Thread: charleyfarley v abbey ***WON***

New Year's resolution........get my backside into gear and claim the £7K that the Abbey have taken from my account in less than 3 years. And I stood by and let them do it!! :? :?

I've got the statements,done the calculations, written the Prelim.......now the question

Do I send the letter to the local branch/Head Office/Complaints dept??

Many thanks

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Prelim letter sent registered post today for £7630.

Let battle commence!!

good luck Charley. Hope you get the lot back with interest.

Will be starting my own battle in the next few days so I will be following this thread , also with interest hehe

Hi Charley this is my 1st post I only found this sight a week ago and have been reading a few of the other threads where peeps have won. I am just getting into gear to complete my N1 ,I have already done the bank letters b4 finding this sight ,with just a good will offer .Good luck I will be watching your thread and keep you informed about how my battle is doing if thats ok .Not posted b4 so very new to this thanks Debbie

Hi Deb,
Good luck with your claim. After reading lots of the threads on this site
I get the impression that everyone is very supportive with lots of sound advice, so go for it!!

Reply from Abbey today..........usual standard letter stuff......"take the complaint seriously, take four weeks to investigate"

Thank you but no thank you.........lba on 24th

lba sent..........including interest it's up to £9k, and I've got a spreadsheet running for costs at £9.25 an hour, which is up to 6 hours so far and I've barely started.

have you told them about the costs part of it yet?

Is it normal to do this? Not seen many others adding in their time/costs but it sounds good to me, hehe

Told them in the lba I would claim for a refund plus costs and interest. Because the claim is over the £5K standard threshold for the small claims track,then you can claim £9.25 an hour in the Fast Track. I read of another poster has just won 49 hours prep time at £9.25, so it's better than a poke in the eye.

Don't know if the same applies to the SC

Hi,
Sorry to crash in but I have not heard this one. Can it be added if you have already submited an N1 form to the courts?

Simcap

Thanks for your message of support on my thread yesterday, I will indeed follow your case with much interest! Good Luck. I was wondering which spreadsheed you had used and if you could quickly explain how you go about claiming statutory interest rather than the 8% court interest. Bit unsure about this - any help at all would be very gratefully received.

Hi James,

This is the gospel according to the Vampiress with all the relevant spreadsheets

http://www.consumeractiongroup.co.uk...d=56&Itemid=36

I wasn't charged much interest with my charges despite the actual value of the charges, so that's why I've chosen to go down the 8% route, but the contractual route is more lucrative.

Hi everyone,

Abbey are in a good mood...........GOGW payment of £1300 + £200 I've not even been charged yet!!

Thank you very much, but I'll still see you in court

Onwards and upwards!!

Letter from the "Head of Complaints" with the usual.........one of my team, investigate, relevant paperwork,review the facts etc etc.

I bet he's a busy man at the moment if this site is anything to go by!

Hi m8,

Handed in my N1 on Fri 2nd so we a but closer timescale now.

Quick update,

Senior Customer Resolution Manager says he's carried out a full investigation into my claim and he can assure me that those charges do not contravene Unfair terms in Consumer Contracts Regulations,1999.

you obviously take my claim so seriously that you send me a copy of the letter you send to everyone else, with the same reply.

Well my answer to you is.................. "N1 tomorrow"

Just spent my entire evening completing my N1, and after two mistakes on all three copies, I do believe I've cracked it! So a trip to Court tomorrow with a cheque for 250 big ones(refundable of course) and we're in business.

N1 submitted,claim number issued, 250 quid paid, expect to receive confirmation of being served by Wednesday next week.

This is where things get serious