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Karish

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Everything posted by Karish

  1. Delboy, You have made a good choice. The help and support that you get from this site is fantastic. Dont forget to read the FAQs and some of the longer threads you will find it really useful. Good luck with your claim Karish:-)
  2. Karish

    Karish v Abbey

    Hi everyone, I am in the process of moving my business over to me Natwest account. I have an overdraft on my account. I am not quite sure what to do about the overdraft. I cannot afford to pay it off as it is over £1000 so the question is do I a. Try to make an agreement to pay it off before I lodge my claim for a refund. b. Leave it and claim that the account is in default when Abbey ask me to repay c. Take out a loan to cover the payment knowing that the refund will cover the overdraft payment in full and then reapy the loan when I get the refund. I understand that I can claim that the account is in default but some threads are indicating that Abbey are being extremly heavy handed in these cases and I really do not want a default logged on my credit file even though I know I can ask the judge to have it removed as part of my settlement. Your thoughts would be greatly appreciated :o :o Karish
  3. Karish

    Karish v Abbey

    Thats great. Thank you. I will get to work on my calculations this weekend. Karish
  4. Hi, I agree with philread1. You will be better off when you set up a parachute account. Applying on line with Nat West for a Step account is relatively painless. I am in the process of doing this and have had no problems so far. Good luck Karish:)
  5. Karish

    Karish v Abbey

    Hi Folks, I have not posted for a while as I have been waiting for my statements. I was expecting a battle and have been surprised as I am now in posssession of my bank statements for the past six years. They have been sent to me well within the forty day deadlibe which expires on 19th December. I have been trying to access the vampiress spreadsheet to start completing the calculations for my claim but I dont seem to be able to access any spreadsheets can anyone help me with this? Thanks;)
  6. Karish

    Karish v Abbey

    Today I received 11 months statements plus a copy of the letter with Abbeys microfiche excuse. I have used the template letter telling them that I am aware that microfiche is relevent filing system and that they now have 22 days to comply with my request. I will be sending it recorded delivery tomorrow. I have calculated the last eleven months charges and it currently adds up to £685. I did not realise that it was so much. Is there anything else that I can do to prepare myself for the next stage whilst I am waiting for the rest of my statements?
  7. Try reading Puffa thread that was posted this evening. There is a section on it about Abbey and the microfiche arguement. Also there is a template that you can use. Also if they do not send you the information within the 40 days there is another letter in the templates section that you can use. Having read different peoples threads I have seen that this is definately one of their delaying tactics. Hope this helps.
  8. Thats fantastic news. Congratulations:D . You have really really inspired me to keep going. I have not received my statements yet but I will remember your thread if I ever feel like giving up.
  9. Karish

    Karish v Abbey

    Hi, I have confirmation that Abbey have recieved my SAR form. I know that they have 40 days to respond. As we all know they will use stalling tactics. Shall I contact them to confirm that they are going to provide me with the information. I thought a little nudge would not hurt. Or shall I wait a bit longer? Also is it best to call, e mail or write. I have picked up the contact telephone numbers for customer services complaints and Dawn Hoyle head of Customer satisfaction from this site. P.S. Its good to see so may people having success.
  10. Thanks for such a quick reply. Karish
  11. Karish

    Karish v Abbey

    Opened my parachute account today. I looked at the threads and decided to open a NAT West Step Up account. There was no problem opening the account. I will be moving my direct debits, salary etc over in the next week or so. At last I will re-gain control of my money:grin:
  12. Where can I view a copy of last weeks daily mail article about bank charges? When was it published?
  13. Hi, I have been reading different threads for a few weeks now and a lot of people are moving forward and claiming a full refund. Thats what I will be doing when I reach that stage. I dont think that I have got anything to lose.
  14. Thanks very much for the information. I will sort this out in the next few days.
  15. Thanks. If I open an account and move my salary and my bills over will they penalise me? Basically. I know the charges that I am reclaiming will cover the cost of my overdraft but I dont want to be disadvantaged if the banks says I have moved my money and not paid off my overdraft. From reading the threads they cannot default me if my account is in dispute also if I offer to pay a certain amount to repay the overdraft in the meantime then they have to accept my offer. Have I interpreted this correctly? Karish
  16. I was wondering has anyone been in the position of having an overdraft facility and Abbey has taken away the facility without giving notice? I am a little bit worried that this could happen and then I would be stuck financially for the month. :shock: Do I move my salary and my bills to my parachute account now? Looking forward to hearing from you guys.
  17. Karish

    Karish v Abbey

    I was wondering has anyone been in the position of having an overdraft facility and Abbey has taken away the facility without giving notice? I am a little bit worried that this could happen and then I would be stuck financially for the month. :eek: Do I move my salary and my bills to my parachute account now? Looking forward to hearing from you guys. p.s. Have I added to my thread correctly. I am not very PC literate. Karish
  18. Karish

    Karish v Abbey

    I sent my S.A.R. by recorded mail today. I will await Abbey's response.
  19. Karish

    Karish v Abbey

    Hi All, I just wanted to let you all know that I checked my account yesterday to find that Abbey had charged me £50 for going over my overdraft limit. I called them straight away and told the customer services assistant that I was calling about the charges that they had applied. He looked at my account and then told me that he was going to refund the charges in full. I did not even have to argue the point with him. This is the second time that I have called and they have refunded the charges without me having to actually ask them to do it. I intend to call every time I am charged until I complete my claim. I will be sending off my SAR on Monday.
  20. Karish

    Karish v Abbey

    Thanks for the advice.
  21. Karish

    Karish v Abbey

    I have read the FAQs and spent a few days reading threads and getting used to the process that you have to go through when you make a claim against your bank. I am confident that I am prepared to take this all of the way to the courts if I need to. I would like to purchase the small claims kit and the small claims practical guide but I am having problems buying through this site. I will be opening my pararchute account this week. Should I phone Abbey first? and Is there anything else that I need to do before I send my first letter? From what I have been reading Abbey are going to give me a hard time but I am prepared for the battle. Any other helpful advice would be greatly appreciated. :o
  22. Karish

    Karish v Abbey

    Thank you for that info.
  23. Hi. Can anyone help me with this I am just reading through the guide to claiming your money back and the frequently asked questions. If I understand correctly It would be best to close my account before proceeding. I am a little bit worried about closing my account as a) I have a large overdraft and b) I am not sure if another bank will let me open an account when they see that I have an overdraft. Has anyone else been in this position? And can anyone recommend a bank to open an account with? Any advice would be greatly appreciated:-)
  24. I know there is a lot of information. I am at the same point as you. I am going to have to read things in small chunks but I will get there. Let me know how you get on.
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