yep join our happy band of bank victims and do read faqs like karny says and be prepared to be very patient

yes some of them although quite a few missing which is more frustrating than not getting any believe me is it 40 days yet and have you got any statements at all

thanks guys!!

where are you suz gotta go into town now with kids will be back on line later speak to you then bye

ahha no it makes sense theyve refunded meonly the twelve pounds not the whole amount now the pennys dropped takes me time but i get there in the end and id refuse it as it was illegal to do it in the first place personally id go for the full amount youve asked for!!xxKia

ahy ha the old microfish ploy another fob off by the scabby if itis held on seperare files why when you phone up they can see your file in front of them seperate building my ar*e they must think there dealing with idiots.Im just as impaient as you be you gotta go one step at a time steady as you go!!!

cant be good for the enviroment either us supposidly being eco friendly big words eh!!

gladly suz i did phone them and asked to read out the charges from there screen so she did i think although her version and what was in the bank varied so ive asked for a posted statement to check it again.Also got two more letters from them this morning saying there dealing with my complaint and will be in touch within 4 weeks i wont be waiting that long however.By the way were you being ironic or wot!!By the way i added up the charges on the spread sheet a little difference in there figures and mine but will wait for statement to come i think!!xKia

yep suz i dont know what wed do without him.got two more scabby letters tis morning basically were dealing with it rubbish two of them as well must think i need to see double bit like me the other night eh!!xxKia

yep my refunds dont make an awful lot of sense either cause i added it up and it doesnt add up maybe their calculater is bust !!!xxxKia

there all right none of the letters produce any results youll probably end up like the rest of us taking them to court for it sorry couldnt offer any easy answers

hiya kia here thought your thread looked a little lonely so thought id put a little comment on it you need to ask things as well like me and suz mind you we need more help than most eh!!!and i am commenting on two threads at the moment they keep me busy what stage are you at and if your viewing this suz ive not abandoned you honest!!!

Oh by the way karnevil me and my very nice bruv worked out the estimated charges and i was only out by £30 so im going to leave it as it is ta for helping me though ill try and help suz with it

hiya got another problem now have gone through the list of charges on the bank statements and the amount on their letter is wrong its not the same as the amount i got it to its about £200 out make sure people check.I also phoned them and asked what amount had been refunded to our account she told me £625 but my calculations make it more like £810 what do i do know wait and see if they refund more or what!!oh what joy we have with the grabby!!

sorry stupid computer i was going to say i also got £650 ish but also this morning a letter with it check that the refund is the right amount as mine is wrong another delaying tactic by the shabby

Hiya i also

ta very gladly karny

Oh hes right cheeky isnt he suz will you get im or me lol xxxxKia

Hey im right getting into my stride now have just written a scathing letter to to the grabby im loving it using there own words against them lolxxxKia

Just incidentally the amount in the bank wasnt what they said theyd refunded so me thinks they lie

oh by the way i wont be accepting it as a final payment goes without saying!!

Right had letter off scabby this morning heres how it goes thank you for your letter of 28 july 2006. I am sorry that you were not satisfied with the response that my colleague sent to you in march 2006 in relation to the charges on your account.(the letter basically said bog off charges are reasonable blah blah) Firstly please accept my apologies for any inconvience that you have been caused in relation to this matter (blah blah) I have carefully considered the points you have raised (thanks bank templates )in your letter and i must reiterate that the charges incurred on your account are valid and not unlawful,they are in line with the terms and conditions of your account.I am therefor unable to offer you a refund of all the charges on your account since 17 august 2003 totalling £2,397.00 as per your request. I have however,arranged to refund your accont as a gesture of goodwill the charges on your account fron september 2005 to date totalling £680.(Why if there not in the wrong why they wouldnt do it in march didnt wanna know)This sum includes charges that are due to be added to your account for August 2006(there was only charges in August because there charges forced me to go overdrawn) I accept that you did not set out to incur charges (your bloody right there no thanks to them)on your account.It is however your responsibility to monitor your account and ensure that there are suffient funds in your account at all times (blah blah what are theres!) To prevent further charges you could ask for a******and it goes on about having an miracle overdraft thatll just make my problems a hundred times worst!! Now what now?Do i write back and ask for actual berakdown of figures or just subtract it and carry on with schedule there really messing with my head!!

had brill night out just what i needed to let my hair done and what do i talk about all night this site how sad is that i need to get a life and havent as yet got n1 form still hung over oopps!!might enlist new recruits it never ceases to amaze me how many people dont know its illegal what there doing mind you im preaching to the converted sorry to mention church thingy

hiya kia here just a lttle bit in front of you lot me and suz whose probably hung over anyhows read the faq all of it take it all in and ask plenty of dumb questions like me then i wont feel quite so thick but dont ever be put off by what you read here cause abbey count on the fact that they can scare you away dont let them

dont forget phone call to abbey bout statements remember keep focused and not on the bottle of barcardi.Gonna get n1 form tommorrow and see if ill have to pay as im on benefits so maybe not bit of luck on that score eh as im skint at moment so it might have to wait keep making me giggle suz and i dont need to do an awful lot to do that to you to reduce you to fits of laughter lolxxxKia