if they are going to at all, they usually take their time over it. then they may try the microfiche fob off. ive already claimed off abbey, so have a little bit of experience. dont back down though.

let me know where you are up to. im goingto get my letter to them this week. they are not that bright, if you call them they will tell you every charge and the date over the phone. saves £10.

hi all does anyone know if you can reclaim unfair charges from a loan company in the same manner that you can from a bank?? these monkeys have charged me £87.50 in 4 charges in 3 months. ive had enough now. its not a lot of money, but there is a principle involved. thanks in advance steve

thanks karnevil, will press on with it from tuesday.

hi all well the 40 days are up today. the problem ive got is that abbey have sent the microfiche details for one of my accounts, but not the other, the one with all of the charges on. also i have no idea when i opened this account, so am not sure how to do the multiplier, to claim what i think should be an average of my charges. should i just multiply this years charges by the 6 years maximum? also where do i go for the N1 form. thanks all

hi guys sorry ive not posted for ages but ive been working abroad. this leaves me with a bit of a problem. ive not been able to send my letter for the summary of what im claiming for, and the letter im supposed to send before my 40 cut off was due about a week ago. the 40 days from sending my data protection letter is up on sat 20th august. is it still worth sending the final reminder, ive still not recieved the microfiche for my other account. thanks all. steve

hi all semi good news yesterday. i am chasing abbey over 2 joint accounts, and got the miocrofiche printoffs for one of them ( the one which i know has only £20 in charges) so some progress. just have to wait and see how long the second microfiche prints take. cheers steve

hi kia good to see more people joining the fight. stick with it and dont be afraid to ask dumb questions. i do it all the time. there are some really good people on the forum who know their stuff. good luck steve

hi karneveil. do you live on this forum? not that im complaining but your always around when ihave dumb quuestions. and yes it was the people from cheadle cheers buddy steve

hi all a couple of nights ago, there was an article on my local evening news about a guy going to court that day, suing abbey for bank charges. i missed the end of the article, and wondered if anyone had heard what happened, because obviously it could have a big knockon effect to us. cheers all steve

hi kirstypops i had some stuff off abbey as well, but i dont think they are my microfiche records as they only go back 12 months or so. will have to be a bit more patient. maybe pammy was going on the ladies first thing? strangely my 40 day date is 20th august as well. ah well, best of luck mate steve

hi kirstypops im just getting to know pam as well. im just ahead of you in that ive sent my letter in response to the microfiche bluff on monday this week. i will keep an eye out for you and let you know how im doing as well. i just recieved the standard 14 months of statements, so im just waitng to see what happens best of luck mate steve

hi all while i was on my hols abbey wrote to me and give me the microfiche bluff. ive sent off the microfiche reply from the library, but in the meantime they have sent me about 14 months worth of statements for my 2 joint acounts. do i need to do anything or just be patient. thanks for the help guys

hi terry im just a bit behind you, im about to draft my microfiche reply. good luck mate and keep posting progress.

hi paul im just a bit behind you in the process and am just about to post my microfiche letter. just wanted to say good luck and keep posting, because i will be following your efforts against abbey closely. best of luck mate steve

hi guys ive just come back from my hols to find 2 letters from abbey. basically i sent off my letter and cheque for £10 to get info on both of my current accounts. they have treated them as separate issues, sending one letter on one day and one the next, but slightly different letters.the first i think is the standard microfiche letter, the second saying i will only recieve the transactions held on their system. should they treat the 2 accounts as 1 issue, and do i need to send the microfiche reply letter regarding this. are the 40 days still in effect from the previous letter. your help and knowledge is really appreciated ladies and gents. steve

hi just started the ball rolling. sent letter to abbey requesting all info on charges to my accounts(2). just had a thought, should i have sent a cheque for £10 per account or £10 in total?

hi all im just about to start my falling out with abbey. ive already started to move my banking affairs to a new abnk A&L so they aint going to chase me off with the closed account threat, i just wanted some tips, and benifit of your knowledge before i really get stared with them. all help would be appreciated. happy claiming steve

hi mate. spoke to my missus and she said to berate you for giving out any details to someone calling you. vodafone will never ask you for details if they call you. she said other than doing the above, their is not a lot you can do, but she did mention that other moby companies do call like this and try to fool you into giving them enough info to transfer you to their network without realising. wont mention any names but one of them began with O and finished with 2. sorry i cant be more help, but good luck steve

hi ed. contact vodafone again. they should have a fraud or theft department that you can make aware of the situation. that should cover you if the guy trys to credit things to your account. my other half works for them so if she can give ma any more advice for your i will post it. she is in work at the mo. will post later if ican offer any more info. cheers.

just putting up my first post as sugggested. if anybody has any useful tips for claiming from my bank i would appreciate it. im just about to start my first action against abbey. so your knowledge and experience would be a great help. thanks all steve