This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Dear all Good news - Abbey have capitulated and paid up - £755. Story is as follows: sent letter to Abbey in February threatening court action if they didn't refund these charges. They wrote back telling me to bog off. Started court proceedings through moneyclaim in March. Abbey filed a defence. I did nothing. Then soon after, Alan Squires wrote offering 50%. I did nothing again. Then this week, a cheque for the full amount of my claim was paid into my account at Abbey Milton Keynes branch. I have had a letter from Alan Squires denying that this amounts to an admission of liability. The moral of the story folks is, sit tight & they give up. This is the 2nd claim I have won against them. Last year they paid up £1041 after an undefended claim. I have also recently been re-imbursed £498 by MBNA. So be of good heart, you will get your money because the law is on our side. britbrick

Dear all First of all, many apologies for interposing a question on AlanfromDerby's thread...... This time last year I took Abbey through Moneyclaim, which they ignored. So by default judgement, and bailiff enforcement, they paid up in full over £1000 without any comment. I fear however that Abbey are now taking a more proactive stance - we do not have any recent (i.e. within the last month) examples of them caving in. They are filing defences with the court. They have written to me offering 50% and saying: '...your claim seems to be based on an argument that you should not pay any charges at all. I would however ask you to consider that it cannot be correct that Abbey cannot charge anything at all. Even if it is correct that the charges are greater than Abbey's actual loss, Abbey would be entitled to charge something' ....and they have sent copy of their written defence in legalese. How far can we push this and what in practice happens court-wise? Do the court make a judgement without Abbey and me appearing? britbrick

I too have had a 50% offer, in 'full and final settlement'. If I don't accept this, and get an 'allocation letter', do I then have to appear at Northampton and defend the case against a barrister, or does the court decide without having to appear? Have other people been through this and has everyone won?

Dear Whizzkid I have had a letter from Mr Squires, offering me 50% out of court settlement. He has filed a defence with moneyclaim. What to do???? britbrick

Hello I am in exactly the same position - just going with CCCS, but I am also putting a claim in to Abbey against these horrendous charges and I don't see any reason why we should be deterred from that

I have sent the threatening letter to MBNA, and I have received a letter back asking me to phone them. What is the general attitude to phone calls? My feeling is not to enter into any kind of dialogue with them at all. Would I be best off: a) phoning them as requested and stonewalling b) writing to them instead telling them it's non-negotiable, or c) just going straight to moneyclaim?? Any advice gratefully accepted.

I am new to this forum but have been into this game before, using http://www.bankchargeshell.co.uk as my advisor. About a year ago, I claimed repayment of bank charges from Abbey going back about 4 years, via Moneyclaim Online (http://www.moneyclaim.gov.uk). I heard nothing, they did not acknowledge or defend the claim. So my next step was to instruct the bailiffs to go in. This all took some considerable time, and I think the bailiffs did get involved - not sure to what extent. Then out of the blue, last June, Abbey paid up in full - £1041 including all my costs. Their letter was copied to the bailiffs, to call them off. I am now starting another claim, for £567 worth of charges suffered since then. I started a week ago by sending a letter direct to Abbey legal dept in the hope they'd cough up straight away. But I received a letter yesterday saying they would not refund this and would defend any court claim. I am now about to go through moneyclaim online again to see what happens. I hope that it does not come to a court appearance. Has anybody considered this.......... I bet the banks nose into this site themselves to get the inside story of our tactics!