I have the letters on my computer but the file has disappeared with recorded delivery slips and Abbey reponses!!! Is it too late to cancel the legal action? Thanks for your help.

I don't know whether the court process is going to be easy to cancel as I have a 5 minute hearing in June to state my plea to the court but I have no paper:o work to say when and how I have contated Abbey as it is lost!!!. I know I don't need my record of correspondances between myself and Abbey for this but i will need it if it does go to a small claim at a later stage! What will I do if I don't have the details of all the recorded letters I've sent them during the last year!! They gave me a partial refund but I still decided to take them to court and now I'm dying to cancel this because I have no records!! I think I should cry! Can anyone suggest anything for a desperate lady!!!

Thanks so much, So even without the AQ I still have to wait for the court to assume the next position. Many thanks for your help.

Hi there, Does anyone know if I should start to prepare the court bundles even if I haven't yet been given a court date. Abbey sent me their defence papers last week but there was no indication of dates from the court when I got my papers through. Do you think I should write to abbey and ask if they would settle to give them a chance before it does actually go to court??? Don't post here much as I have limited internet access so sorry if im not familiar. All comments appreciated very much.

dont worry then. thanks anyway. Im sure I read somewhere that's what some people had asked for in court. As customers have gone into an overdraft which is created by charges that shouldn't exist the bank should get rid of the owed overdraft then refund you the cash which actually came from your hard earned wages for the charges. dont worry, i'll keep the claim as it is. thanks anyway

Hi there, just about to push the ok button on the money claim website but im not sure if i should write that i want to claim for my overdraft to be cleared aswell as my bank charges returned. Abbey are the ones that have made me go overdrawn on my graduate account so why can't they clear this and then pay me the charges so i can do something useful with the money and not go overdrawn again if i want to access the money and do something useful with it. would love a bit of advie if anyone can help? :?

I'm about to file a claim as it has been two weeks since Abbey have put 50% into my account as a measure of goodwill. I have sent a letter saying I will pursue the matter in court and thanks for part payment. This money has just covered my overdraft and I am now at at 0 in my account but they have contributed to me going overdrawn so shouldn't I ask for more in court and pursue a cancellation of my overdraft plus the money they owe me in charges? Surley they should make me £1'165 in credit rather than re-imbursing me money which just covers the overdraft? Do i include this in my claim or shall I just mention it at court. I haven't mentioned it so far in my letters to them. Will this matter? Thanks for reading Strideyx:idea:

Thanks for reply What sort of claim shall I make? How much did it cost you and did you leave it to the court to contact them?

About 2 weeks ago abbey offered me half and i have politely declined and offered them a further 7days before I make a claim to settle the rest in court. I am about go onto the website to file a claim as Abbey have not responded. Is there anything i should know before starting. It is under £2,000 so I presume it will be a normal consumer claim? Do I write to Abbey to let them knopw what I'm about to do? Does anyone think i should call them to try and resolve it outside of court? Sorry if I'm not on this site much. Not really allowed to use internet at work!! It's been a really helpful resource though and I won't hesitate to donate.

cheers people! Good luck with your endeavors! xxxxxx

thanks for replies guys! The last letter was the LBA. I think I will do what you say and say thanks and recover the rest in court. The default notice is the most important thing to me anyway as I am applying for a mortgage soon and this will undoubtedly hold me back. Shall i file the claim now or wait for their next response to my next letter?

need some advice on which letter to write when Abbey have offered me around half of the bank charges. They said in this letter that this will show up on my account soon. They said they would not be able to remove any default notices against my name and they also said that the charges were legal and fair!!! I would like to claim for all of the charges. What should I do now? start to file an online claim? would be grateful if anyone can help as Abbey are gradually sucking my wll to live!

How can i find out if they've put a default next to my name? i always get refused credit. Thanx for your help!

I dont understand! the last letter i wrote was asking them to explain the gaps in the microfiche. If they wont admit to doctoring my microfiche and i havent got any proof of transactions during the date sin question im gonna have to take them to court with the amount the which actually does show on the statements. Do I now send the prelim because in my last letter i did mention that i wanted a response in ten days otherwise i would take legal action. 1...ive sent request for microfiche 2...received microfiche 3...wrote letter to explain gaps in microfiche given ten days or legal proceedings in the same letter. NO RESPONSE about to send prelim??? is this ok?

Abbeys 10 days to explain what they thought might be going on and to provide the missing dates has expired so i dont want to go firing off another deadline incase they dont take me seriously. I off until 2morrow. Gonna let my bro hav his computer back! Thanx for the help. Not so daunting now! x

Yep! my charges are between the 1st and the 15th . i have most of them its just that its a bit weird some months show no transactions and there is re-occurent info missing from the microfiche always between 1st and 22nd of the month in each 7 instances. very odd. did't know it was possible to edit microfiche but this is what it looks like. anyway they are aware ive noticed this and given them 10days to explain and provide the missing info and haven't responded so i will send the prelim now instead of messing around waiting for more information. or do you thnk i should write another letter saying i reckon they are editing my microfiche beforre the prelim? x

hi karnevil! Thanx for your help! Im the one who has not had missing statements but missing sections of info from statements with mysterious similarity in dates, almost as if they are cutting out info from the 1st -22nd of the month. It happens seven times during the whole collection of statements so I wrote a letter asking them to explain why they thought this was occuring of which i hav had no reply so i thought i would start the prelim letter without the explanation and the missing dates. When shall i address this strange issue ref the dates? in court??? in the prelim i suppose i shall write that i am still awaitng an explanation if the missing dates but tell them what i have already worked out with no interest as yet???? is this right?

Hi again! I had a student account so haven't been charged interest (only occasionally when over overdraft) so can i leave the interest part out? It might be really difficult to work out the interest. shall i ask back the exact amount they charged me which shows on my statement underneath the charge?

does anyone know the best spreadsheet to use for interest calculation and charges? Is the vampiress one ok for Abbey? thanx again

Hi there! just read about your experiences with abbey. Note sure qiute how to use these forums so any advice on posting comments and questions would be great. Just about to send my prelim letter for repayment but not sure how to find out if thay have put a default notice against my name in regards to credit rating etc. shall i call and ask them? Also i wasn't sure how to estimate charges for missing dates and info. do i work out an average? Sorry if ive posted this wrong!!! any comments would be appreciated guys

Help me!!!! I have been utterly confused by the manner in which Abbey have decided to send me my transaction info. They first sent me two years worth of charges listed rather than in statement form so I kept hold of these. I had to request the rest of the info and give them 7days to comply which they did. only this time they sent printed statements of the last six years which I suppose these came from microfiche. these featured hardly any charges and the charges from the two years they had sent me previously showed up nowhere!!!! whats going on I wonder!!!! How shall i catch them out? Or did they send me the wrong list of charges??? it does not state my account no after all???

PLEASE HELP!!!!! It looks like Abbey might be removing charges that were supposed to be featured on the microfiche statements!!!! They dont realise this but before they sent me the 6 years worth of microfiche statements at my final request they had messed around giving me statements in all different forms. For two years worth they actually printed the charges rather than sending the actual statements. over these two years the chareges were around £2000. when i marry these charges from the first list up with the microfiche docs nothing adds up. The charges listed for these years dont correspond with the microfiche statements for the same years. Do you think Abbey are taking out info I need to make a claim???????????????

the first paperwork they gave me was in the form of two years worth of listed charges and dates incurred. they weren't screen printed or copies of past statements but 4 pages of listed charges that were taken from my account. i never received any information then for 2 months so i wrote again stating they had not produced my statements or the rest of the charges. they then sent me within a week the complete 6 years worth of statements which dont feature any of the charges from the list they initially gave me. I looks like they are taking out information that should be there. I can guess that over time i have accumilated thousands of pounds worth of charges as i have been punished by abbey for being a poor student for years now. this complete set of info they last sent me though states otherwise. i'm seriuosly worried. how do i catch them out?

PLEASE HELP!!!! im a confused abbey customer who just got 6 years worth of transactions through from abbey after i demanded the microfiche info. Previous to my receipt of these transactions i received two years worth of listed charges (not statements) printed from abbey which shows £2000 worth of charges in two years. I cannot spot any of these charges in the new microfiche statements which should correspond with the original list of charges they gave me. this is so confusing and i dont know what to do next.

CAN ANYONE HELP!!! Ive received, over the last three months, varying forms of bank statements from abbey. before writing and asking them to remove whatever info they have from microfiche and send it to me they sent me two years worth of charges and dates incurred instead of just sending me statements.these charges came to around £2000. after my final request for the remaining microfiche statements I promptly received transactions from the year 2000 onwards. They included transactions from the two years they had already sent me and according to the new transaction records they sent I hadn't received any charges in these two years!! what is going on!! I even checked the dates from the first charges list saying i got charged on the 14th may 2005 but then in these recent microfiche statements there is nothing at all reflecting these charges on this date or any time during that month or the next!!! so basically the final microfiche statements look as if they dont have all the charges that should be there. why is this and what should i ask for?? Maybe a list of charges and interest like the first lot of paperwork they sent me? Sorry to sound confused but I did not expect this! would appreciate help very much.