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superclio

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About superclio

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Glenn, what are the strategies? I'm thinking it's too difficult to get my other statements unless I fly back (which I can't afford right now) and it seems there is no way Abbey will come up with more than 6 years worth, so I think I have to go ahead with the one claim now. Then whenever I go back (hopefully in the next 12 months) I will try a claim for the pre 6 years worth. Did you just mean keep it as one claim is the best solution? Or is there a strategy as you mentioned?
  3. Yes, I could possibly use a friend's address. It wouldn't make any difference then that the address for MCOL was different to that on my bank statements? (Which is my US address.)
  4. Alas they are in some box somewhere in my parents attic. There is no way anyone other than me could (or would!) trawl through it to find them. I almost thought about bringing them with me but thought why on earth would I need them? If only... If I go ahead with my current claim for the last 6 years (£991 including interest) would that jeopardize my chances of claiming for more than that at a later date?
  5. So if it's MBNA does this mean I have to go through a different department / company to claim back? Or could I add it on to my Abbey current account claim?
  6. I notice that all the info on both this and Money Saving Expert websites relate to current accounts only. If the charges are illegal for this are they not therefore also illegal in the case of credit card companies? Does anyone know if I can add my credit card charges for late/missed payments? Basically while I abroad I wired my monthly payments and one month they went missing. 6 months later Abbey admitted that they had been 'sitting on a ledger as they didn't know where to credit it' as the bank in the US had got one digit in my account number wrong. Nevertheless I had been calling th
  7. I have a couple of questions. 1) I currently reside in the US and have got as far as receiving the 6yrs of statements and totalling them, with interest. Will it matter to the small claims courts that I do not live in the UK right now? I am an English citizen, and have had an Abbey account for almost 15 years, so under English law and as an English citizen I should be entitled to the money back as anyone else is, I'm just not sure how not being in the UK could affect whether I can claim in a small claims court. 2) If need be I could time a court date (should I be able to claim throu
  8. You're right I need to be clear about my complaint. The bottom line is I was happy bumbling along sending my money over after the fiasco of them losing it until they forze my account. This made me LIVID. I was within my overdraft, and feel like I tolerated their ineptitude and let slide the financial hardship the credit card fees had incurred due to Abbey's inadequecy, how dare they come down on me so hard. They have incurred my wrath now! So I want to complain that since I showed such loyalty with them not pushing them for any further fee recoveries how dare they be so harsh with me a f
  9. OK, thank you. Not sure how I would find a banker to help with that part but I will start the process in getting all my fees, etc gathered. My only other queries are should I continue with the complaint to the financial ombudsman in the meantime? Will this help the process of unfreezing my account in any way? I'm guessing that the first step is to get them to unfreeze my account as asking about the claims over the last six years might annoy them enough that they refuse to consider unfreezing my account. Lastly, if my account is still frozen would this in anyway affect my rights to cla
  10. Hi there, I posted a couple of days ago about the ridiculous issue I've had with Abbey not being able to find a wire transfer of £500 that was sent from America for six months. Do you want me to send you their correspondence for your case? And how should I proceed, should I just go after the money they've charged me over the years and call it a day, or should I try to have my account unfrozen and seek compensation for the direct debits that bounced to the other banks thereby incurring their fees as well?
  11. Hi there, I posted a couple of days ago about the ridiculous issue I've had with Abbey not being able to find a wire transfer of £500 that was sent from America for six months. Do you want me to send you their correspondence for your case? And how should I proceed, should I just go after the money they've charged me over the years and call it a day, or should I try to have my account unfrozen and seek compensation for the direct debits that bounced to the other banks therevy incurring their fees as well?
  12. I need to go to bed now, it's late here. But any questions you have I will reply to tomorrow. I all the relevant paperwork and notes on it. The only thing I can't find is the name of the individual at Abbey who told me the money had been sitting on a ledger for six months. Thank you for your help.
  13. Sorry, forgot to say the credit cards were mostly from other banks, Barclays, Egg, Alliance & Leicester, but there were also two Abbey cards as well.
  14. The payment was for $1000, about £500. I had about 4 or 5 monthly payments to credit cards and a loan. Once a month or so I would send this amount back. The money was sent in March, and was eventually tracked down in August, after months of the bank in the US telling me that the UK said I had it, but when I called Abbey they said they hadn't received any money, and there was no deposit in my account. Eventually Abbey National told me that it had been sitting on this ledger. Unfortunately becasue of the time difference (Abbey's Global Advice Line is only open between 1am - 9am my time) wh
  15. Hi have a question. I moved to the US but kept open my current account in England as I had credit card debts I was paying off. I incurred various charges over the years for bouncing cheques, etc, so I could possibly try to claim for them except for this...I was sending money back to my account from the US every month to meet my card payment, one month the money didn't arrive but since it left my account in the US I didn't realize this was the case until all sorts of letters were forwarded to me - very late in the day - showing fees from the bank for my debits going out when I was over m
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