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:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Jayneod Novitiate

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    Default First letter to be sent recorded 27th April

    Hi
    I have just finished typing my first letter to be sent to Anthony Turbitt, Customer Services (Banking) by recorded mail. Unsure whether to also email a copy to complaints@abbey.com. Wondered if anybody had been successful if they could confirm the person/dept and address which worked for them. Luckily I have kept all my statements as I have been self employed since leaving Abbey on maternityicon leave nearly 10years ago. I couldn't wait to leave and will be delighted if I am sucessful in claiming back unfair interest and charges totalling nearly £300. Of which £30 was for a direct debiticon totalling £0.02.!!!!!

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  2. #2
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    Default Re: First letter to be sent recorded 27th April

    Hi and welcome to the forums...

    A great first post

    We'll keep our eyes on this, just post updates as they happen. There is no onus on you to email it too, so the standard letter will suffice.

    Best of luck to you

    John

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.



  3. #3
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    Default Re: First letter to be sent recorded 27th April

    i keep sending emails to complaints@abbey.com and as yet not one reply or acknowledgment,
    i have found that the best email for them to act on so far is customerservices@abbey.co m
    i also recieved a reply from them within 2 days.
    i have had no acknowlegment from the complaints email address at all since the 20th february or thereabout
    good luck and welcome to all new members,

    REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

    Grabby bank are the thorn in my side.
    Claim issued 31st may 06
    Served 5th june 06
    Judgement obtained 20th june 06
    Claim amount 1305.19 inc costs
    CCA letter sent to Activ Kapital (now in default. 60+ days have passed)
    CCa letter sent to Close management(21st june no response what so ever)
    Data Protection Act letter sent to Black Horse(21st june no response so far)
    Data Protection Act letter sent to First National(no response either.)
    DFS has succumbed to my request for a new suite as the last one was not fit for purpose
    All letters sent recorded and signed for.

  4. #4
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    Default Re: First letter to be sent recorded 27th April

    Just to confirm that I have sent several emails to the complaints email address too - not even an acknowledgment. Might be a dead email address.

    Stebiz

    So far 5 Credit Agreements struck out by court for not complying with the Consumer Credit Act. Total £34,000

    2 other Credit Cards totalling £8,000 have not been taken to court, yet!! As they can't find CCA.

    Received £3100 Bank Charges from Abbey National - Aug 2006
    Received £223 Bank Charges from Halifax - Apr 2007


  5. #5
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    Default Re: First letter to be sent recorded 27th April

    Any luck on an email address??

    So far 5 Credit Agreements struck out by court for not complying with the Consumer Credit Act. Total £34,000

    2 other Credit Cards totalling £8,000 have not been taken to court, yet!! As they can't find CCA.

    Received £3100 Bank Charges from Abbey National - Aug 2006
    Received £223 Bank Charges from Halifax - Apr 2007


  6. #6
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    Default Re: First letter to be sent recorded 27th April

    Havent bothered sending a copy to the email address. No reply as of yet. Next correspondence should be sent in a couple of days


  7. #7
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    Robertxc Highly informative Robertxc Highly informative Robertxc Highly informative Robertxc Highly informative Robertxc Highly informative Robertxc Highly informative Robertxc's Avatar

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    Default Re: First letter to be sent recorded 27th April

    stebiz,

    Can you please start a new threadicon for this, and we'll be glad to answer your questions.

    Why are you emailing them? If you sent the letter, then all you need to do is wait for the deadline to expire, and then sue them.

    Robertxc v. Abbey - £3300 Settled in full
    Robertxc v. Clydesdale - £750 Settled in full
    Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff
    Robertxc v. Style Card - Default removed by order of the sheriff
    Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation
    Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

    The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

    You can can contact me by email: robertxc@consumeractiongr oup.co.uk

    If you are successful in your claim, please donate 5% so that the forum can continue to help others.

  8. #8
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    Default Re: First letter to be sent recorded 27th April

    Just received a reply from Jackie Hammond at Banking Servicing at Abbeyicon advising that they have done a review and feel that their charges are correct and not disproportionate and that "If the complaint escalates into a claim in the county courticon, we'll review eash case individually and if we feel that our relationship with our customer has broken down completely, we may decide to give notice to close the account under the terms and conditionsicon". I am looking to claim back charges of just under £300 and am unsure whether it is worth continuing and possibly having all the hassle of changing accounts etc.



  9. #9
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    Default Re: First letter to be sent recorded 27th April

    This is a very standard letter, exactly the same as ones received by loads of other people on the forum (me included). I'm not aware of anyone having had their account closed, and it's by no means certain that they can do it for this reason anyway. If it were me, I would continue on with legal action.

    Robertxc v. Abbey - £3300 Settled in full
    Robertxc v. Clydesdale - £750 Settled in full
    Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff
    Robertxc v. Style Card - Default removed by order of the sheriff
    Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation
    Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

    The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

    You can can contact me by email: robertxc@consumeractiongr oup.co.uk

    If you are successful in your claim, please donate 5% so that the forum can continue to help others.


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