Yes, I agree. By the way I took your advice and have posted my message on the correct thread and have got some good response. Thanks

Hi, can I just ask, did you wait for them to investigate (up to four weeks) and for their second reply or did you send the letter before action straight after receiving their first reply? Should I complete a spreadsheet/table detailing all of the charges to send to them? Also when I put in the form for the small claims court, do I have to pay out any costs initially? Many Thanks

I didn't mean to sound rude. I appreciate your help. Many Thanks

Hi Karnevil, You are right I'm not telling them at this stage that I want to close my account I am going to wait until the out come. Your input has been a great help, exactly what I needed to know. You definitely know what your talking about and I will no doubt be back for more help. Thanks very much

Hi, I have just joined today and am hoping for some advice. I have been browsing this site for a couple of weeks now and have sent my first letter to Abbey requesting a refund of £904.00. This amount is for 18 months worth of charges all of which I have the statements for. I didn't go for the six years worth of statements because I have read that abbey are a pain in the butt at sending these out and I just wanted to get the ball rolling asap. I have had enough of the monthly charges which I seriously cannot afford. I am living on the bread line as it is and they are cripplying me. So I have decided to take control of my finances and start a fresh by opening a new bank account and trying to close the Abbey account which I have had for approx 15 yrs. So now the question is when I tell them I want to close my account what is going to happen regarding my £450 overdraft? No doubt they are going to ask for it back and who've guessed it I havn't got it. So after reading this site I am confident enough to ask for some of my money back and hopefully they can then have their money back and we will be both be happy. That would be the perfect ending but I am waiting with baited breathe. I sent my letter to them on 23rd June and I received a letter from them this morning which I though was a quick response. As I can tell from previous posts this is a standard letter acknowledging my complaint and they have a team investigating my complaint and this could take up to 4 weeks blaah blaah blaah signed Marc Winder, Head of Compaints. Obviously I am not going to sit here waiting for four weeks just to get a reply that their charges are fair etc. The next stage I gather is crucial but I am not sure what to do. Has anybody got any experience with Abbey they seem to be the most stubborn of the banks. I can't wait to cut all ties with them. What Should I do now? Is there are second letter to send or do I just go for the jugular and file a claim straight away which I am a bit apprehensive about (as this will cost me money that I havn't got) but am prepared to do. Any help would be gratefully appreciated. I am feeling a bit vunerable but confident. __________________

I am familiar with the process, thanks, but not an expert as you seem to be. Its one thing reading about everyone elses experiences and another when you're trying to claim yourself. There just seems to be so much to take in and being an amateur at this I need a little bit of guidance which I thought is what this site was for. Thanks for your advice though I have taken note. You seem to know your stuff.

Hi, I have just joined today and am hoping for some advice. I have been browsing this site for a couple of weeks now and have sent my first letter to Abbey requesting a refund of £904.00. This amount is for 18 months worth of charges all of which I have the statements for. I didn't go for the six years worth of statements because I have read that abbey are a pain in the butt at sending these out and I just wanted to get the ball rolling asap. I have had enough of the monthly charges which I seriously cannot afford. I am living on the bread line as it is and they are cripplying me. So I have decided to take control of my finances and start a fresh by opening a new bank account and trying to close the Abbey account which I have had for approx 15 yrs. So now the question is when I tell them i want to close my account what is going to happen regarding my £450 overdraft? No doubt they are going to ask for it back and who've guessed it I havn't got it. So after reading this site I am confident enough to ask for some of my money back and hopefully they can then have their money back and we will be both be happy. That would be the perfect ending but I am waiting with baited breathe. I sent my letter to them on 23rd June and I received a letter from them this morning which I though was a quick response. As I can tell from previous posts this is a standard letter acknowledging my complaint and they have a team investigating my complaint and this could take up to 4 weeks blaah blaah blaah signed Marc Winder, Head of Compaints. Obviously I am not going to sit here waiting for four weeks just to get a reply that their charges are fair etc. The next stage I gather is crucial but I am not sure what to do. Has anybody got any experience with Abbey they seem to be the most stubborn of the banks. I can't wait to cut all ties with them. What Should I do now? Is there are second letter to send or do I just go for the jugular and file a claim straight away which I am a bit apprehensive about (as this will cost me money that I havn't got) but am prepared to do. Any help would be gratefully appreciated. I am feeling a bit vunerable but confident.