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Posts posted by sam78

  1. I definitely think its worth asking for an offer when the time comes, on some threads others have managed to claim £££'s - the worst they could do is say no.


    I'm also going to go for the new version with the draft for my AQ. A few weeks to go yet but I want to make sure I can return it almost immediately which is why I'm reading up on everything now.


    I'm also starting a claim aganst Capital One, my statements are at the local sorting office at the moment (at least that's what I think they are)

  2. Thats a relief, was starting to worry. Suppose once you take out statements and previous correspondence etc, theres only around 15-20 pages of supporting evidence.


    I'm going to send the letter as soon as I recieve notification of a defence. That will give them approximately 2 - 3 weeks before the AQ is due.


    I can't see the point in sending it with your bundle. Theres no purpose to the letter if you've already prepared your bundle. May as well sit back and watch the interest grow.




    I have 56 sides of A4 for my court bundle which is supporting evidence.


    As I've now come this far I'd like to squeeze every last penny from the abbey, including any offers they have to make for preparation time. I'm sure it will get to the point where I have to submit an AQ and another £100, all of which could have been avoided had they paid up in the first place. I doubt they'll settle before the AQ is sent and for the sake of an extra few weeks I'd rather hold on and then ask them to make an offer along the lines of 30 mins per side of A4 at the rate of £9.25 per hour, they could refuse or they could add a nice amount to my payout. My interest only amounts to £3.50 a week anyway.

  3. Thanks 121o121,


    I was thinking of adding the preparation time request when I send in my court bundle - abbey have 3 weeks to send in their defence.


    I've spent a hell of a long time reading through the court bundle as well as printing it off etc and I think that 30 mins per side of A4 is reasonable if not an underestimate. My court bundle at present stands at 127 pages including statements etc which works out at 63.5 hours.


    (I know i'm ahead of myself with the court bundle but I know that abbey will delay things as much as possible, I'll be able to have it sent to court and to abbey virtually as soon as its requested).

  4. Just another quick update. I've had a response to my email but only to advise me that it will be passed on to the relevant department.


    I did receive two letters yesterday in the post to advise me that they are still looking into my complaint and that its taking longer than usual etc etc. This was sent the day after the complaint letters that I mentioned in my last post. What a waste of paper and ink.


    3 weeks left to get their defence in.


    When the abbey approach me for settlement I am thinking about asking them to consider the hours spent on the case - I know some other people have successfuly done this, but I was thinking of quoting them some kind of time span i.e. half an hour per side of A4 for each sheet in my court bundle. Does anyone have any comments on this?

  5. I very politely sent the abbey a letter last week to advise them that I had begun court proceedings and this morning I've received two letters from them to say they are looking into my complaint..4 weeks to reply..etc.


    Marc Winder - Head of Complaints digitally signed the letter so I have sent a nie little email advising them that I don't have a complaint and that I require a refund of charges. I've also given them the court reference number and asked that they merge all the files they have regarding this.


    Let's see what happens next.

  6. I just wanted to have a rant about banks in general and get this off my chest.


    I have spent the last 7 years or so clearing the debts I managed to run up in my late teens/early twenties. I could have gone bankrupt, paid a one-off fee, kept my monthly salary and had no credit for 5 years - big deal. In hindsight I wish I had done this, but stupidly I decided that the best way to sort myself out was to pay all my debts off myself. It was bloody hard work but this was done - almost two years ago.


    Today I have tried to open a separate account as myself & my partner are lookgin at renting somewhere together (we both still live with our parents). Nothing fancy just an account where we can both put the money to cover rent & bills etc. I firstly apporached the abbey - my bank. They didn't even sit down with me to discuss my options they advised me that as I have only a basic account they couldn't offer me anything other than a savings account from which direct debits and standing orders cannot be taken - great really helpful. Admittedly, I stormed out in a rage.


    Secondly, I tried the Natwest. I was greeted by a woman with a headset on, like the one used in pop videos. I explained that I wanted to see someone about opening an account, I was asked what facilities I have at the moment and after explaining I was told that they couldn't do anything for me. Neither bank had even shown me a seat or taken any details.


    Again, my temper got the better of me and I left the Natwest feeling like some kind of criminal. I'm sure my reception would have been much warmer if I'd have pointed a gun and demanded money from the safe!


    My next stop was the Halifax. I was shown into a room and I explained the situation. Again I was told that I wouldn't get a current account and that it would be marked on my credit rating blah blah blah. They did at least sit me down and take my details.


    Upon checking their systems it appeared that I had an existing account with them. I remember having one years and years ago and thought this had been closed. WRONG! They have referred the account to the collections department as it's overdrawn - due to the interest charges that they have added - by a whopping £7.50!!!! This will no doubt be another black mark on my credit rating.


    I paid £10 into this account to clear it and was told that someone wuld contact me later today to let me know if the account can be used again. So, at the moment I am no nearer to having another account than I was yesterday.


    If I had opted to go bankrupt I wouldn't be having these problems.


    In the last 2 years my basic account has been in the black at all times, all my debts have been paid off and financially I'm in a better position than I have ever been in but still these financial institutes insist on turning their backs on me.


    Getting into debt is easy, getting out of it is hard. I'll never be able to get a mortgage - at least for the next 5 years due to my adverse credit history, but the good thing is - I'll never do it again. What money I earn is now mine, I don't owe anything to anyone, it's just a shame that I can't get decent facilities to help me manage it. A debit card would be nice, I don't want a credit card or an overdraft but hey-ho you don't always get what you want in life.


    My only advise to anyone is to think very carefully before you take out any form of credit. Oh, and don't forget to reclaim your bank charges!!

  7. I'm hoping that by putting my story in my local paper that I can give others the knowledge and the courage to reclaim their charges - people on lower incomes are more likely to be affected by these charges and its these people that need the money that the banks insist on taking from them. I'll keep you posted on how things go.

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