EXCELLENT NEWS Really chuffed for you, on one hand......... But, on the other, they do seem to insist on paying the settlement into an open Abbey account - however, it then clears your o/d and gives you cash in hand, so it's not too bad? Take care and best regards Jo xx

Hi georgie Same neck of the woods as me then! The link for the spreadsheet of settled claims is here: http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=138&Itemid=82 As far as the recent charges go, you cannot add these to your claim without an official amendment, the cost of which is non-reclaimable, so unless it is a substantial amount it may not be worth doing. You can however start a new claim for these when this one is settled, if you really want to go through the process again!! As far as I am aware, you have to inform the Court regarding the GoGW payment, and show it as a credit figure on the bottom of your Schedule of Charges; did part of the GoGW include the cancellation of future charges? If so, you should NOT include this part on the schedule, only the actal refunded charges. Hope this helps. Best regards Jo xx

Hi babaton Yes, the Amount claimed is total charges + interest to tomorrows date. You can either print out the Schedule in the morning, or change the date on your computer to tomorrow and print it off today, that way you know the actual figure. Hope that helps. Best regards Jo xx

Hi Martyn Their refusal at Prelim stage is standard practise. You need to ignore this and carry on, ie send the LBA, so that they know you are serious about pursuing this claim to the end. They will stall at every stage - don't be put off, just stick to the procedures and time scales on here, and you wil be fine. Anything else, just shout Best regards Jo xx

Hi there No, you are not being greedy at all!! They know that if it goes to Court you will be awarded the interest as well, so I think they are being very cheeky by deducting this figure. Send back a counter-offer - I think £2,400 is more than fair, and see what happens. "As an indication, Claimants are compromising their claims up to 45% to attain an early resolution." Baloney!! Thats what they would like to happen! Stick to your guns and don't be fobbed off Best regards Jo xx

Hi Bubble Sorry I didn't get back to you sooner. I can't give you any advice - not at this stage yet, but if you have a look here, it might help: http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html Sorry I can't be of more help Best regards Jo xx

Hi Martyn Just about everyone has had this letter!! Basically you ignore it, and stick to the timescale you have given them. If you don't mind me asking, what stage are you at? - Is this letter in response to your LBA? Post back when you can and I will see what I can do to help. Best regards Jo xx

I think even in my sorry state I would know if it was the "great" cf!! No it was this thread :http://www.consumeractiongroup.co.uk/forum/abbey-bank/100487-kiddo-abbey.html?highlight=kiddo and this quote at the bottom: Thanks Kiddo call me Charles if u like. and now Andy's replies are from kiddo??????????? oh mate think I should do wacky backy!

Hi mbfluff - too late to type in full! Anyway, yes she is trying to say that there should be some sort of charge - but no-one is arguing that, just that it should be about £2, not £35!!! But it is a standard rebuff - until they disclose their actual costs, how can you negotiate a "commercially palatable offer?" Keep going for the full amount - having read 100's of threads on here, it is going to go your way! Best regards, and all my support Jo xx

Thanks kia, but I swear I replied on Kiddo's thread, and it said " call me Charles if you like" It's just me - worn out old soul struggling to keep up!! Jo xx still confused.com, but too tired to worry!

Hi again Ignore their timescales! You need, from memory, letter 4 from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html but I would change the 10 days to 7 as they took so long to respond. Best regards Jo xx

Hi... erm Kiddo, I thought you were Charles, and andypal was Andy - Either I have had too much to drink or you have a split personality??? Done my head in, this one Jo, not from Croydon, but confused dot com !

Hi shuby Standard computer-generated crap, I am afraid They haven't even acknowledged how far you have gone with your ""complaint"" - dickheads!! (Ooops sorry peeps :o ) Ignore it and carry on regardless - they have a severe case of "right hand not knowing what left hand is doing!" Me going to bed now before I get on next rung of soapbox! Best regards Jo xx

Hi again loz Amount claimed is your total charges plus interest to the actual date you submit your N1, plus your SAR fee if you paid it. I did mine on 22nd June, so I printed off the schedule that morning, which had updated the calculations to that date. Hope that helps. Best regards Jo xx

Hi there You do have to reject this offer, but I would only give them 7 days, as they were outside the LBA deadline anyway. And they won't reply, so just go for the N1 as soon as the 7 days expires. Have you checked that the money is in your account - in most cases it has been credited before you receive the letter, and also often includes the refund of future charges, which you did not include in your claim, and therefore you should not deduct them from your schedule. Hope that helps. Best regards Jo xx

Hi rockhag I don't know!! I think all you can do is start negotiations re settlement once the 10 days are up from your last letter. Having read loads of threads here - instead of doing the housework - they file a defence as standard practise, but it means jack s**t in the long run ! Have you received a copy of the defence, and their bog-standard 65% settlement offer, which seems to be the norm at the moment? Oh gosh can't help you much at the moment, but supporting you all the way. Lotsa luv Jo xx

Hi loz No, you are not being thick at all - had me stumped for a bit too. Anyway, it is the value of your charges x 0.00022, so yours would be: 2,193.00 x 0.00022 = 0.48, so daily rate is 48p. Hope that helps. Best regards Jo xx

Hi there Have a look at this link: http://www.consumeractiongroup.co.uk/forum/helpful-external-links/441-scottish-civil-procedure-some.html Hopefully it should have all the info you need - it is 5 years by the way. Best regards Jo xx

Hi loz The earliest T & C's I have found anywhere are these: http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html There was a link on an archive page for Dec 1997, but on reading the T & C's they are post 2005?? Sorry probably doesn't help. Best regards Jo xx

Hi there I had the same thing - money turned up in the bank 2 or 3 days before the letter telling me it would be done within 10 days You have to formally reject the offer as full settlement, and unfortunately you have to then give them a timescale to refund the rest of the charges before you start the Court claim. Have a look here at the templates: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Also the advice is that if the GoGW payment was made very close to the expiry date of your LBA, then you only need to give them 7 days before you commence Court proceedings. Hope that helps. Best regards Jo xx

Hi Andy Sorry for bailing on you last night - the joy of having kids! But I am glad to see you have had some great advice - better than I could have done for sure! I agree with mariejader over the 7 days - we all know they won't respond, even in 14 days, so why prolong the inevitable?! Best regards Jo xx

Back tomorrow - he is not well at all. Hope someone helps you. Lotsa luv Jo xx

Hi again Excuse me if I have to stop halfway, but youngest doing multi-coloured yawns all over bathroom floor at mo - EWWWW Their letters always seem to take a long time to arrive, but I think by law you have to look at the actual date the letter was composed, not received. Had you filed your N1 at Court first thing this morning, before postman had arrived, then I believe you would have had every right to do so. They do it on purpose to delay at every point they can. Oh poo back in a bit

Hi Andy Sorry, I have been out since my last post, which contained info you obviously did not want to hear! :o Anyway, I had exactly the same situation, and got great advice from here; this is the important bit: QUOTE: If their offer letter arrives very close to the expiry of your LBA (perhaps within a couple of days) and is for less than the full amount you should read this letter very carefully. *If this offer is NOT called FULL AND FINAL then you have a duty to mitigate your losses and continue with negotiations. This might be rather annoying, but you have to be aware of the danger of being seen by a Judge as having rushed into Litigation. You should give enough opportunity for the bank to respond to you one final time. END QUOTE As far as the refund goes, you should only deduct the actual amount of refunded charges, NOT including the cancellation of future charges, and show it as a credit figure on the bottom of the spreadsheet, ignoring the interest columns. Hope that helps. Best regards Jo xx

Hi Andy You need Letter 4 from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Unfortunately this means delaying your N1 for a couple of weeks, but then works in your favour as you made a further attempt at settlement before commencing Court action. Hope that helps. Best regards Jo xx