Thanks for all your help. Have read through the T & C's and nowhere does it say that if you don't pay your Elec etc before you arrive the holiday will be cancelled, but it does say that you should receive a cancellation notice if they do. Also the info regarding payment 8wks before arrival is on the back at the bottom of the T & C's. Off to find their head office address to write a letter of complaint. L

Would like to know the legalities of the following. We had booked a Sun £9.50 holiday to go to Berwick in the Oct break. Phoned today to pay for power charge etc, to be told our holiday was cancelled on the 26th Aug as we hadn't paid this 8wks before as per the booking confirmation. This is different to last year when I paid 2wks before! I asked why a reminder had not been sent and was told that it was not company policy , again diff from last year. Was told that there was a phonecall on the 26th, but there was no message on my machine. Asked why have I not been sent a notice of cancellation, was told that it was up to me to find out the holiday had been cancelled! I was told that if there had been availability my holiday would be reinstated but as there is not they won't. Should I have received a reminder or a cancellation notice? I know I should have paid the 8 wks before but I thought I had when the confirmation came in and then it has slipped my mind. Hope someone can help.

Just to let you know the £80 charges for going over my od limit by £13.49 have been returned. Thank you all very much you have all been a great help. I am still going to go for the rest of my charges and when I have real money rather than od money I will donate to the site as it definately was knowing the right words to say that got me my money back. Cheers

Thanks for all your help. Checked my account online today only to find that the £80 has been returned! Yippee! and yes when I have got real money and not od money I will donate to the site as you have all been a great help. I am still going to follow up the other charges as well. Once again a great big thank you.

Cheers

Thanks Stevokenevo, you are the person from EK I was talking about. I have put the Scottish procedure into my favourites. Are the prelim/LBA letters one and the same or 2 different letters that are sent 14 days apart? Also I noticed on other threads that other pepole were just asking for a list of charges over the last 5 yrs rather then the whole thing. The list of charges would save me having to trawl through statements but if the whole thing is the better way to go then I will do that. Cheers for all your help.

Hiya Nathal, Thanks for your input.On the Scotland page( go to general and then you will find this ) the Govan Law Centre have supplied information with regards to the Scottish system which is what I will be using. Also as I am in Scotland through reading posts on here I understand that you can only go back 5 yrs. Hope that helps.

Have read all the bits I think I am supposed to and would like to ask some questions before I start the procedure. I understand that Scottish and English law is different and although my bank is the Abbey I am going to follow Scottish law insted of travelling. My questions are this Which letter of S.A.R - (Subject Access Request) do I use the one from the library or the one from the Govan Law centre? I would prefer to use the one from the library as the Govan one is confusing to me. Once I have handed in the S.A.R - (Subject Access Request) at my branch and obtained a receipt they then have 40 days to send out the last 5 yrs accounts. Using the spreadsheets provided by Vampiress (thanks) I then work out what my charges have been. Once I have done this I send the prelim letter for refund along with spreadsheet? and allow 14 days for a reply. After this date send the LBA and another copy of spreadsheet? and wait a further 14 days. I think it is at this point the Scottish and English law split, am I right in thinking this? I am then off to the courts if there has been no luck by then and can use the advice can by Scotia in the thread Scottish procedure. Sorry if I am repeating information already here bit I have spent the last week reading all the info and my head is now mince. Someone from East kilbride replied to one of my earlier threads with all the Scottish links on it, I can't find my thread or the EK user. I will post in the Abbey forum once my S.A.R - (Subject Access Request) has been handed in to keep a track of everything. Once again thanks for all help. I have been told to post this here also as you will be aware of all the tricks that they use.

Thanks for that.Glad I am beginning to see the light at the end of the tunnel

Thanks for all your help. I have contacted branch and mentioned that the OFT had said these charges were illegal and that we couldn't afford to pay as I was on mat leave and would be shutting down my account depending on their answer. Got told as I had been sent a stalemate letter there was nothing they could do for me and they were sorry I was shutting down my account. Went into the branch today to put money in to cover the charges and I am now worried that we will incur extra charges as the money was not put in 24hrs before but only today just after 10 when the charges are due to come off tomorrow. Seems we are now falling into a pit that in our current economic climate we might not recover from for a while. I am in the process of moving money around so I can pay of od and then shut the account. I have posted in the Scotland forum as to what I understand the process to be. I am confused by the whole thing but I am determined to see this through as I had had enough.

Have read all the bits I think I am supposed to and would like to ask some questions before I start the procedure. I understand that Scottish and English law is different and although my bank is the Abbey I am going to follow Scottish law insted of travelling. My questions are this Which letter of SAR do I use the one from the library or the one from the Govan Law centre? I would prefer to use the one from the library as the Govan one is confusing to me. Once I have handed in the SAR at my branch and obtained a receipt they then have 40 days to send out the last 5 yrs accounts. Using the spreadsheets provided by Vampiress (thanks) I then work out what my charges have been. Once I have done this I send the prelim letter for refund along with spreadsheet? and allow 14 days for a reply. After this date send the LBA and another copy of spreadsheet? and wait a further 14 days. I think it is at this point the Scottish and English law split, am I right in thinking this? I am then off to the courts if there has been no luck by then and can use the advice can by Scotia in the thread Scottish procedure. Sorry if I am repeating information already here bit I have spent the last week reading all the info and my head is now mince. Someone from East kilbride replied to one of my earlier threads with all the Scottish links on it, I can't find my thread or the EK user. I will post in the Abbey forum once my SAR has been handed in to keep a track of everything. Once again thanks for all help.

Hiya, I was wondering if anyone can help me draft a letter to the above about my charges that will be applied on the 3rd Nov. I have phoned my brach and Head Office and have been sent a stalemate letter and in order for charges to be refunded I need to write to the ombudsman . I have looked at the library and there doesn't seem to be one to fit me. Anyone help before my blood pressure goes through the roof. L

Thanks for the advice I have already phoned Customer services and was offered £30 of the £80 back , so £50 for going £13.49 od still not fair. Reckon I am going to go down the claiming it all back route but is there anywhere on the site that will give you info on the Scottish system? if I have got it right I ask for the past 6 yrs statements, do I send the £10 with the request or wait till I am asked? Do I start the 40 days from the date of the 1st letter or when they ask for the £10? Sorry I am confused by this have read the Faq's etc but I am determined I am going to do this. Might even get my eternity ring out of it!

Hiya I am wondering if anyone can help. Sorry this story might get complicated but please bear with me as I have had enough and am making a stand! We bank with the Abbey (aka Scabby in our house as we hate them so much but that is another story). When I got this months statement in I noticed I was being charged £80 for going £13 overdrawn on the 2nd Oct £20 for going over od limit By £1.49, £30 for paying a DD of £10 that took me over my od limit by the above amount, and a further £30 for another £10 DD taking me £11.49 over and then £1.88 for interest charged while account overdrawn taking me to £13.49 od. I phoned the bank and claimed that £80 was a ridiculous amount and would like the charges dropped. Now here is the rub due to no fault of our own and a business that we had used to fix our pram £499 was taken from our acc last month by "mistake" (banks and business' word not mine I would have said stolen). After a lot of toing and froing by my hubby (joint acc) all our charges were refunded, we are now getting this thrown in our face and told well you had £140 charges refunded last month so we can't refund any more! We got told a note would be put on our acc with words to this effect. After being passed about and having to explain the mistake/stolen money every time I was offered a refund of £30 which I declined as £50 is still way too much.I did offer to pay £20 as I do accept that we went over od but nothing was ever mentioned about it when I was passed around, have I shot myself in the foot? I then got passed on to their complaints dept who today have sent me a letter saying that all they are offering is the £30 refund and if I don't reply in 8wks time they will assume everything is resolved and will close the file. Another thing that happened this month is that I wasn't paid. I am currently on mat leave after having two gorgeous girls in March. I had forgotten to send back my return to work form resulting in no wages being paid in Sept. If I had returned the form I would have been paid(currently signed off as I am absolutely shattered running around after 3 under 3) and we wouldn't be in this mess.Got my wages sorted and once all Childminders and other bills were paid, deposited the rest of my wages on the 4th. Have also explained this to the bank. I am currently on the process of shutting down and paying off the od on that account and going elsewhere. I think that is everything, so if you have got to the bottom of this post,thanks. Where do I go from here? Is there a copy of a letter I can write on here? If I shut down the acc before the charges take place (3rd Nov) will they chase me or give up? All help gratefully received. Liza

Hiya I am wondering if anyone can help. Sorry this story might get complicated but please bear with me as I have had enough and am making a stand! We bank with the Abbey (aka Scabby in our house as we hate them so much but that is another story). When I got this months statement in I noticed I was being charged £80 for going £13 overdrawn on the 2nd Oct £20 for going over od limit By £1.49, £30 for paying a DD of £10 that took me over my od limit by the above amount, and a further £30 for another £10 DD taking me £11.49 over and then £1.88 for interest charged while account overdrawn taking me to £13.49 od. I phoned the bank and claimed that £80 was a ridiculous amount and would like the charges dropped. Now here is the rub due to no fault of our own and a business that we had used to fix our pram £499 was taken from our acc last month by "mistake" (banks and business' word not mine I would have said stolen). After a lot of toing and froing by my hubby (joint acc) all our charges were refunded, we are now getting this thrown in our face and told well you had £140 charges refunded last month so we can't refund any more! We got told a note would be put on our acc with words to this effect. After being passed about and having to explain the mistake/stolen money every time I was offered a refund of £30 which I declined as £50 is still way too much.I did offer to pay £20 as I do accept that we went over od but nothing was ever mentioned about it when I was passed around, have I shot myself in the foot? I then got passed on to their complaints dept who today have sent me a letter saying that all they are offering is the £30 refund and if I don't reply in 8wks time they will assume everything is resolved and will close the file. Another thing that happened this month is that I wasn't paid. I am currently on mat leave after having two gorgeous girls in March. I had forgotten to send back my return to work form resulting in no wages being paid in Sept. If I had returned the form I would have been paid(currently signed off as I am absolutely shattered running around after 3 under 3) and we wouldn't be in this mess.Got my wages sorted and once all Childminders and other bills were paid, deposited the rest of my wages on the 4th. Have also explained this to the bank. I am currently on the process of shutting down and paying off the od on that account and going elsewhere. I think that is everything, so if you have got to the bottom of this post,thanks. Where do I go from here? Do I send one of these LBA letters? As Isaid on mat leave and very easily confused by the real world. Is there a copy of a letter I can write on here? If I shut down the acc before the charges take place (3rd Nov) will they chase me or give up? All help gratefully received. Liza PS just had a thought I have not actually paid these charges yet do I need to then claim them back?