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Everything posted by browny1979

  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hello, I have now just sent a letter to Abbey stating that their offer to pay half of the 2k they owe is unacceptable and that the only way we can come to an amicable agreement is if they settle the full amount. I have also just received the Allocation Questionnaire from the Court, which I will complete ASAP. Just one question....the fee associated with the questionnairre is £100...can I claim this back too and if so, when/how is this added to my claim ? Paul
  4. Hi there, I've just received Abbeys defence informing me that I will soon be receiving an Allocation Questionnaire from the court. The letter I have received is as follows: "Regarding the charges, you will see from the Defence that Abbey takes issue with your claim on a number of points. For the purpose of this letter though,we shoukd like to mention in particular that your claim seemsto be based on an argument that you should not pay any charges at all. It cannot be correct that Abbey cannot charge anything at allif you become overdrawn or do not meet direct debits as Abbey must
  5. Hi there bank busters !!!! Issued my N1 claim form for the reclaimation of just over £2k to the court 10 days ago and i've received a letter from the court in response to Abbeys Acknowledgement of Service with their.. 'intention to defend all of the claim'. So I believe Abbey have now got just over 2 weeks to put MY money where their mouth is !!! This is very exciting !!!! Ive even put the wheels in motion to open another account elsewhere....just in case Abbey spit the dummy. So far so good. Thanks to everyone on this forum for their help and encouragement. I'll keep you
  6. Welcome Jim, I'm in a similar position to you in that my partner was afraid to take on the banks,so I offered to do the 'leg work' for her,having myself got an understanding of it all by reading over and over again the various threads and FAQ's.I am currently at the 'Court' stage. I would definatley go for reclaiming the charges for your son if I were you. If there is anything you are unsure about then just post on he forum and someone will always advise you and offer support. Good Luck (not that luck is needed) and keep us posted Browny
  7. Hi everyone !!! Just submitted the N1 form to the court and I have to say I quite enjoyed doing it !!! I think the wry grin on the womans face behind the counter told me I wasnt the first to have submitted the form against a bank !!!! ha ! ha !....... F*** 'Em Can't wait to get Abbeys reply...or not as the case may be. Keep going everyone !! I'll keep you posted
  8. Thanks Rooster !!!! Form now complete..off to deliver it to court tomorrow !
  9. Thanks for the quick reply Rooster. Sorry to be a pain in the ass, but I can't find anything about what to put in the "solicitors name" section. Should I just enter N/A....as I assume if it gets that far I'll be representing myself ?!?
  10. Hi everyone, I hope someone can help !!!!!! I'm just filling in my N1 court claim form vs Abbey and I'm just wondering if I have to add a solicitors name where it asks ( I havent got one, so do I need to get one ) ? Im also unsure as to whether the interest under s.69 county courts act is refering to the 8% per year interest ? Please help, Paul
  11. Thanks !! Please HELP.....again !! In the 'Value' section of the N1 form. I'm not sure what to enter under the Overdraft interest section..Can this just be included in the s.69 county courts act 1984 (interest accrued through the charges) section ?? Some of the charges listed on the statements refer to unauthorised overdrafts....is this what the overdraft interest section is referring to ?? Paul
  12. Hi, I'm just completing my N1 Claim form and appreciate some advice please ! It all seems pretty straight forward but just wanting to check that the Defendants address I put (Abbey) is the same address as i've been sending all previous correspondence to (ie my main branch)..or is it their national headquarters that I should list as their address ? Thanks Paul
  13. Thanks Rooster....you've set my mind at ease a bit !!! Time's still ticking then !!!!
  14. The story so far: Statements received 16th December: Request to refund charges sent 19th December: Reply from Abbey stating that the charges are valid are not 'unfair' and will stand and if they feel the 'customer relationship has broken down completely' they may close the account. 5th January: 'Letter before action' sent to Abbey giving them 14 (more) days to reconsider before I take further action without any more notice....(Am I correct in thinking this LBA is very similar to the request for charges refunding letter ??) 8th January: Letter from Abbey saying they are sorry
  15. I sent Abbey the letter requesting my charges refunding (totalling just over £2000 inc interest) and giving them 14 days in which to "respond positively". I have just recieved their reply saying they believe the charges to be fair and if our relationship continued to deteriorate they would consider closing my account. Am I to assume this is their way of trying to frighten me to go away ??? I believe my next step is, once the 1st 14 day deadline is up, to send them the LBA giving them a further 14 days to reconsider before I start court procedings ? Is this correct ?
  16. Thanks Darkyn, I see what you mean.. I'll get straight on with it !!
  17. I have received 6 years worth of statements yesterday from Abbey. However, I am struggling to work out, how to calculate the interest. Can anyone give me any assistance or any simple solution/formula how to do it. I have had a look at the spreadsheets re.interest calcs but I'm still struggling !!! Any help would be appreciated...... Thanks
  18. Thanks everyone, I've just posted the authorisation form for £10 to be deducted from my account. I also pointed out that their microfiche system IS covered by the Data Protection Act and so have 40 days from Monday 20th Nov to comply with my request. Thanks again for you help !!!
  19. Hi, The story so far, I sent the DPA request, taken from the templates, to Abbey (recorded delivery) on 23rd October, I have just received the following letter from Abbey. 'Thankyou for you letter dated 23rd October 2006, which we received on 27th October 2006 requesting information on your bank account. although arrangements have been made to send you the last fourteen months of transactions in the form of duplicate statements, most transactional information between 2000 and 2005 has been archived onto microfiche and is not available on our computer system.
  20. Hi all, I got a letter from Halifax saying I had incurred a £39 charge due to Halifax having to return a Direct Debit as unpaid. This charge was due to be taken from my account today (24th). Being an avid follower of Bank/Consumer Action group for quite a while now I thought i'd see what would happen I phoned up and complained about the charge,(with me knowing full well they couldn't justify it !). I phoned Halifax telephone banking and simply asked the (quite polite !!) woman straight out if she would cancel the charge as I didnt think it was fair. I nearly dropped the phone
  21. Hi, A few weeks ago I was experiencing constant difficulties with my Sky+ box whilst watching recorded programmes. The sound and picture was freezing frequently making viewing virtually impossible. I phoned the technical department and went through a sequence of procedures to try and correct the problem ,20 mins later, after wiping everything I had recorded (girlfriend wasn't happy !!) the problem seemed to have been sorted..... not for long !! I was advised (by someone who had done it ), to ,(if I was on the full £50 package, which I am) phone Sky and immediately ask for the ca
  22. Just a quick note for you disgruntled Shabby National customers, if you want a bit of a laugh. If you get chance, go on to http://www.aboutabbey.com, click on OUR POLICIES then go to HOW WE DO BUSINESS and have a read of Lord Burns' (Shabby Chairman) 'HOW WE DO BUSINESS,A STATEMENT OF ETHICAL PRINCIPALS' Brilliant comedy, I thought.
  23. Good luck to all you bank charge warriors.I notice that Howard (from the ads) is slowly losing his rather annoying smirk and doesn't seem quite so jolly!!......... Deep joy!! Keep up the good work.
  24. Having studied the various Bank Action Group forums for a week or so, I have been given the confidence (to know what I'm going to be talking about) and now pursue my bank for MY money back !! Just phoned Abbey to get them to send me my statements for the last 6 years and they are (alledgedly) going to send them without cost !!! A big thankyou to everyone who has entered info/stories on these forums, you have given me the confidence to try and reclaim what is MINE. Goodluck to everyone. Up the B.A.G brotherhood !!!!
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