Hello all, just a quick reply. The Abbey investigated this and gave me £50 as a GOGW. They stated that they had no idea this happens and thanked me for bringing it to their attention. It then happened again a few days ago. I sat on the phone to their complaints department for over an hour and the nice lady stated that she was aware of this happening frequently. This means that for a period of a few days per month the Abbey probably witholds access to millions of pounds worth of money and earns the interest from it. I would encourage anyone who banks with the Abbey to check their account daily (especially if you have an electron card). This is obviously a [problem] to make even more money (that's over £1000 from my account in a couple of months). No matter how much i demanded access to MY money they said they could not. I have now made another complaint saying the £50 GOGW was insulting and am looking at reporting this to the financial ombudsman, Woodwa5:mad:

I have just spoken to the abbey who have admitted to me that the instant overdraft fee is a charge for returned direct debits. This is surely them stating that they have just changed the name of the charge and it is not as they previously claimed a service fee. The arogant gent I spoke to called it a 'charge' so surely that's ruined their shiney new terms and conditions, just a thought Woodwa5:roll:

hello all;) i have been away for a while so haven't had the chance to progress my claims and will start again soon. I have just been reviewing my current account statements and it appears that the abbey have charged me £70 for instant overdrafts request fees before the new terms and conditions came into force. Surely I should be able to get this back as there was no such thing? Woodwa5:cool:

when you make a card payment the bank holds the money for you until the payment clears (so you can't touch it). This money will come off your available balance but your real balance remains the same. In this case they have already cleared the money but they are holding it aswell so the money is there somewhere but i can't touch it.

You are not going to believe what the abbey have done this time. I was going to go to the cinema with my wife tonight. Believing that I had several hundred pounds in the bank i went to the bank machine to find that my cleared funds was only £13. Concerned that somebody had been steeling from my account I phoned Abbey to find that the only department open was lost/stolen cards. I spoke to a chap who stated that several payments had already cleared (among them one for £160 and one for £320) but were still being held aswell (which accounts for my available balance and real balance being so different). In effect the Abbey has charged me twice for card payments. This happened to me last month when they took the £160 (council tax) card payment off aswell as holding it. My problem is this. Last month it took 4-5 working days before I got the money back on my available balance so I can't afford for this to be the case on this occassion. Secondly this is my first day off in two weeks and it has totally ruined it. What can I do?????? Does anybody have some advice????? :-x Woodwa5

LBA sent this morning.........let's see what drivel they send in reply;)

Just a quick note to say that I am filing my N1 shortley and live equidistant from two courts. Does anybody know if Canterbury or Medway courts are staying so i know which one to file at, Woodwa5:D

good luck icy we're all rooting for ya:p

No, there's no mention of breaching your conditions and I think this is possibly a sign of the Abbey closing the stable door after thye horse has bolted

Well I got a letter for the Natwest in response to my prelim saying they will consider my claim and get back to me in 6 - 7 weeks at the latest. LBA will be sent on the 1st August:rolleyes:

Did anybody else receive the new Abbey terms and conditions in the post today. I received them and they make interesting reading. They no longer charge you for not paying direct debits, not clearing cheques etc. Instead they give you what they call an 'instant overdraft' and charge you for that instead. It appears that the fees are between £5 and £35 depending on the amount you are overdrawn. The example they give is this: At the start of the month you make a cheque payment for £18.99, which we pay and causes your account to go £12 overdrawn. The next day you make a card payment for £8, which we pay and causes your account to go £20 overdrawn. The following day a direct debit for £200 is presented to us, which we also pay, causing your account to go £220 overdrawn, In this example you would be charged: i) An instant overdraft request fee of £15 for the cheque payment. ii) An instant overdraft request fee of £5 for the card payment. iii) An instant overdraft request fee of £35 for the direct debit. iv) An instant overdraft monthly fee of £25 for using the instant overdraft service. So that seems to be a big change in terminology but it has a similar outcome. In this example you would have been charged £80 for three transactions, I welcome your comments, Woodwa5:cool:

Hey poohbear, Well done to your sis'. Shockingly enough i got no response from the abbey. Will send off my N1 tommorow

Hello, got a bit bored so decided to send this e-mail. I am under no illusions that they will actually respond to it: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Dear sir/madam, Thank you for your letter dated 18th July 2007 stating that you require more time to investigate my complaint. As you are aware I am asking you to refund to me the charges which you have levied from my account over the last 3.5 years. I calculate that you have taken £5340.00 I am attaching a copy of the schedule of the charges which I am claiming. You will note that this schedule of charges also includes the 8% interest applied to the charges that I am claiming in the amount of £820.65. This interest will become due if i am forced to progress this matter to a claim at County Court together with court costs of £250. If you respond to me by 1200 pm tommorow (25th July 2007), with an indication that you are willing to enter into a dialogue with regard to the payment of the amount owing, I am willing to suspend court action. I also note that you have failed to comply with my request that you forward within the mentioned time scale, a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These were requested under CPR Pre-Action Protocol 4.6©, and failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action, As you can see from the above I am more than prepared to proceed at court if necessary, however by acting now, we will be saving the already clogged court system from another claim and you will save the Abbey over £1000, Yours Faithfully, woodwa5 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Could somebody just run through this and let me know if it's ok before i send it;)

Good luck to your sister, i'm sure she'll be fine. Thanks for posting, I will be filing my N1 in court tommorow unless I receive an offer for the full amount before about 10 am. I have no intention of contacting them before hand as I am going to show them how serious i am. They will soon realise that i won't accept 1p less than the full amount, a focused, Woodwa5:p

Well I got a letter in the post from the Abbey this morning. It was from Richard HARRIS who is allegedly head of complaints. He states that 'their research is taking longer than expected' and that 'my complaint is very important to them' CHEERS FOR THAT DICK!!! I think i would have more respect for them if they just didn't bother waisting the postage and sent nothing......oh well N1 next Wednesday then......joy a mischievious Woodwa5:p

Thank you jo i'll give that a bash;)

Actually i missed the Dpa BIT OFF THE TOP

Hello matey, I sent mine to: DPA, Abbey customer Services, PO BOX 297, Bradford, BD1 4YR, Good luck and stick to your time scales, Woodwa5;)

As you can probably tell by all the questions I am currently completing my n1. I am using the template in the library and am stuck. Where you enter all of the interest at 8% what do I put in the red space where it says "date where the money became owed to you" as the date for each of the charges is different. Is it the date I made my prelim or is it the total of all of my charges interest at 8%. Also how do i calculate the daily interest? Woodwa5

Thanx:D

Another quick question, my claim is for about £5400. Should i reduce it to £5000 so that it stays on the small claims track?

I am making a start on my n1 in preparation for next Wednesday and have 2 quick questions: 1) How do i calculate the overdraft interest? 2) On the N1 you put the further interest in pence per day, how do you claculate that? Woodwa5:confused:

Thanks Poohbear, I don't usually let it affect me and i'm over it now. I have started another action against Natwest and they managed to send me all 6 years worth of statements in 2 weeks despite the fact my account was closed 2 years ago (a shame shabbey r not as efficient). I can't believe they had the cheek to offer you £330, you do right not to accept that and I really hope that it is a good sign. The Abbey have 'till next Wednesday to settle with me before I put in my N1. I will probably make a start on that over the weekend, a much more chilled, Woodwa5:cool:

Thanks Hedgey, the info on the links on your page were excellent. Due to the information contained there my claim is now nearer 4k. I am going to send my prelim today (no time to lose). I just hope they don't muck me around as much as the Abbey have done, Woodwa5:D

I got another letter from Pam f*****g Speed this morning saying sorry for the missing statements (about 18 months) and sending me the bloody spreadsheet again. I am beginning to lose my sense of humour now. Do I really need those missing statements or will the spreadsheet suffice? I have already sent the LBA and intend to proceed next week if they don't reply to my request, A very angry, Woodwa5:mad: