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Thanks a lot for this wonderful forum. My problem with the Abbey is:
I already received all my statements and my claim is only for £260+ interest. I already sent a request for refund and already received letter telling me to forget it and change the bank if I am not happy. But The day after I received a letter from Abbey I also received a bank statement showing that hooray! I am again overdrawn by £1.18, which is an interest applied, when I was overdrawn before. Therefore abbey is going to charge me another £20. Shall I pay this £20 and claim them in my court claim. And then send them another 14 days court notice?
Or what else shall I do. I am a bit confused.
When I went overdrawn in February by £83. I went into bank and asked a cashier how much did I own a bank including charges (so I could clear the balance and close the account) and she said £260.39 but never mentioned this £1.18. So this is not really my fault.
Also the account is in jointed names, but the reply from Abbey was only addressed to me. Should I complain? My husband did sign all the letters.
I hope that’s not too much and Thanks again.
PS: I sent all the letters using templates from the library.
If you hven't claimed in court then you can change the amount to inclue the extra charges then.
Its up to you if you pay it or not, either way they are going to take from the account it aren't they?
I wouldnt owrry the letter was not sent to both of you as long as one of you is named, with joint accounts either person can claim, it doesnt have to be both of you!
I wouldn't pay them any more, but you should certainly add it to the claim. If you have closed the account they should deduct the balance out of the payment when they settle.
If you have already sent them the letter before action, then just go on to the court claim - they can hardly say that they didn't know about the extra amount since it's them that have added it. If you have just sent the prelim, then go to the LBA.
Alan, Derby, UK.
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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
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_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
If you have already sent them the letter before action, then just go on to the court claim - they can hardly say that they didn't know about the extra amount since it's them that have added it.
I refer you to my earlier reply.
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
the pending debit interest of £1.18 may not have been showing on the charges screen at that time when you went in, and they do give you about a months notice before, so that will be their argument on that one, so be prepared! Give them hell, and just to let you know that doesn't matter what the cashiers tell you officially. Secretly they wish you the best of luck.
Abbey vs Plastic-Punk.NEED SOME ADVICE!
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Re: Abbey vs Plastic-Punk.NEED SOME ADVICE!
Originally Posted by alanfromderby
Re: Abbey vs Plastic-Punk.NEED SOME ADVICE!
