Thanks for the advise. I have already copied the court bundle. What about the other link you listed, what do I need to download or copy ?

Hi all have been given notice of allocation to the small claims track (Hearing) Just trying to get all my evidence together and the case is set to be heard on May10th but all paperwork has to be at the court on Monday March 5th. I am taking a day off to sort it out tomorrow and have photo copied two lots of bank statements which I will be sorting into piles tonight (Joy) I have looked at the FAQ but still feel a little unsure of a few things. 1 Can I copy and paste the evidence in the FAQ as evidence? 2 Can I realistically get all the evidence in before Monday even with doing at all tonight and tomorrow as Im sure a few of you have done this. Claim is for £2817 Accepted £250 GWO but continueing the claim. Thanks Parkes

HI can anyone respond with help please?

Hello all I have sent the court my AQ and heard back from them with a direction to the small claims track. The court date set is May10 I think? I sent the A149 in on Jan 30th to the court. I remember reading something that the bank needs to respond within 14 days or I can win by default. I have only heard from the court and not Abbey so will I hear from them or do I go for the strike out by default and if so how? Thanks

thanks for the advise everyone Parkes

Hello averyone I have had to delay my claim with Abbey as I did not have the money to start court prcedings. I had got to the point where I sent them my LBA and had also been given the good will payment of £250.00. I accepted this payment as part settlement and included that wording in my LBA. It has been over 2 months since my last corospondence so can I still put my claim in to the court system or do I need to start all over again? Thanks Parkes

Is there a template letter on the site which I can send to my MP?

HI Lesser Thanks for the reply to my post IM not yet at the court stage but will be by the end of next week. As for writting to the MP's I agree and will be writting to my MP with a complaint about the whole tactics of the banks.

Hi Lesser I have just received my first offer from ShABBEY! They have said that as a gesture of good will they have refunded me £250.00 of the £2750.00. They go on to say that this is in relation for the period of OCt 05 to Sep 06? I dont know why as my charges go back to the full six years? They have also said that as they have canceled the charges as a gesture of good will they are unable to alter any information held with a credit reference agency as this info is factual? I have replied using the template in the libary and added that I find it insulting and reminded them that I still require them to remove my defaults with the credit reference agency. IM a bit confused why that have refunded on the basis of between Oct and Sep? and what about the credit reference stuff? Any views anyone?

They are on the run Keep it Lesser and you will get the lot!!

My second letter (LBA) is going to be sent this Friday. I think your offer of £1.50 per charge was very reasonable, and it just shows SHABBEY to be a bunch of thieves. GET THE LOT BACK!!! I will be watching your claim with great interest to see when you get it all back Lesser

HI Lesser and well said! I have spent around 5 hours trying to go through all my bank statements etc and I will follow your action with a charge for my time WHEN I GET FOBBED OFF BY SHABBEY!!

HI Phil thanks again. I will send the revised letter at the 14 day excluding the interest charges. The actual charges I'm claiming is £2817.50 over the six years. At one point I had an overdraft of £2000 and paid it all back in 18 months. It got that bad because of Shabbys constant charges. One month they did me for £225!! I cant wait to get it all back. Thanks again for the great advice

HI Phill thanks for the reply. Ok so what can I do now? I have sent the letter to Abbey last week. Can I send another letter with revised charges excluding the overdraft charges? I feel like I have screwed up big time. Can anyone help?

Hi and thanks for the reply. I have sent my letter to Abbey claiming the overdraft charges that were listed on the bank statements. I think I have done the wrong thing I have had a look at the advanced spreadsheet and Im finding it a little confusing?? Have I done it wrong guys?

Thanks I have now sorted out the interest charges from my statements.

Thanks for this. I was aware of the 8% bit but wasnt sure about how to work out the overdraft interest. I sorted it by looking at the statements which pointed it all out and added up to a whooping £500!! Thanks for the reply Parkes

Hi all I have worked out that IM owed a total of £2817.50 from Abbey. I dont know how to work out the overdraft interest bit of the letter? The above figure is what they have charged me but does not include the 8% interest. Can anyone help please?

HI all I have worked out what Abbey have taken from me over the past six years and IM just about to do the letter requesting my money. Can someone please explain what or how I work out the section in the letter template which says I calculate you have taken XXX plus XXX which you have charged me in overdraft interest. How do I work it out what figure I put in here? My charges work out to be £2817.50 so what will be the plus figure? HELP!!!!