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EricTheRed

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Everything posted by EricTheRed

  1. I've started my claim against them, MBNA and Capital One and have done it in accordance with the advice from the forum. I'm sure I'll be succesful but there is always a danger that in my current situation that Abbey will take their bat and ball home and call in the overdraft. If they call in the overdraft when I have a pending action against them would they bring my delinquency into question as part of their defence.
  2. This is the final straw. After speaking to Abbey they have told me that has just come back to me and said that they are unwilling to increase my overdraft on a temporary basis. I explained that the reason it was £94.64 was because they have charged me over £600 in charges since 1st January. I’m going to close the account and go elsewhere in the eternal hope that things get better. I’m only afraid now that if all this is logged onto their system that they will call in the overdraft.
  3. Just a couple of poits though. Won't they submit all this as evidence if I take them to court and use it in their defence? Could n't they claim I was negligent and they have bent over backwards to help me because I mis managed my money?
  4. as long as I stay below the Abbey overdraft limit then it should be okay. I can leave it at that and then get another bank account. I don't want to give them any ammunition.
  5. I’ve just had to go into my branch and practically beg that they extend my overdraft because THEY have charged me over £600 in charges since January. I told them that the reason I was over £1400 short plus the charges was because I had a dispute with the council and they got an AOE for my council tax which was taken all in one go in January. The Abbey told me that they will appeal to their underwriter to extend my overdraft to cover the charges that they have levied. I went into the bank to cancel my direct debits but when the girl realised I was cancelling their (Abbey) insurances then she came up with this idea of appealing to the underwriter.
  6. Should have read "A very interesting bit on penalty charges. the initial report was about APR's. I remember the Client Service Director where I used to work was bricking it going before the committee because there was no transparency to the customers on APR's just as there is no honesty or transparency on (unlawful) charges made by the banks. http://www.publications.parliament.uk/pa/cm200304/cmselect/cmtreasy/125/125.pdf
  7. bit on penalty charges. the initial report was about APR's. I remeber the Client Service Director where I used to work was bricking it going before the committee because there was no transparency to the customers on APR's just as there is no honesty or transparency on (unlawful) charges made by the banks.
  8. I outsourced a database of customers for a bank and the annual cost was £5m per annum and included all transactions. This database was used by Marketing, customer service, debt recovery and covered all the customer base of 10 million customers (24 million accounts) over a variety of clients. On this basis alone the cost of the database amounts to less than 50p per customer. As for manual intervention on accounts then any calls made to customers chasing missing payments are made on a dialler programme which is another automated process in a cycle. It only has to be programmed once and after the phone call the fields are automatically updated. The cost therefore of a typical 5 minute call from a call centre operator on £7 per hour would be minimal.
  9. Thanks I'll keep the forum updated.
  10. Sorry to be a bit thick about this but do I? 1. As I don’t know the exact amount send the DPA letter to the Abbey and when I get the records and then……………… 2. When I get a reply from them detailing the charges send the letter and spreadsheet detailing my claim?
  11. Sorry to be a bit thick about this but do I? 1. As I don’t know the exact amount send the DPA letter to the Abbey and when I get the records and then……………… 2. When I get a reply from them detailing the charges send the letter and spreadsheet detailing my claim?
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