right here goes. firstly been to court to pick up an n1 form. havd several phone calls since last posted from debitas. they now want 50.00 per week (not a chance). told them account in dispute. blah blah blah. will keep paying the tenner a month. got a phonecall off crap one yesterday to say that because debitas couldn't get the money out of me then it has been passed back to them. explained again that account in dispute and had an n1 form to fill in. he told me that i couldn't claim any interest as the account i had with them the intrest was zero. and also there was only 188.00 in charges. i said that i had all the statments and it came to more than that and could they put everything to me in writing he said no i will continue to call me everyother day. by this time i was acting very patronising and said to him thast i couln't wait he could ring as many times as he wanted. (he aint getting anymore money though).

okay i think i have given abbey plenty of time now. get letters every other day to say they are looking into it for me, but its a stage 2 complaint and nobody has been assigned to it yet. they acknowledge that its been eight weeks and told me that i can go to the ombusman now if i want to. been to court and picked up n1 form. may need some help to fill it in any body help. also since they had the lba more charges have been added and i got my statment the other day and anothe 90.00 is coming out on the 24th feb. can i add these on too when i fill in the n1

right here goes. rang shabby before chreistmas about the charges that i was getting on christmas eve. was asking them if i could have the charges back. the request was put through to their complaints dept who would look into the case and let me know. received a letter from alison goodband to say she has looked into my case and as they have already given back charges in the past as a good will gesture that at no point would they refund anymore charges in the future. i have now got all the statements that i need and done a spreadsheet with a prelim letter and also a lba letter as i feel that i already have had my response from alison goodband to a prelim request eventhough it was done via the phone. in the lba have also explained this. rang abbey yesterday to make sure they received my letter(which i know they did as i tracked it) was told that it wasn't on the system but this could take a couple of days. then she said that she would email alison and get her to give me a ring in the next 24 hours to see if we could sort things out without all the rigmerole of letters(sorry if thats not spelt right). took the day off work to see if she will ring. will let you know

Yes I Did Struggle A Bit Over Xmas As It Was 120 Quid They Took And When You Have 5 Kids The Money Dont Go Far. Any Way Now I Can See Light At The End Of The Tunnel. Been On Vamps Spread Sheet And Total Claim Inclu Interest Is £3200. Wrote Prelim Letter And Printed Out Schedual Am Going To Post It When I Pick Kids Up From School. Cant Wait For Cheque As I Know Abbey Will Not Get The Better Of Me Again.

microfiche came today and after a quick calculation comes to just under 3k without interest will go on vamps spreadsheet later and let u know.

happy new year to you all. nothing much happened over xmas no response from mr uddy. really need help now though. in my final email to mr uddy i put that i was claiming compounded contractual interest. but been reading on other threads and i may have made a big, big error. can someone please explain compounded contractaul interest to me in words of one sylabal. and if the interst rate as shown on the statement is 0% and on some its 12.7% where do i stand. thanks.

got through to pam speeed again today to ask where microfiche was. was told that bradford dept was dealing with it and that they have until the 18th jan to have my microfiche3 with me. bring on the 18th must be at least 4k in my 'savings by now' as yet another 119 quid was taken from me on xmas eve. how nice of them not.....

why 20.00 i was under the impression that it was 10.00 no matter how many accounts you have with them and the one off payment covers them all

update. sent an email to mr uddy on friday 15th dec to say that debitas had given me the wrong info and that when looking through the statements there wasn't as many charges but added on compounded contractual interest would like to know a response. rang back on the 19th to see if i'd had a response. was put through to debitas and was told by a very patronising rude person for want of a better word"what gives you the right to try to calim anything back from us. do you think that it is right that you can spend when you have no money or credit and expect to get away with out having to pay anything. you should be grateful that you have been offered something by the way something that you're not entitled too." at which point steaming through the ears i pointed out that unless he could prove a breakdown of costs for me then i would proceed to reclaim full charges. was then told "do what you want but i will tell you now that debitas will not be deaking with you or your account anymore" thabk god for that. sent mr udy another email and pointed out that i wouldn't be spoken to like that by anyone and that yes I DO HAVE THE RIGHT. will go to court today to pick up n1 form. btw rang debitas up again and spoke to someone else to put in a complaint. she actually offered me a settlement figure and said shed look into the conversation i'd had earlier in the day. and not to wait for a reply from mr udy as he's already given his final response.

rang pam speed again today to see when statements will be ready. was told around 7-10 days also asked if charges which will be coming out of the account on xmas eve could be stopped. told point blank no by their debt managment dept. thanks abbey

well done and merry christmas

dont hold your breath i have tried to speak to mr udy on many occasions and keep getting the same reply "Mr Udy will not speak to me directly on the phone" "please put it in writing and he will get round to answering you" but give the above number a ring you never know you may be luckier than i

thanx lukeyboyuk. will email mr uddy on monday as amount i asked for was incorrect due the misinformation given to me by debitas. but decided to claim compounded contractual interest so works out roughly the same. I have already had my final response from him but thought i needed to give him the corredct figures before i file for court.

update. rang pam speed on the 10th dec to ask why i still havent had my statements. was given ususal bumph about microfiche and how so many were stored together and how many were in a box and how many boxes there were. you get the picture. said i wasnt interested as a large company should be able to access these a lot quicker. they havent even taken the tenner out of the account yet! anyway received a letter from Pam this morning which says and i quote "thank you for getting in touch with us to request info on your bank account. I also acknowledge your authority to debit your account with the 10.00 fee. Please accept mmy sincere apologies for the delay in replying. (THat was the bit i liked the most an actual appology from the abbey) fROM CHECKING OUR RECORDS, i CAN SEE THAT YOU HAVE ALREADY RECEIVED STATMENTS COVERING THE PAST YEAR OR SO. aNY PREVIOUS TRANSATIONS HAVE BEEN ARCHIVED ONTO microfiche and it is not possible to provide you with a computer print out of this information. However, we have made arrangements to send you a list of archived transations between 2000 and 2005(only opened the account in feb 2002) under seperate cover yours pam speed. so at least now i know that something is finally happening but do i now have to wait another 40 days for these to come through. anybody

which email addy did you use for mr uddy?

what rate was your contracual compounded interest finding it hard to work this out as on most statements its 0% or 2.27%

does anybody know the rate co are charging as i'm thinking of going for contratual compounded interest. does it vary or is it the same for everybody?????

its up to you. i would hold out for the full amount at the end of the day its your money they took unlawfully.it just means waiting longer. also as soon as you file at court then you can add costs and interest. keep the faith you will get it all back.. good luck

lukeyboyuk. race you to the finish line.. lol

well still not got all the statements i rang yesterday to see where they were and was told they have been ordered on the 31st october and because they have to archive them it could take 3 to 6 weeks clock ticking tick tock tick tock.

letter sent back today to accept payment as partial claim. also to point out that the amount of unlawfull charges was what i defaulted on so i want the default notice removed. also that the very first charge i had on the account was due to them taking out a payment protection charge that i never asked for( i did ring them about this at the time and they then cancelled the payment protection although they didn't remove the charge). lets see what mr uddys reply will be.

had a reply this morning off mr uddy ususal bumph 'we have now reduced our charges from 20 to 12' ' we will refund you the difference and sign this form to say the matter is closed'.they have offered 176.00 as full and final. cheecky buggers have also sent me a form for me to give comments on how they handeled my complaint so that they can improve their services in the future. lol.

bump any thoughts

got statments from cap one yesterday and another set today. when i've gone through them there isn't as many charges as i was told on the phone. 460 rather than the 640 which debitas has told me. but and heres the big but. i sent a prelim letter off on thursday requesting 640 back. any ideas. do i wait for the bog off letter and then change amount at lba stage?????

abso-bloody-lutly-fan-bloody-tastic. i nearly fell off my chair laughing at this thread as it has taken me a couple of hours to read and digest. the gin and the kid was the best. did the press ever take you up on it?????. i've asked abbey for statements got 14 months and a letter saying i need to pay for the rest. rang them last week and authorised a withdrawel from my account fot the mentioned 10.00. not come out of account yet though. a quick call tomorrow and well see what happens. hope abbey pay you in time for xmas...........or do i.............would love to see another warrent issued. it's a fantastic read. no really hope u get your money asap. i won with rbos last month just by 2 letters and 2 phone calls . its a wonderful feeling when they say to you," how would you like your money".