Lula v Abbey ***WON***

[Lula]

Hi All

 

I have a week to go before I get my backdated statements, my spreadsheet is all started and ready for the new info and then I will be downloading a letter ready for posting, first though, can I ask a few questions?

 

1. What do you all think to the idea of making an appointment with the manager, handing him the letter, and reminding him that as to date, everyone who has taken action against any bank has won and that it would be in their interests to settle my claim very quickly?

 

2. Also stating that if I do not get satisfaction, the local press and their readership would be VERY interested in how to claim all their money back with interest that the bank has unlawfully taken off them?

 

Is this too strong a tactic? should I open a new bank account first?

 

I would welcome all your comments, someone on another thread said that this board is compulsive reading, I would heartily concurr ;-)))

 

Take care

 

Julia

[trundlecat]

Hi Julia & welcome

 

In my personal opinion I don't think a meeting with the manager would work because the descision to refund you isn't his. He might personally agree with what you're saying but there wouldn't be much he could do about it other than send your complaint off to head office. You could always try the local paper angle but it would worry me how this would look to the judge if your claim were to end up in court.

 

Re the compulsive reading..... oh yes! lol. You'll find also that it makes you much more likely to stick up for yourself in other consumer situations too. I've found the whole process really empowering.

 

Good luck with your claim,

TC

[whizzkid001]

Hi Julia,

 

1) In my view, an utter waste of time - unless it's a very small figure you're reclaiming he probably hasn't got that authority so will only refer it upwards anyway!

 

2) Again, don't bother. The only thing that will have an effect is filing a claim in court - see my own thread here - http://www.consumeractiongroup.co.uk/forum/showthread.php?p=50223#post50223

 

Yes, open a 'parachute' account now, in preparation for the possibility (with some, almost certainty) that they will close your account.

 

Welcome to the forum & good luck with your claim!

[Lula]

thanks for your advice guys (I presume, and I apologise if not ) just off to open a new account elsewhere hehehehe, when will it sink in with ALL banks that people are not going to take this carp lying down anymore?

 

 

julia

[Lula]

Just rang the Scabby to ask where my statements are and low and behold, they havn't done it, even though they admitted receiving the request!

 

I said that the 40 days are nearly up and this isnt good enough, the poor girl on the end of the line said that an "urgent request" will be done and they will post them second class this evening.

 

We shall see

 

 

on the upside, I have opened my parachute account, so all is organised here.

 

Bring it on

[Lula]

just rang the Scabby again to actually confirm that the statements were sent last night, even if they are posted out today I think that this blows away their argument about microfiches and the amount of time it takes to gather old statements.

 

Just awaiting their call now

[Janet-M]

I think it is best to keep your communication to letter rather then phoning them , unless you are recording the calls .

There are steps in the FAQ's in cases where they have not complied with your SAR request in time.

[Lula]

Can a mod please change the title of my thread to the above - ta very much

[Lula]

I have been hounding the Shabbey since 7th June for my copy statements, each time they have stated that they are "in the post" Yesterday I blew up at them and told them quite plainly that I thought that they were lying to me.

 

Well today i call and this poor girl who i have spoken to quite a few times now went and spoke to the manager of the Microfiche dept and came back saying that they were having problems with fiches from 1999 to 2004 and that they were having to be sent "upstairs" for the missing items to be typed in!!

 

I am finding this very difficult to swallow, when an item is microfiched, surely it is just copied like on a photocopier? why would items be missing? I think that this is quite worrying but am at a loss as to what to say to them

 

any advice or observations?

 

 

 

Confused and wet of Stevenage (its just started to thunder!!)

[eyespy]

Hi

 

please can u give me the name and number for the manager of microfiche department.

 

thanks.

[Lula]

Just rang them back, they wont give out the number of the microfiche department, and after I questioned them further there seemed to be a serious amount of backtracking going on as to what is actually happening to them, I did ask, that if the microfiche were unreadable then where are they getting the information from? she said that she didnt think that they were unreadable just some things needed retyping, but I couldnt find out why.

 

who shall I ring now? I am thinking that they have seriously ballsed it all up and given me info that they shouldnt have given me,

 

Is it illegal to tamper with this info?

[Lula]

I wish I was, just making notes as I am talking

[Lula]

bumping this cos I would like a few of the mods to take a look at this and let me know what they think, its bugging the hell out of me or perhaps i am making a mountain out of a molehill

[HSBCrusher]

I see what you mean.

Very shabbey indeed.

There must be an electronic record somewhere, or has it all been deleted? I think not. Inland revenue etc would not have to endure all this prehistoric microfish rubbish.

[Lula]

I just cant help but feel that this sort of thing is very shady indeed, if not illegal, I cant imagine a circumstance where they would need to be "retyped"

[HSBCrusher]

I just cant help but feel that this sort of thing is very shady indeed, if not illegal, I cant imagine a circumstance where they would need to be "retyped"

 

retyped from what exactly?

stinks to high heaven this.

It would be good if somebody had all the statements, and then got a new set.... I wonder if they would be the same.....

[Lula]

thats what I was trying to establish, but they clammed up

[barracad]

Hmmm interesting...

 

If the fiche is unreadable, and they are 'retyping' the information, then this would suggest that they have the information stored on some other system, thus destroying the whole 'microfiche not covered under DPA' argument.

[HSBCrusher]

My point exactly.

It must be held elsewhere, there is no way it isn't held electronically.

What are they typing it on?

a typewriter? I don't think so, it must be printed out.

 

MICROFISHY!!!

[Lula]

I did ask the question that if they couldnt read the microfiche for whatever reason, where were they getting the information from? no answer was the stern reply

[Lula]

Just spoken to the Data protection in MK, they say that they are aware of the problem and that it doesnt effect the transactions, it is just that some of the adding up is a bit dodgy, surely it is done by computer?

[HSBCrusher]

it is just that some of the adding up is a bit dodgy

Surely thats what a bank does?

Basic mathematics?

That's like hiring a lifeguard, he's OK, but his swimming is a bit dodgy.

[Lula]

Surely thats what a bank does?

Basic mathematics?

That's like hiring a lifeguard, he's OK, but his swimming is a bit dodgy.

 

 

Precisely, what are they doing? printing off the fiche and then adding it all up?

[Lula]

I am STILL waiting for my copy statements, rang the DP people in MK and gave them a bit of a rollocking, also today received a letter saying that my OD was over its limit and that I should take steps to repay with in 7 days, rang this department also stating that the amount of my bank charges was in dispute and I do not expect to hear from them again until it is resolves, I did say however, that my Child Benefit will be paid into account every month until this is all resolved.

 

Anyway, i am sending an LBA to Anthony Turbitt in Bradford with an added bit that I reserved the right to amend my claim as soon as get my statements through.

 

 

The clock is ticking!!

[Lula]

Well today I received the standard "sorry that you are unhappy" letter and a leaflet telling me how i could complain - how kind

 

Still no statements despite being told 4 times that they are in the post!!! so I am going to estimate and amend the LBA (2) letter to encompass all this and invite them to settle quickly without the need for solicitors at their expense, I wonder what they will say