Yes I knew about the March charges. Have had periodic money hiccups over the last six years and estimate untill disclosure approx £2000. Like most others have sometimes begged for leniency only to be told that I agreed to THEIR terms and conditions and not a chance of recinding the charges. Even time to pay (half this month and the same next month) fell on deaf ears. Would love to really sue the Backside off them but reading the other posts on that subject will only go for what I honestly think they owe me, unless disclosure actually happens. Will keep you posted about the next reply, Should be interesting. Cheers.

Have accepted their kind offer but will be looking at reclaiming their unlawful charges. Also reminded them that the 40 days were still running. Have also started a claim against Forthright finance but this is another thread in the RBS forum. Abbey data letter sent 14/6

Has anybody tried to take on a Finance company yet? I have had an account with these [edit] for five years and been regulary ripped off when job/circumstances changed throughout the loan period and I missed a payment. I have calculated from their own statement of transactions that I have payed over £500 in late payment charges. I sent the LBA and they acknowledged this on 12/7 with a phone call to advise me to get a solicitor. The nice guy also said that he would supply me with a complete breakdown of their charges so am holding my breath at the moment but starting to go BLUE. I dont think that this will happenj, £10 per phone call and variable charges per letter £10, £20 and even £100, all in black and white direct from themselves. I am wondering if anyone else has these experiences as I ( to date) have not found any posts about this, but will continue looking. HOWEVER, good luck to everybody. Abbey claim data letter sent 14/6 forthright claim, LBA sent 10/7 [MODERATED: Libelous comments removed]

Hi, thanks for that I am now in the process of opening a parachute account. Just one other question though, can I accept the £180 offered as I have not actually complained about my charges yet I have just asked about my transactions with the data protection letter?

Having seen T.V progs and read this site I decided to take action against some horrendous charges on my account. In May the Abbey failed to reinstate my overdraft due to a 'System failure' This resulted in most of my DDs failing.The O/D was reinstated the day after and I did not get charged for these. However, I charged them according to their own terms and conditions £190 for failing to pay these DDs when there were sufficient funds available. This naturally after detailed investigation was blamed on the system and not the Abbey's fault therfore they were not responsible for the £190. After comprehensive research, Trevor Macdonald and this site, I sent the Abbey the data protection letter along with the £10 on 14th June. I have since recieved two letters from the complaints department dated the 27th June, one being the standard garbage about investigation etc etc. The other states the expected sh*t about terms and conditions and that the Abbey's current account is good value and compare favourably with the other banks. It also goes on to say that if the complaint escalates into a claim in the County Court they would consider giving notice to close the account. The last part of this letter seems different than the ones that I have read about so far. As a gesture of good will they would be willing to Waive the £180 of charges incurred in March in full and final settlement of this complaint.:? I have 2 questions. Is this normal Abbey procedure in trying to pay as little as possible? Can I accept the £180 and carry on with trying to get my money back? If so what words do I need to add to the acceptance form that I was sent.