Abbey National plc Abbey National House 2 Triton Square Regent's Place London NW 1 3AN Hope that helps Best of Luck Jo xx

Hello deedee Just popped in to add my support - following this one with interest too; can't give you any advice, as you well know (!), just 100% backing. Also, hope the new job went okay today - belated congratulations on that! "Speak" to you soon Lotsa luv Jo xx

Hi there Have a look at this link: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094 It may help. Also, personally I don't think there is any need for a Solicitor if you follow all the information and guidance on here, but it's entirely up to you - think about the cost involved, then take that off your claim amount - it might help you decide if it is worth it or not. Best of Luck Jo xx

Hi Arn Like I said I am anything BUT an expert - only just starting out on this really. But as the letter says "When you should attend"" then it does look like you will need to reschedule, unless Abbey pay up beforehand!! Have a look at a few threads, especially clarion48 and charleyfarley, where they have been through the whole process, and won before going to Court! Sorry I can't be of much help, but a bit of reading around on here should point you in the right direction. This link might be useful also: http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html Best of Luck Jo xx

Hi Charles We must have been typing at the same time! Yes your letter looks fine, but just as a note of caution you are not supposed to reproduce template letters on the open forum. Regards Jo xx

Hi Charles This is a toughie! Here is my suggestion: Use the template letter here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html and in the "What I require" paragraph put the FULL amount of your charges from your spreadsheet. Then add a paragraph like this straight under: However, I note with some displeasure that you have pre-empted this initial request for a refund of charges with a gesture of goodwill payment of £300 as per your letter dated n June. I am at a loss to understand this, as I have not asked you for a refund prior to this letter, and would like to know how you arrived at this particular figure. Then I would add in paragraph 2 of letter 1, rejection letters http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html This the bit I am stuck on - do you accept is as part-settlement and then reduce your claim to reflect the GoGW? Theoretically it does not form part of your claim because you didn't ask for it! Hopefully someone else can shed some light on this bit. Anyway if you do have to take it off your claim, I would then add something like: Therefore my total claim to you is £xxxx, ie the total charges taken from my account during the period (date) to (date), less the amount of the goodwill payment £xxx. And then continue with the rest of the letter as per the template, and on your spreadsheet insert a line on the bottom showing "miscellaneous fee refunds" the date of the refund and the total amount as a minus figure in the "Charges" column. Oh gosh, I sincerely hopes this helps you - it it purely my personal opinion on what I would do in the same situation, and I just hope it is not bad advice. If you are really unsure, then you could PM a Mod to ask for their input - they may have some better advice for you. Hope this helps you a bit anyway Best of Luck Jo xx

Hi I don't really know on that one; all I can say is that if you go to Court, you need copies of any letters sent to you regarding the whole situation. Perhaps what you could do, is if they contact you by telephone just say you can't discuss it (for whatever reason you like), and ask that they put it all in writing to you. Don't really know if thats the right advice or not, just my opinion on what I would do in the same situation. Regards Jo xx

"Drive Safely" Hey I wish - Abbey have taken so much money off me I can't afford a car anymore, so it's an hour round trip on my poor old legs! Will get back to you ASAP Jo xx

Hi Charles I was just reading your thread. I agree this is very odd - Abbey appear to have jumped the gun in your situation. I was trying to compose a paragraph to add to your Prelim letter regarding this payment, but I don't know if I will get it done before the school run. If you can hang on till 9.30ish I will get back to you, if someone else hasn't in the meantime. Best regards Jo xx

Hi Arn Can you post the actual wording of the letter on here, so someone can tell you what sort of hearing it is? It may be that you do not have to attend yet, and therefore a reschedule is not necessary. Hopefully on seeing it one of the experts on here (me excluded!) will be able to help you. Best of Luck Jo xx

Hi Have a look at the rejection letter templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html As far as I am aware, you should inform the Court of the GoGW paid - excluding the cancellation of future charges as they are not included in your claim. But stress that you are NOT accepting this as full and final settlement, and wish to pursue the claim. Hope I got this right! Good Luck Jo xx

Hi there and welcome Another thorn in Abbeys' side (should that be backside?!) Good luck, and don't be afraid to ask anything - I have learnt SO much in just over a month from all the great people on here. (Still got a long way to go though!) Best regards Jo xx

Hi there I am pretty new to this myself, and anything but an expert, but reading through your post, the interesting bit is the paragraph in the Defence: QUOTE.......concluding that the remaining information we have requested is not the type of 'data' covered by the Act and the boxes are not a "relevant filing system." END QUOTE Surely this argument has more holes in it than a dartboard!? That may be true (I doubt it) for data pre 1999, say, but they haven't even given you 6 years worth. If that is the case, then how do they explain sending me data going back to January 2000?? My best suggestion would be to send a private message to a Moderator or Site Helper and ask them to have a look at the Defence and give you some guidance on what you may expect to happen. Sorry I can't be of more help, but someone else will, I hope. Wishing you the best of luck Jo xx

CONGRATULATIONS!!!! Excellent news. Enjoy your money! Lotsa luv Jo xx

Hi Smiffy I found a website for "Link Financial" - reading the blurb it says they purchase accounts from major banks and financial institutions, so could be the right one. There are contact details on it. I will PM it to you. As far as the interest goes, that depends on whether you are going to claim Contractual Interest, or Statutory Interest @ 8%. Statutory Interest does not go on your letters to the bank, only on the Court claim if it goes that far. Hope that helps Jo xx

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10325-moneyclaim-interest-calc-estimated.html Also, have a look at this thread - there is a reply from a Mod for calculating interest on an extimated claim which may help. Jo xx

Hi there Re the interest, do you mean Contractual Interest or statutory 8%? If it's the latter, then there is no problem; this can ONLY be claimed at the N1 stage, and should not be asked for in your Prelim or LBA. There is a spreadsheet on here to calculate the 8%: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html However, on an estimated claim this is tricky because you need to know the actual date of the charge in order to perform the calculation. If it is Contractual Interest, ie the interest they charge you for going o/d, then this has to be asked for in your Prelim and LBA, and cannot be added to the Court claim if you have not done so. (You have to start the process over with them in order to claim this.) Also, because they have failed to provide you with the information within the statutory 40 days, you should have a look at the non-compliance letters here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html As far as the Statement of Truth goes, I believe you DO have to complete this, have a look here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Hope this helps Jo xx

Hi Simon Oh my God, what a story - seriously brought tears to my eyes. Read your Sky thread too - can't really comment on the legalities because I know nothing about them, but it looks to me like you are definately forcing them to crack. And after all you have been through, and still going through, you have the kindness to offer to help others. My heart goes out to you, and I sincerely hope you whip their a***s! Lotsa Luv Jo xx

Scratching head on this one! Got a couple of possibilities, but not sure. In what context/sentence does "DG" appear? Bit more info and someone may be able to help you. Jo xx

Hi Vicki Yes, PAH indeed Delivered my N1 by hand yesterday, and it gave me a real boost! The worst is yet to come, but thanks to the wonderful people here my confidence has risen to a real high... And so will yours! All the very best - watching and waiting! Lotsa luv Jo xx

Hi dibdob (great name by the way!) Yes yes yes it is worth it! Have a read of the threads on here - so many of them now have ***WON*** beside them! I nearly gave up before I even filed at court, but thanks to the help and reassurance from the wonderful people on here, I filed my claim yesterday. Have a look through the complete A-Z guide here Can't Find What You're Looking For? Here's A Complete A-z Index - Consumer Act Hopefully it will answer any questions you have. Best of Luck Jo xx

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html Hi lisa Have a look at the above link - hopefully it should answer your question. Good luck Jo xx

Thanks deedee - my fountain of reason as ever I was just doing the "headless chicken" again I think! No seriously this has taken over my life at the moment - how sad! - and I am just picking holes in my own case before someone else does! Thanks for the reassurance - again! Will pm you in a bit to burden you with my latest woes! (Joke!) Jo xxx

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/499-northern-ireland-small-claims.html Hi Kieran Have a look at the above link from the library here. Hopefully it should have all the info you need. Regards Jo x

OK, now I have nothing else to do but wait (I wish LOL), everything is going round in my head and I need clarification if possible please on the following: My Prelim letter to Abbey included all the overdraft interest, as charged per month - I hadn't found this wonderful website then, and was following alternative advice! Then reading other websites - still not this one, unfortunately - the advice was NOT to include overdraft interest, so my LBA was amended to reflect this, and I duly informed them in the letter. I did actually take legal advice from a friends' Mum who is a solicitor, and she said that because I was reducing the claim, it did not have any effect, and I did not have to start again. Now, having filed my N1 today it is for less still; I have had to remove two months charges in 2001 to fall within the six year limit (they were valid at the time of the Prelim obviously) and I am nowhere near confident enough to argue the Statute of Limitations. OMG sorry it took so long (:o ), but the question is: If I have to submit a Court Bundle, then the Prelim letter will be included - the others won't because they contain "Without Prejudice" paragraphs - so will the Court question the difference in the amounts? And will this go against me? I know in general a difference in the original request to the Court claim does not matter, but because what I did initially was wrong, I now think thats why Abbey are being so Shabby towards me, because they think I haven't got a clue what I am doing! (How right they are - ish!) I know I am months away from a Court bundle, and may not (prays) ever have to do one, but you know when something is just niggling and won't go away? I would just like some reassurance now please, if possible, that I haven't screwed up and given them an opportunity to throw out my case Sorry that took so long too! Jo xx