Glen, Very good clear and concise, my only concern is that it will not be read by anyone at Abbey:o During all the conversations I had with James/Inga/Christine during my successful action against Abbey, I gained the destinct impression that any letters that contained more than 10 lines of text were just scan read. If it were me (and I know it`s not) for what it`s worth, I would not bother going to the trouble of sending it in letter form. I would send it as an Email to James Arrandale, and then give him 24 hours in which to have received it and supposidly read it, then phone him to discuss it`s contents. James will proberbly ask you to give him an hour and he will call you back (you won`t receive a call back) then ring him back after 2 hours. I`m sure you will find that he will settle in the end. I would suggest that my successful claim for `Compensation` from Abbey will have been a lot harder for them to swallow than for `Costs`, as it is very evident that the court system is set up to allow claims for costs at set rates etc, where as Compensatation is purely descretionary, so they will pay you, and I would suggest that James is the person to speak to, to arrange it. HTH

Andrew, Your dead right, what an appalling attitude for the Judge to take. Mind you, they might never have been overdrawn or had DDs bounced on them, but they do get charged with Exposing themselves on Trains:o :D

Notty, Go to the court tomorrow and speak to the court usher, he will advise the judge for you, and at the end of the day Abbey are not going to appear so you won`t be expected to go through anything. The judge will proberbly sign a stay order for you (7-14 days) and ask you to let the court know when settlement is cleared. HTH

My money is still on 10 days, so only 9 to go now:D

Fantastic, Well Done:)

I just love it when that happens:D Well done Glenn, welcome to the CAG Default Removers Club, membership numbers are growing Every Day:p

It makes sense. I note that you have not indicated the `Interest` element of your claim in your letter/s? I would write another LBA to them, include the interest to date (decide if your going for `Contractural @ 28.5% or s.69 @8%), give them 7 days to respond and then file in court. When filing in court you will need to word the interest entry to match the rate being claimed (should be a template in the library). Abbey may respond (once you`ve filed) telling you the court will not agree Contractural Rate, but it is not for them to tell you, and anyway it will not be going to court, so they will just have to pay it as part of your settlement. Some people may advise that you don`t need to indicate Interest being claimed at LBA stage, but if you do it now the banks know you mean business. HTH

Sarah, Don`t give up on having the default removed, they can remove them:o Last week I was just checking online and found that my Default from Abbey had been removed, and they hadn`t even told me. Check online at Experien daily as you may be suprised to see it just disapear like mine did. As for the problems with the DCA, I would phone James and tell him that unless you get confirmation in writting from him by the end of the day you will be returning to court as your claim was for Refund etc plus Default Removal and therefore as they have not taken the action that Christine had agreed too on their behalf, you will be asking the judge to set a new court date for a full hearing. Tell James that the CRA harrassing you is causing you Stress, and that if it is not resolved immediately you will also be seeking compensation for the stress that their inability to deal with the issue has caused you. James may say that a Court would not award you compensation, and they may not, but Abbey will! You have the upper hand with this, they are in the wrong and need to sort it out to Your satisfaction. James is a good understanding guy, and aslong as you explain in detail to him the stress that is being caused, he will get it sorted for you.

Ok. In the Settlement Letter from Christine, and in any subsequent letters of settlement from James, is the Removal of Default mentioned as part of your settlement? If it is, great... If not, have you signed an acceptance of settlement offer letter, and if you have, did it have the Default Removal on it? ....

Sarah, Did you have Removal of Default as part of you claim to court? (sorry, not read your whole thread:) )

Read the following thread from j2b about rejecting GOGW payments - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html It seems to cover all bases, and cuts down on time and also will shw you in good light if it ever got to court. At the end of the day, you will end up filing in court with this, as at the moment Abbey still won`t play ball, but I`m sure that the situation could change if the media keep on the case:D I`m guessing that the letter from Richard Evans was headed WITHOUT PREJUDICE ? If it was, then it won`t help you in court as you will not be able to use any letters that are headed in this way. If it wasn`t, then I`m sure that this could help you to get an earlier settlement as it could be used at AQ stage within a Draft Directions Request. Keep in touch

Nearly there now rendall, they will acknowledge and say they intend to defend. You will need to complete an Allocations Questionaire (the court will send you it) use the template in Library to help. You will get an order from the Judge with your court date stating that you need to file your court bundle with the court and the bank no later than 14 days before court date. Start getting your bundle together, use the Template in the Library to help, don`t leave it till the last minute (mine was 112 pages:o ) and you have to produce 3 copies. If I were you I`d send Abbey the bundle 4 weeks before your court date (you`ll proberbly find that settlement will happen a lot sooner if you do this) Best of luck, keep asking questions

Glen, I thought that the Default Removal was going to be the hardest thing for me to achieve within my claim, but in the end it was the easiest. They didn`t even bother to tell me they`d had it removed, I just found out when I was doing a routine check online at Experien, and there it was Gone:o Might be worth keeping an eye on your credit report over the next few days (if your not already doing)

Yes, but don`t use the simple spreadsheet as its only designed for straitforward charges, use the complex one (its easy to use) Then you need to decide what rate of interest your going to charge them on your total (Contractural of straight 8%) There are quite a few threads discussing the merits of going for contractural, so worth reading up on.

Julie, Welcome to the site:) While your waiting for the Shabby to respond to your SAR read up on a few threads, dip in and out of the success stories as if anything they will brighten your days up when you start to think its not going well. Abbey are the worst of the banks to deal with, they will try every trick in the book to try and delay the process, but in the end you`ll get your money back. Welcome once again, and best of luck with your claims

Glen, My money`s on Not! and at the moment I`ve go a lot of money thanks to the Abbey:lol: Resolved within 10 days is my guess with this.

BTW Cheque arrived yesterday in the post, interestingly it`s a Nat West Cheque:lol: so it would seem as though they are still sticking together. I remember a while back reading and posting on a thread where Nat West had paid up on Abbeys behalf as it`s who Ashursts Banks with (so even they don`t trust the Abbey:grin: ) Oh well, cheque cleared by Thursday, Round 2 begins on Friday!

Notty, In theory, if James has actioned your payment you will have it before your due to attend court, under those circumstances I would phone the court in advance and tell them whats going on and ask for a 7 day stay on proceedings. If you have not received the payment before the court date, go to court with everything and be prepared to go into court. I agreed settlement with the Abbey on Monday of this week, I received the settlement letter for me to sign and send back on Thursday, I received my cheque today:) My court date is not untill 22nd March, but I will be contacting the court to tell them Abbey have settled (They will not bounce the cheque) So, you need to make the final decision as and when you receive the payment.

M1 @ HH

Thanks Lula:) I`ll make sure you get the 1st invite to the Party Ok;-) I was thinking of holding it at the Post House at Jct 8, do you know it??

Yes, send the LBA and which will give them a further 14 days to sit on their hands:p At the end of the 14th day file in court (online at MCOL is the easiest way). Make sure you use the template N1 especially if your using MCOL and then you can look forward to the Abbey Acknowledging your claim, then saying they are going to Defend your claim in full, then approx 2 weeks before your court date they will settle in full:D Just ask if you need any further help/advise

Well Done Happyphil When the cheque clears, don`t forget a donation to CAG (it helps to keep the site running) Spend Wisely:lol:

Raverbaby, If letter 2 was your Letter Before Action (LBA) then as soon as the 14 days are up file in court (or online at MCOL). Use the template N1 from the templates library and you can`t go wrong. Good luck with the rest of your claim

Notty, It is unlikely that the Abbey would pay the funds in and then withdraw it after the hearing date, lets face it, they`ve got enough on their plate without adding that to their list of tactics:D If I was you, as long as they have credited your account by the court date, and assming the funds are not clear, I would attend court and advise the Judge of the current circumstances, he will then give a 7-14 day stay on proceedings. When the funds have cleared you can then inform the court that the issue has been settled. Hope this is of help.

Ooops! I do hope Lula is not too offended at being called a guy:o