Wont be able to speak later as out with mates later only for one glass promise!! you certainly make me giggle when im fed up of abbey and their games Are you sober now enough to be able to communicate with me and remenber second page of threads if im not on the first see u later lolxxxKia

so i use the n1 form and dont read any of this till your sober mind you you are funny when your drunk and i would laugh but would wake hubby by the way dont shout Karnevil my heads swimming with it all the brain doesnt usually have to think so much and as for my spelling lol eh suz!!!xxxkia

oh no you wernt oliver twist were you i will be tommorrow night!!You will laugh when i tell you this didnt know what lol meant till tonight told hubby i dint do text language so lol to yus all!! Try my thread on the second page if ive not been on for a while it wont be on the first page luv xxxKia

Whats the differnce between a moneyclaim and an n1 oh bu**er i feel really thick for not knowing when its probably written somewhere gotta go for now will speak again later bye chuck!!!kia

i thought the n1 was for data pro act is that what i use now probably a very silly question.Also when i sent previous two letters i estimated the charges i didnt know about by assuming there was one charge every month.Did i di this wrong should i change it as i did write on letter i reserve the right to change it as theyve not sent me the info i requested or just go with what i already put on the previous letters?Sorry lots of questions i know youll earn your wages this week with me and suz!!!

ive been thinking bout your missing statements hunni what i did after theyd sent some of them i phoned them to chase them up and they did send quite a few more of the statements out after that not all of them though quite a few missing still it was more awkard for them to ignore me whemn im on the phone to them. The laughable thing was he says to me the guy on the phone oh just hold the line while i speak to them in the microfiche building as if its in another building but its probably in the next office never mind a different building ha!any hows maybe try that to speed them up luv!!xxxKia

bty the way ive not included interest till now do i do it now when i do my court thingy

can you make head or tail of that!!i cant think i need a degree in maths itll probably make more sense when i sit with the paper work UURRGGHH!!

God suz youve disappeared again talk to me girl.Have you opened that parachute account yet cause weve got debt probs and the nat west didnt have a problem with it failing that try the post office cause some of my money gets paid in there you dont get debit card though but who cares eh!! Its a good question about estimates though stupid me thought id just do one charge every month cause i know thats probably the miniumm it is now ive found out you have to do a lot of sums and maths never was my strong point but i dont wanna start again so id be interested how you estimate it arent i stupid thought i was being clever as well this site has a way of making you feel stupid when you think your Bill Gates

ok thanks Karnevil thank god your there to calm us down.By the way their 14 days are up end of next week so do i go for court date now i looked at templates and it would appear so enlighten me please! thanksxxkia

hiya different thread for me anyhows have sent them first data pro act letter stating didnt know any of account numbers of current account from then or mortgage account.Cant remember off hand what date i sent it anyway the forty days are up in approx 14 days do i send another letter now and if yes which one cant find it in the bank templates.Theyve not responded to my other letter at all but i think this is quite normal from reading through the other threads.Point me in the right direction

right will write letter to them asking for breakdown of charges.So another sneaky ploy on behalf of the shabby but at least its happened to someone else as i hadnt read any other stories like this one and i panicked a little alot actually i could see my case going pearshape as usually happens to me but back on track now thanks everyone onwards and upwards

nice one although i hope i wasnt P$$ssssed when i typed it certainly didnt make much sense to me when i read it back this morning ohhh!!!

AARGGHHHH!!!! I feel like banging my head on a brick wall read the bit in my thread and youll know whats happened dont know what to do now feel better for talking about it mind the shabby abbey playing mind games again this ones a new one mind not read of them doing this to anyone else yet giving back a small amount so ill drop it wrong!!!!

hope someone reads above and answers me some of it is illegable sorry my typing goes funny when im tired and i was trying to type fast i really am unsure what to do know cause on my mini statement all the refunds are listed but no info about them when there from or dates like my hubby says they could be from all over the place so ill get all confused with the dates and what about the interest god this has really throwm me was that what it was designed to do so ill drop it.Do i stick to original timetable or what?God i wish i taken that phone call now i thought it was about my mortgage and as id already written to them didnt think there was any point in talking to them as well fool!!!Now i dont know what to do AARRGGHHHH!!!!

hiya weve managed to open a natwest step account a couple of weeks ago with no problems but thanks for all your help with this i did it on line as well really easy and all the stuff came in the post so if i need it its there but ill keep the abbey account open till they close it see i do listen dont always heed it though

yes but if i had to stand up in court i forget the power of speech i be a gibbering wreck imagine the headline lady stands up in court and cant even speak her name ive done jury service you know im Rumpole of the bailey dont you know!!

by the way that should say phoned typing error im tired!!

hiya again just a quickie hubby in bed must type quietly nope noyhing but i must tell everyone whats happened today theyve refunded £300 into our bank account without telling us they pkoned about four days ago but i refused to take ther call has this happened to anyone else cause im really worried now as i think there trying to mess my case up cause i dont know which charges theyve refunded HELP!! if this has happened to anyone one else let me know i dont know what to do know!!

yep suz you know what kia feels about this keep up the fight as i know you can i with you all the way keep me smiling

hiya me again going to bug yet again did you get my other message let me know when you can will try to get on the computer again some time in the morning kids allowing we were nearly in the sticky stuff in the past and some of it not so distant with our mortgage and were still treading on dicey ground with it im just hanging on to it but mortgage letters can be worrying ive had many a sleepless night worrying about it i can tell you and sometimes you feel so alone.Did rather a brave thing the other day though they phoned to speak to us about our mortgage and i said i wouldnt speakj to them i said ive written you a letter and wouldnt communicate with them on the phone well there not quite so handy in sending out my stuff are they but they expect me to speak with them well no sir ill do it on my terms told id only communicate by letter the worm has turned haha!! gotta go otherwise ill waffle on seeya!! kiaxxxx I WILL GLADLY DONATE 5% TO THIS SITE

i was so glad when i read my emails and yours was there beginning to feel abit lonely there but i knew youd be back.I was even gonna try a private message not that i bothered who reads this i just needed communication and yours definitly cheer me up no end.

god so good to hear to hear from you but i knew you wouldnt quit had i few problems here as well but your threads keep me going no statements or letters by the way but just talking to someone in the know keeps me going by the way might have recruited someone else to the fight someone whos got bank charges and didnt know its illegal so someone else to join our merry little band !!

Suz speak to me i can only assume youve not had any good communication since you aint writing will try you again tommorrow be positive!

nothing yet off the Scabby no statements,no letters even in the negative and even more worrying no communication off anyone so feeling very frustrated.SUZ WHERE ARE YOU need someone to keep me positive!