    - SETTLED IN FULL
    Abbey National - S.A.R - 23/08/06
    - Default Removal Letter sent 21st Sept
    - LBA sent with Estimated Charges 4/10/06
    - 2nd LBA 23/10/06
    - N1 filed 9/11/06 - Deemed Served 16/11/06
    - AQ & Draft Directions filed 19/12/06
    - Court Hearing 22/3/07
    - SETTLED IN FULL:o INCLUDING £5k COMPENSATION
    Capital One - S.A.R. 10/10/06
    - SETTLED IN FULL
    Alliance & Leicester - Mortgage E/S/C Claim 02/03/07
    - SETTLED IN FULL

  3. #3
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    Default Re: Me v Abbey

    hi,

    Well Abbeyicon's 14 days were up today - and I got a letter through saying the charges weren't unlawful but as a good will gesture they have refunded all my charges to my account anyway (I checked online and they have!). Can't believe it, all I did was send off the first letter. I suppose it's because I wasn't claiming thousands. Best thing, is tomorrow I have an appointment with them to shut my account down! They may have given me the money back straight away, but they caused me so much stress over the last few months that I really want shot of them.

    Now onto my Credit Cards.....


  4. #4
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    Default Re: Me v Abbey

    Mish,
    Well done with that!!
    It`s a shame they failed to use that tactic with mine, it would have saved them a few quid in court fees, and finally appearing in court (which I know they have not ever wanted to do, but will have to now with my one)
    Good luck with the Credit Cards

    VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES
    Halifax - S.A.R - June 06
    - Pre-Lim(£1665) July 06
    - LBA - July 06
    - MCOL - 15th Aug 06
    - Acknowledged 18th Aug
    - Settled IN FULL
    - 2nd Claim Started - 12 Dec 2006
    - SETTLED IN FULL
    - 3rd Claim Started (Phone Call) 1st March 2007
    - SETTLED IN FULL
    Abbey National - S.A.R - 23/08/06
    - Default Removal Letter sent 21st Sept
    - LBA sent with Estimated Charges 4/10/06
    - 2nd LBA 23/10/06
    - N1 filed 9/11/06 - Deemed Served 16/11/06
    - AQ & Draft Directions filed 19/12/06
    - Court Hearing 22/3/07
    - SETTLED IN FULL:o INCLUDING £5k COMPENSATION
    Capital One - S.A.R. 10/10/06
    - SETTLED IN FULL
    Alliance & Leicester - Mortgage E/S/C Claim 02/03/07
    - SETTLED IN FULL

  5. #5
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    Default Re: Me v Abbey * Settled in Full *

    Mish well done with that - despite their saying it's a gesture of goodwillicon etc.. it's plain they are n the wrong? It's a pity they are messing around with the people who have the bigger claims isn't it? From many of the threads I have read they have given lots of people grief in the past and now they continue to make life difficult for these people rather than hold their hands up and admit there have been problems!!

    Nice to see people winning and getting back what was their own money isn't it?

    My CCA skeleton argument to use in court -
    http://www.consumeractiongroup.co.uk...formation.html

    Useful Letters (CCA request is letter N)
    http://www.consumeractiongroup.co.uk...templates.html

    CAG A-Z list of useful places in CAG -
    http://www.consumeractiongroup.co.uk...hat-youre.html

    Introduction to Consumer Litigation -
    http://www.consumeractiongroup.co.uk...er-credit.html
    CABOT THREADS -
    http://www.consumeractiongroup.co.uk...t-threads.html

    ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

  6. #6
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    Default Re: Me v Abbey * Settled in Full *

    Oh definitely - it made my day. I was so annoyed when they took the charges from me because I had only messed up myself once (and even then all Abbeyicon had to do, was not allow the card payment through and all the charges could've been avoided - all the rest of the charges were charges because of charges!

    I have told a couple of my friends to have a look at the website and told them that they should seriously consider doing it. So fingers crossed they'll proceed and get what is rightfully theirs back!

    Not quite sure how to proceed with the storecard (GE Money) but will have a read on that - I'm determined to get the late payment fees back as I'm pretty sure they would clear my outstanding balance with them! Can you claim back charges that are only £12 a go?? (I say only compared to the £35 I have previously been charged for returning a £16 direct debiticon)


  7. #7
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    Default Re: Me v Abbey * Settled in Full *

    Mish,

    Yes - it's the same letters edited for your storecard / credit card is similar process to getting your money back off the bank - you claim the Late Payment fee, and charges etc.. there are lots of good threads in the "other banks" section that show information on Capital 1, MBNAicon etc.. cards - have a read and you'll see it's similar stuff - get your confidence up to chasing your card money back Have fun!!!

    My CCA skeleton argument to use in court -
    http://www.consumeractiongroup.co.uk...formation.html

    Useful Letters (CCA request is letter N)
    http://www.consumeractiongroup.co.uk...templates.html

    CAG A-Z list of useful places in CAG -
    http://www.consumeractiongroup.co.uk...hat-youre.html

    Introduction to Consumer Litigation -
    http://www.consumeractiongroup.co.uk...er-credit.html
    CABOT THREADS -
    http://www.consumeractiongroup.co.uk...t-threads.html

    ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

  8. #8
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    Default Re: Me v Abbey * Settled in Full *

    Its great to read about people getting settled by Abbeyicon, however I'm getting a little nervous now, court date is day after tomorrow and no sign of settlement:-|
    Has anyone heard of abbey actuly attending the court hearing?
    bizzer.


  9. #9
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    Default Re: Me v Abbey * Settled in Full *

    Quote Originally Posted by bizzer View Post
    Its great to read about people getting settled by Abbeyicon, however I'm getting a little nervous now, court date is day after tomorrow and no sign of settlement:-|
    Has anyone heard of abbey actuly attending the court hearing?
    bizzer.
    bizzer,
    Have you tried phoning James Arundale? if not, it could be worth giving him a call to ask if he would like to discuss settlement the day before the hearing.
    You`ll proberbly find that he`ll go into a Blind Panic as he sees yet another case slipping through the net (They are now struggling to cope with their caseloads ).
    I`m sure James would appreciate the call, and whilst you`ll still need to attend court on Tuesday, it should just be to ask the court for a delay as you have `Struck a Deal` with the Defendant, they will suspend for a month awaiting confirmation from you that the case has been satisfied (ie; you have your money).
    As for Abbey ever appearing in court, yes they have, at directions hearings, but the likelyhood of them ever appearing to Justify and explain their charges is fairly remote, infact, I would think that Watford have a better chance of staying in the Premiership this season, than Any bank actually appearing to disclose their charges structure!

    And before anyone starts on me about ridiculing Watford FC, I`ve supported them for 40 years:cry:

    Let us know how you get on bizzer

    VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES
    Halifax - S.A.R - June 06
    - Pre-Lim(£1665) July 06
    - LBA - July 06
    - MCOL - 15th Aug 06
    - Acknowledged 18th Aug
    - Settled IN FULL
    - 2nd Claim Started - 12 Dec 2006
    - SETTLED IN FULL
    - 3rd Claim Started (Phone Call) 1st March 2007
    - SETTLED IN FULL
    Abbey National - S.A.R - 23/08/06
    - Default Removal Letter sent 21st Sept
    - LBA sent with Estimated Charges 4/10/06
    - 2nd LBA 23/10/06
    - N1 filed 9/11/06 - Deemed Served 16/11/06
    - AQ & Draft Directions filed 19/12/06
    - Court Hearing 22/3/07
    - SETTLED IN FULL:o INCLUDING £5k COMPENSATION
    Capital One - S.A.R. 10/10/06
    - SETTLED IN FULL
    Alliance & Leicester - Mortgage E/S/C Claim 02/03/07
    - SETTLED IN FULL


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