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Hi I had exactly samr letter today!! Going to reply them later and send photocopies of all the statements and highlite all the relevant info . my claim is only small for £260 but I still had to experience all the nastiness of call center staff and branch Good luck and keep us posted!

THANKS A LOT TO EVERYBODY!! I will keep you posted.

I am at lost now.I alredy sent LBA and already received a reply telling me to go and have a cup of tea. can I just proceed with an action? God I know I am really stupid. And I did work for halifax you know. Thank you!! Thank you !

What is LBA? Sorry I am Russian and my english not that great.

Hi Everybody! 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.