icy

you deserve to get every penny, loved reading your threads and have given hope to us all.

abbey have held out all the way but it now looks as if you have worn them down

any advice for the southend claimants who appear in court over the next few weeks and along with myself look a bit nervous

maybe you could administer some of that northern steel too help out your southern comrades lol

mickyn

hi all

i have been reading through some threads and i have noticed that people have supplied a schedule of charges with their n1 form

i failed to do this so

can i do this now and how do i go about it and also abbey returned nine miscallaneos fees how do i work out which fees to delete so i can recalculate the interest

any help plz

mickyn:confused:

After posting several questions i have decided to post my experiences concerning ABBEY.

I dont expect anything to be any different from other peoples experience.

so here goes

SCHEDULE OF EVENTS

08-06-2006 APPLIED FOR BANK STATEMENTS THROUGH INTERNET (2000-2006).

22-06-2006 RECEIVED LETTER FROM ABBEY, STATING INFORMATION REQUESTED IS NO LONGER HELD ON THEIR SYSTEM, THEREFORE ADMINISTRATION FEE REQUIRED. ENCLOSED REQUEST FORM

30-06-2006 RECEIVED EXACTLY SAME LETTER AND REQUEST FORM AS ABOVE.

01-07-2006 POSTED ABBEY STATEMENT REQUEST FORM.

FAXED ABBEY STATEMENT REQUEST FORM: GIVEN INCORRECT FAX

NUMBER.

PHONED ABBEY: NEW FAX NUMBER 01274 368734.

03-08-2006 PHONED ABBEY REGARDING STATEMENTS: QUOTED THAT ALL STATEMENTS OVER 15 MONTHS OLD ARE ARCHIVED AND TAKES TIME TO RECOVER.

16-09-2006 PHONED ABBEY AGAIN REGARDING STATEMENTS, GIVEN COMPLAINTS DEPT

NUMBER 0845 600 6014. CALLED THEM AND WAS TOLD THEY WOULD CONTACT THE STATEMENT DEPT TO ARRANGE RECEIPT WITHIN 5-7 WORKING DAYS.

WILL CALL TO CONFIRM STATEMENTS HAVE BEEN SENT.

NO CALL RECEIVED REGARDING STATEMENTS

27-09-2006 RECEIVED LETTER FROM ABBEY, STATING INFORMATION REQUESTED IS NO LONGER HELD ON THEIR SYSTEM, THEREFORE ADMINISTRATION FEE REQUIRED. ENCLOSED REQUEST FORM

12-10-2006 POSTED LETTER REQUESTING DETAILS OF CHARGES:

FAXED REQUEST FORM

13-10-2006 CHEQUE WITHDRAWAL BRADFORD SAVINGS O. £10 STATEMENT FEE

02-11-2006 RECEIVED A SIMILAR WORDED LETTER FROM ABBEY, STATING INFORMATION REQUESTED IS NO LONGER HELD ON THEIR SYSTEM, THEREFORE ADMINISTRATION FEE REQUIRED. ENCLOSED REQUEST FORM

THIS LETTER STATED THEY HAD RECEIVED MY LETTER DATED 11TH OCTOBER 2006 AND RECEIVED ON THE 18TH OCTOBER 2006, DESPITE TAKING THEIR FEE ON 13-10-2006

DECEMBER RECEIVED PRINT OUT OF STATEMENTS, SOME MONTHS MISSING BUT HAVE ORIGINAL STATEMENTS OF THESE

19-02-2007 FIRST REQUEST FOR CHARGES TO BE REFUNDED

AS YET UNSIGNED (ROYAL MAIL INVESTIGATING)

28-02-2007 RECEIVED A LETTER FROM ABBEY, PROMISING TO INVESTIGATE

ENCLOSED: COMPLAINTS LEAFLET

05-03-2007 SECOND REQUEST FOR CHARGES TO BE REFUNDED

27-03-2007 RECEIVED LETTER FROM ABBEY STATING THEY NEED MORE TIME TO INVESTIGATE MY COMPLAINT

NOTIFICATION THAT AN UNAUTHORISED DEBIT CARD PAYMENT HAD CREATED ANOTHER CHARGE

30-03-2007 ABBEY REFUNDED NINE CHARGES, TOTALLING £280 UNDER MISCELLANEOUS

FEE REFUND

31-03-2007 RECEIVED LETTER FROM ABBEY DATED 29TH MARCH 2007. THE NINE REFUNDS

WERE ‘A GESTURE OF GOODWILL’ AND THAT THE CHARGES DID NOT CONTRAVENE THE UNFAIR TERMS IN CONSUMER REGULATIONS 1999

02-04-2007 WROTE TO ABBEY STATING I REGARDED THEIR ‘GESTURE OF GOODWILL’ AS A

PARTIAL PAYMENT AND DO NOT ACCEPT THIS PAYMENT AS A FINAL SETTLEMENT. I ALSO STATED THAT AS A RESULT OF THEIR RESPONSE I WILL BE FILING A COURT APPLICATION TO HAVE ALL CHARGES AND COSTS AND INTEREST REFUNDED MINUS THEIR ‘GESTURE OF GOODWILL’.

N1 FORM COMPLETED AND FILED FOR £1541-92 + INTEREST

COURT COSTS £ 120-00

TOTAL £1661-92 + INTEREST

07-04-2007 ANOTHER LETTER ACKNOWLEDGING MY COMPLAINT

17-04-2007 ABBEY FILED ACKNOWLEDGEMENT OF SERVICE

30-04-2007 RECEIVES ABBEY’S DEFENCE

16-05-2007 RECEIVE LETTER FROM THE COURT DATED 04-05-2007 STRIKING OUT THE INCOMPLETE DEFENCE

21-05-2007 BANK HAD UNTIL 25-05 2007 AND BY 4PM TO FILE NEW DEFENCE. CONTACTED THE COURT AND WAS TOLD TO CALL BACK ON 30-05-2007 DUE TO PUBLIC HOLIDAYS

30-05-2007 CALLED SOUTHEND COUNTY COURT: BANK HAS FILED NEW DEFENCE

06-06-2007 CLAIM STAYED UNTIL 27TH JUNE 2007

29-06-2007 RECEIVED FROM THE COURT

UPON THE COURTS OWN INITIATIVE

TAKE NOTICE THAT THE ALLOCATION AND CASE MANAGEMENT CONFERENCE WILL TAKE PLACE ON 25TH JULY 2007 AT 14:30PM

AT SOUTHEND COUNTY COURT, TYLERS HOUSE, TYLERS AVENUE, SOUTHEND ON SEA , ESSEX SS12AW

TO BE HEARD BEFORE DISTRICT JUDGE DUDLEY

WHEN YOU SHOULD ATTEND

PLEASE NOTE: THIS CASE MAY BE RELEASED TO ANOTHER JUDGE , POSSIBLY AT DIFFERENT COURT

has anyone any views

the clarke i spoke to said not to bring anything but i will be bringing all doc i have with have you read http://www.consumeractiongroup.c o....managment.html its a very good read just what we need nice to no i am not a lone

thanks for the nudge ill take a look now:)

im in court at 2.30

hopefully i can let you now what happens or what to expect

from this i gather the hearing will last about half an hour iwas told to take my file but no specific requests for paperwork how about you

inamuddle

what time was you allocated on the 25th july 2007

if any one else has this date plz post

i have received my letter for southend court to attend on 25th july 2007, yesterday and i have to attend at 2.30

kia is spot on all should read icy's thread

have read it myself and at this moment in time i am composing a n e-mail to negotiate a settlement with shabby

i beleive icy's right when he has shown the courts that he has tried to reach an amicable solution with the shabby and hope this would be taken into account by the courts if shabbey refuse to settle.

good luck to all who has to attend southend court and remember to pass on the experience to encourage others to continue.

remember help is always available here

mickyn

thanks kia

youve been a great help again, keep up the good work

mickyn:)

hi icy

just read your thread after a nudge from kia, learnt a great deal and i am now up for the fight

you fight a good fight and i wish you all the best

mickyn:)

i havn't received my letter yet, so i phoned the court and was told that i was to attend on 25th July 2007 for a allocation and management meeting.

anyone else got this date.

i have read threads on her relating to inga, i am guessing some of you have this as a contact for negotiating a settlement.

Could i try this? and can someone provide contact details plz:)

thanks

i have an allocation hearing/case management conference at southend on 17th july can you tell me the outcome of your hearing

thanks barracad. any particular reason why

and does not having sufficient fund constitute as "a missed payment" and doesn't the bank add defualts on my credit rating

can reclaiming bank charges have any effect on my credit rating

spoke to a workmate today who has advised me that he has been told that claiming can have an adverse effect on my credit rating

any comments please:?

mickyn

many thanks kia

youve been most helpful:)

I KEEP READING ABOUT AN AQ IN THREADS, WHAT IS AN AQ AND WHAT DOES IT DO:confused:

i have found on cag that a number of claims have been stayed at southend for 27th june so district judge can spend the day reading all cases

ps. i have also read of an AQ, what is this?

can any one help please:confused:

i was also given the 27th of june as a hearing date at southend as soon as i hear anything i will post response. with all these cases the judge must surely accept the charges are unfair

i have called this number 05600754379 twice and a recorded message states that the call is being diverted and then goes onto bt 1571

ive read on this site that i can find who telephone me by typing the number into google

can anyone supply any information about this8)

looking for the letter so i can scan it and post it for all to see. it around somewhere

THE LETTER DID NOT CONTAIN DETAILS OF THE ACCOUNT ONLY MY NAME CAN I STILL COMPLAIN

i have just receied a letter from cabot addressed to the occupier asking if i live at this address as the are eager to find my wherabouts

i have lived at this address for a decade and can only assume it is about a c/card i have had previously that had a small balance outstanding several years ago

is this legal and what advioce can anyone offer

Thanks Belaflat, that is what I am hoping may happen, I would just like to see first if the CCA is present and correct first, for obvious reasons!

im new to this what is the obvious reasons:idea:

many thanks rory32

i will get the sar off straightaway

thanks rory32

has anyone got cap one's address so i can sar them please

any help will be most appreciated:)

hi all

my wife has a small debt through cap one credit card which is around five or six years old

i am sure that most of the debt is charges and wish to SAR cap one to be sure but unfortunately my wife has no account number to refer too

has anyone got any suggestions to overcome this problem and has anyone got cap one's address

been reading through all threads relating to lowell and have already cca them and received their standard response today

great site and keep up all the great advise so the greedy dca are made to suffer:grin: