Well, I was due to start legal proceedings but have just noticed that Abbey have refunded the full £70 into my account (as Miscellaneous fee refunds)!! I wasn't claiming any interest as the original penalties were only incurred in the last couple of months. I'm not sure if I'll get a letter from them explaining their reasoning! At least I won't have to go through filling in those legal forms!

Well I sent my LBA to Abbey's head office in London today via recorded delivery. I've still had no correspondence from Abbey! I've started reading up on my next step and have a question about filling in form 1a. What name and address should I put for the defender? Do I just put Abbey's head office in London? Thanks

Hi Phil Yes I sent it recorded delivery which was delivered to Abbey on 10/08/06 according to the Royal Mail website. I've just checked my bank account and unfortunately there hasn't been a sneaky refund!! Oh well, I'll send off my LBA letter in the next day or so Thanks

Hi Guys I wonder if you can give me some advice (I originally posted on the Abbey thread before I noticed the Scottish one). I sent my Request for Repayment back on the 8th of August, via recorded delivery, to the head office in London. Since then I've heard absolutely nothing, and am due to send out my LBA in the next day or so. Should I go ahead with sending the LBA without any correspondence from Abbey? Thanks

Well, I've finally taken the plunge after reading through numerous threads on this forum. I sent my Request for repayment of charges letter off this morning by recorded delivery so fingers crossed!! I'm claiming a total of £70 (which is tiny in comparison with most folk on here), and this was for going £1.50 over my overdraft limit. No wonder the banks make such huge profits! I live in Scotland, so will be following a slightly different path than most, so I'll probably be asking tons of questions when things start to get a bit more interesting! Once I've sorted things out with Abbey, I'll be moving onto Mrs gedithejedi's bank charges.