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Found 24 results

  1. I have just joined the Community here for your thoughts and we thank you in anticipation of any help you may give. We had a questionnaire from Abbey Life regarding enhanced annuity. They state on the bottom of the letter with the enclosed questionnaire - 'Abbey Life did not offer enhanced annuities, but one may have been available to you from another provider if you were eligible, and therefore you may be due compensation.' So we wrote to them saying we consider we may have been entitled to an enhanced annuity via an Independent Financial Adviser. (They do say this question
  2. Hi, need some advice if possible its for a friend of mine, she filled in a form for a credit card back in 2001 filled the form in and post it back to the abbey national and in the form she ticked the yes box for the personal protection cover, she filled the form in the branch, now she tried to claim misold ppi but they have refused her twice as they claim by ticking the ppi box she understood it was optional and it was her decision to purches the ppi,, they also claim they sent out policy documents which confirmed the ppi sale and even if this had not happened they still
  3. Hi, I took out a mortgage with Abbey National in June 2003 and I was advised by the in branch adviser that it would be wise to take the paymentcare policy with the remortgage and additional loan which was added to the mortgage. I have been paying this every month at a cost of £52.55 - which by my calculations means I have paid £9511.55 to date. My issue is that I didn't actually require this insurance at the time of remortgage but the adviser stressed that it would be "very helpful" to my application. Wishing to get the loan agreed I took the paymentcare insurance ou
  4. Good Morning I have been paying a debt management plan to payplan for over 10 years, following advice from this forum for which I am soooo grateful for I have sent CCA's off to all my creditors and awaiting responses. My abbey overdraft has been sold onto Cabot, I understand that I cannot sent a CCA. The last payment to them on my debt management plan was Dec 17. The balance is £588.19 What is the best way to proceed with this, should I send a SAR or set up a payment plan direct with them, are they likely to accept a F&F? Thanks for your advice/help in advance
  5. Hi I am looking for a little advice on how I should deal with a very old Santander (Abbey National) overdraft. Many moons ago (2007 – 2009) I had an Abbey account with a £3k overdraft, which despite me having my salary paid into this account, they decided to withdraw the facility giving only one months’ notice. (I believe this was the annual account review and my credit file had some adverse records on it). I was forced to move my salary and setup DD’s in another bank quite quickly and wasn’t in a position at the time to clear the overdraft. During the t
  6. Hi All, looking for some info... I just had a call from one of these PPI Co's...telling me I could have been mis-sold PPI type insurance on my old mortgage, which is paid up... I was fairly sure I had not been, but I did wonder and thought maybe I should check it out and though I accept I do remember having a PPI policy, just did not really believe it was mis-sold, but I do not remember if they told me I was obliged to have it, like some people were told. Anyway I told them (The PPI Claim Co) I would check it myself, partly because I wasn't sure whether I had any case and partly
  7. Hi Can someone point me in the direction. Had a loan and credit card with Abbey National about five and a half year ago and would like to check if I had PPI on the loan, paid off the loan early after 1 Year, would also like to check credit card to see if I had PPI on that as well, was going to do a SAR but not sure how to go about it or who Imake the cheque payable to . Any help regarding this would be gratefully appreciated.
  8. Hi, I didn't realise that I need to get my mortgage company's permission to let my property, and I'm on the amazing 0.49% tracker mortgage from Abbey which I converted to around 2006 or 2007. If the T&C's mean that I might lose the 0.49% deal if I let the property, then I'd have to consider moving back in before Santander notices, so I don't want to ask Santander for a copy. I've Googled for a copy on the net, but can only find extracts from section 13.6 about the 3% collar. From this I know there is a 2007 reprint of the T&Cs. Please can someone more organised than
  9. Hi, this thread is to deal with the Abbey Credit Card which is part of my bigger debt problem found here, it explains how I got in this position and the overall debt mountain involved: http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP I sent a CCA request to Arden on the 16th June and have heard nothing from them. Then I have received the other letter from Earlswood. I did send it recorded delivery but cannot find the slip with the tracking number, I have a stack of others! Any suggestions? Do I send the CCA again?
  10. Probably clutching at straws. I had an Abbey Loan prior to May 2000. I know it had PPI but unfortunately I have no details. I do have the number of the loan taken in 2000 which part was used to pay off the previous loan which had the PPI on. Abbey are saying they can only find one loan. I have asked my bank if they can help with anything showing the payments but too old. Surely if they have the other loan then they should be able to see how it was dispersed which will give them the details of the other loan. Is there anything I can do ???
  11. Hi, I don’t ever remember joining CAG but stumbled upon it again recently – wish I’d known about it years ago, the information and support I’ve seen here are amazing. I’m looking for some debt and DMP help, and would really appreciate people’s ideas and advice on my position. It’s grown pretty long but wanted to get down everything, so to anyone who reads it all a BIG THANKS! I have had a DMP since 2007 and would like to get these debts cleared off because they’re such a drain, but haven’t been able to contribute that much so the total is still big. I did try for an IVA originally
  12. Dear All, I was wondering whether anyone might have a copy of Abbey's Standard Mortgage Conditions booklet edition 2006 (printed December). Thank you
  13. Hi, I was sold mortgage payment protection insurance. I feel that I was missold this as my employee benefits from my firm were sufficient and the Abbey/Santander insurance was an unnecessary expense. Please could someone tell me how to get this sorted. Should I contact Santander directly and just complain to them? Many thanks
  14. Hi everyone received a letter from Equidebt demanding nearly £1800 for a very old Abbey National debt. To be honest i'm not sure if it's an old overdraft or loan from when i worked for them. It's def SB i left them in 2001 & never heard anymore from them & haven't changed address. Do i just ignore equidebt's letter, or reply with a SB one. Thanks
  15. Abbey for Intermediaries is launching another seven day special where it will offer a two and a half-year fixed rate at 1.99 per cent. It is available from Friday, up to 60 per cent LTV for a £1,495 fee and is on offer to both homebuyers and remortgagers until the close of business on 14 March. The maximum loan size is £1m and is available exclusively through the lender’s key accounts. Abbey managing director Miguel Sard says: “Our latest seven day special has a market leading rate of 1.99 per cent and also comes with the added benefits of our homebuyer or remortgage solution. Available t
  16. Hi, I have been sending various SARS and PPI Claim forms and started receiving some back. This thread is about Abbey, First National and Wagon Finance who are all part of Santander. I sent them a SAR request but they have written back (having cashed the £10 cheque) stating that they are unable to locate any details on me for any of these fiance companies. ("Santander are not obliged to comply with your request unless you have provided enough information enabling us to locate your data"). As I provided them with my DOB, all relevant addresses and current address I am un
  17. Hi, OK, my Barclays claim is well underway, now I'm going after Santander. I've had a mortgage with them since '97 (Abbey in those days) with a £4.80 monthly insurance payment to Royal London. Couple of litle questions here, 1) Do I submit my claim to Abbey/Santander who sold me the insurance, or to Royal London, who are the recipients of the money? 2) Which is the correct spreadsheet for this? Many Thanks
  18. Many years ago a friend paid into a private pension for a couple of years until times were hard and he couldn't afford it any more. Every year the pension seemed to be worth less and less, and the transfer amount always made it a waste of time moving it. After about 25 years he took the pension as a triviality payment, but now wonders if there may have been some unfair charges which could be worth claiming back. What are the rules on what they could charge? The company was originally Target but over the years this changed several times, finally ending up as Abbey Life.
  19. Hello there I am guessing that you can send an SAR to, say Abbey Life, but can you use the standard letter, tweeking it a bit. I would like to have archived papers. Many thanks. SN
  20. I used to have an abbey account with overdraft - and was sent the letter below. As you can see they were taking my overdraft off me. 10 days later I get this letter as below So I go about my business as usual. Then in december i get about £90 in charges for some card payments with not enough money in acc and interest while overdrawn. Later I find out my overdraught was reduced to £350! Then some D/D's shot me over the new £350 limit. I am pretty sure I told them about the letter saying i have STILL got £600 limit and as far as i can remember i was told it
  21. Hi, I had a bank account with Abbey, which defaulted with me owing approx 1850, mainly due to them paying direct debits with no money in the account and then charging me, anyway the account was passed to westcot credit services, who have I must say been very helpful, and am paying them off monthly. Recently I was awarded Working tax credit, for last tax year, and HMRC, paid the money into this account, as these were the bank details they held for me. Abbey had not returned the money to HMRC, contacted abbey who confirmed the money had been placed into my old, so called closed account, they
  22. I have tried to find a suitable place in the CAG forum to place this article,so I have decided to put it here. With the banks covering their tracks regarding rigging interest rates,money laundering,big pay offs etc. I wonder what Mr Richard Chang knew about Abbey before Santander took over.After an over zealous meeting with an offsite security firm,Mr Chang committed suicide. http://petereyrepatch.blogspot.co.uk/2011/07/pandoras-box-what-happens-when-you.html ---------- PART 3,CONCLUDING PART. http://wikispooks.com/wiki/Richard_Chang Regards,John.
  23. Hello, Any advice gratefully received please: I was made bankrupt in Oct 2012. I only included debt that belonged to me in order to avoid the wife becoming embroiled in the bankruptcy and to keep her credit clean. Unfortunately I received some duff advice and a loan in joint names with Abbey that wasn't included in the bankruptcy now has a default registered against it. This loan wasn't included in the bankruptcy but (and I've now checked the c/a small print to confirm this) because I was declared insolvent the T&Cs of the original c/c weren't adhered to and Santander auto
  24. Hi. I have an 'Abbey Card', that is administered by MBNA. The card was originally issued by N&P if I recall correctly, which was then transferred to Abbey National, who then transfrerred it to MBNA in 2006. I sent in an SAR in April, with a focus on PPI. Yestyerday, I received a package from MBNA, which showed 'the personal details' we hold for you on this acct. It also apologised that due to 'archive retrieval issues', they were unable to provide a copy of my credit agreement. When leafing through the document they did send, it consisted of just a communications log print out.
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