Thread: deedee1310 v Abbey

Dear All.

I am new to the forum and am about to proceed with reclaiming my charges from Abbey. I skipped the SAR part as I have all my statements.

I had two accounts with Abbey National and I'm claiming charges on both.
Do I have to put the claims in separately for each account or should I claim for both accounts together?

Also can anyone confirm the address for which I need to send my preliminary letter? I have found this by searching various threads:

Antony Turbitt
Manager
Banking Services
Customer Servces (Banking)
PO Box 297
Bradford
BD1 1BR

0161 951 6500 or 08459 724 724
Fax: 08459 670 671

Are the above details correct?

Your help with this would be greatly appreciated. I look foward to hearing from you all shortly.

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HELP!!!

Have just finished the painful process of going through my Abbey statements and lisiting all the charges. I have printed my prelim. letter and charges spreadsheet, put it in the envelope and sealed it.

Then it occured to me - as both accounts are closed, can I not go back 6 years from when it was closed??? For example one account closed in 2005, can I not claim back to 1999? The other closed in 2002, can I go back to 1996 (in fact to 1999 when account was opened)?

PLEASE HELP. For the second account it actually makes a BIG difference to the amount I'm claiming back.

Your answers as always will be greatly appreciated!!

Hi deedee1310,

You can go back as far as you like however if you go back further than 6 years be prepared for a fight. You will need to read up on this process and understand the arguements around limitation etc.

For starters have a read through these threads if you haven't already:

http://www.consumeractiongroup.co.uk...ond-6-yrs.html

http://www.consumeractiongroup.co.uk...-interest.html

http://www.consumeractiongroup.co.uk...e-charges.html

I will help out whenever I can. However I am not on here as much as I used to be.

Tanz

Hi deedee

I don't think it makes any difference if the accounts are/when they were closed, but like Tanz said make sure you do your research and prepare all your arguments so you are ready for whatever they throw at you

I have not tried claiming over 6 years yet but am in the process of getting hold of some old Natwest statements so will be beginning on this journey soon.

Good luck and I will help you out whenever I can.

Brownie24

Hiya dee

Hhttp://www.consumeractiongroup.c o.uk/forum/general/79524-key-arguments-against-compound.html

aw poo am no good at posting links!

Anyway, it basically says that yes you do have to add CI at the Prelim stage, but if you haven't and you decide you want to, then you can, providing you start the process all over again!

And also, you cannot then claim statutory interest on top.

Maybe that might help a smidgeon?

Jo xx

Originally Posted by deedee1310

I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

The letter reads as follows:

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

· Abbey does not charge you to investigate your complaint
· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review
· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

Yours sincerely,

Andrew Nanson
Business Manager
Enc. Complaints Leaflets

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

Bring on round 2!!!

:grin: :grin:

I too recieved this letter I replied as follows

Andrew Nanson
Business Manager
Banking Specialist Team
Abbey
PO Box 5885
Milton Keynes
MK10 1FA

** June 2007

Dear Andrew


I acknowledge your letter of ** June, 2007 in which you enclose a complaints leaflet. I do not feel it necessary to re-quote my letter dated ** May, 2007 as I am sure it will be on your records. I would however comment as follows;

1. You are the third department that I have dealt with and as yet I have not received the full information that I requested originally on the **April, 2007 a period of 54 days or seven weeks five days ago.

2. Your companies’ failure to adhere to the request under the Data Protection Act Disclosure Request is reportable to the Information Commissioner’s Office and makes you further liable to court action.

3. That I gave you seven days to disagree with the amount to be refunded in my letter dated ** May, 2007. This has not been disputed within the allocated time and therefore that you agree to the amount to be refunded. You state in your reply dated ** June, 2007 that “I do hope to find a solution that you are happy with”. This, of course, will be a settlement of the full sum stated in my letter ** May, 2007.

4. That within your own leaflet on complaints you state
“We promise to
send you our final response within eight weeks of your original complaint to us, or write to you explaining why we haven’t completed our investigations and when we will have done so.”
I refer you to point one within this letter and the time frame so far. This then leaves you until the ** June, 2007 to avoid an investigation by the Banking Codes Standard Board for failure to comply with the complaints procedures enacted under Parliament in December 2001, and further investigation by the Financial Ombudsman Services for this same failure, both of which I feel apply to this case and thus will be instigated, if necessary.

5. Further, I gave you fourteen days, from ** May, 2007 to refund these monies or face legal proceedings. This still stands and thus gives you until ** June, 2007 to comply.

Although I have not heard another thing!!!

Hi Deedee1310

I sent my letter giving them till the 14th June to respond, got nothing, not even had my statements I requested in April!!!

Am going to do the N1 Form this week! :grin:

I still have an active account with them with the overdraft maxed to I sent them a letter telling there debt recovery team to deduct the overdraft and send me the money!!!

Hows yours going??

Originally Posted by deedee1310

I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

The letter reads as follows:

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

· Abbey does not charge you to investigate your complaint
· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review
· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

Yours sincerely,

Andrew Nanson
Business Manager
Enc. Complaints Leaflets

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

Bring on round 2!!!

:grin: :grin:

Hi Dee Dee I'm at the same stage, i received two of the above letters in reply to both my lba and I'm just sorting thought all paperwork to go with the N1 for court action. Just thought i would say............

Good Luck To U
Loz