help needed fighting abbey

[wushutel]

hi everyone...i have been trying, as we all are, to get back charges from abbey.they took nearly£500 in three months forceing me well over my od limit and worst of all out of my flat coz i could pay the rent!... to cut a long story short i wrote to them three times, latly to give them 14 days to come up with a "solution" ie my moneyback...firstly i was ignored, then got delaying" we are looking into it" letters ect. In between all this the oft/bank case went to court.Then i was told in a letter there would be no refund as they belived the fees were fair. i opened a parachute account, stopped using abbey and now have been asked for return of my card and repayment of 1200 overdraft! I have not been to the court yet as i have heard that because of the oft/ bank case is on hold...what should i do now? i am thinking should i write to the ombudsman or what? this is really stressing me out.

[Rooster-UK]

I suggest that you spend a few days reading the FAQs and the step by step guide in the library section.

That will answer most of your initial questions.

Open your own thread in the Abbey Forum and post your questions and progress reports there.

This is a self-help forum. All the info you need is here, but you have to do the reading yourself.

 

Regards, Rooster.

[muggins73]

Might find this useful

Send this letter if the bank or DCA threaten court proceedings:

—

ACCOUNT NUMBER: XXXXXXX

 

Dear Sir/Madam,

I refer to your letter of **/**/**, in which you advise of your intention to issue court proceedings with regard to the outstanding balance of my current account overdraft.

As you are aware, this account and the balance thereof is currently subject of a dispute. I can only assume your letter has been sent in error, as you must surely be aware that action such as that you propose would constitute breaches of the banking code. This matter has been discussed in correspondence with your clients ********* department and on **/**/** I received a letter from ********, which acknowledged no such action should be taken on a disputed account and did in fact apologise for previously suggesting otherwise. A copy of the correspondence to which I refer is enclosed for your reference.

Additionally, this action you propose is clearly quantifiable as retaliatory due to my own claim against your client to recover unlawfully levied penalty charges. To proceed as you have indicated would therefore be contrary to the statement of the Financial Services Authority of 6th July 2006 in which it ruled such action to be discriminatory. I also believe this action to be tantamount to a sanction imposed merely for pursuing my legitimate right of seeking a judgement from a court.

I trust your client is committed to upholding the standards of the Banking Code to which it subscribes, and would not hold its regulator, the FSA, in such contempt as to ignore its 6th July statement.

I will allow you 7 days to reply to me, in writing or by Fax only, withdrawing the threat of action imposed in your letter of **/**/**. If you do not do so, I will draw your client’s transgressions to the attention of the Financial Services Authority and the banking code standards committee, by making formal complaints and enclosing copies of all recent correspondence.

I look forward to your prompt response.

 

Yours faithfully

 

I went through pretty much of the same with NatWest, and am about to go through it all again with Abbey, so good luck with it all.

 

 

Important note to moderators/ site helpers

I've read somewhere and am therefore aware that you are trying to refrain from posting templated letters live on threads at present. I assue you that I tried to copy the link location and it kept coming up as an 'error' message. i apologise for any wrong doing.

[wushutel]

thanks for that, i feel much better now!

[muggins73]

Glad to help:)

[macushlamoon]

Hi guys ... the abbey has done the same here.... the account has been passed to DCA, whilst the claim for charges has been stayed.....

 

sent a letter similar to the above.... now awaiting a reply

[muggins73]

Hi guys ... the abbey has done the same here.... the account has been passed to DCA, whilst the claim for charges has been stayed.....

 

sent a letter similar to the above.... now awaiting a reply

 

Hi macushlamoon,

 

I've notice that all your posts are within the welcome forum, it will be a good idea to start a new thread in the abbey forum so that we can best monitor your progress and give you any help and advice a lot easier:)

 

In the meantime, good luck with it all and keep us posted.

[wushutel]

hi everyone....thought i should start a new thread instead of messing up the welcome page....had a couple of very helpfull replies but there is an issue thati forgot to mention and i think is important, maybe not...

 

.i have been trying, as we all are, to get back charges from abbey.they took nearly£500 in three months forceing me well over my od limit and worst of all out of my flat coz i could not pay the rent!... to cut a long story short i wrote to them three times, latly to give them 14 days to come up with a "solution" ie my moneyback...firstly i was ignored, then got delaying" we are looking into it" letters ect. In between all this the oft/bank case went to court....in amongst all this i had to move house and told abbey via one of thier official forms and handed it to the bank.Then i was told in a letter, that was forwarded to me.. there would be no refund as they belived the fees were fair. i opened a parachute account, stopped using abbey and now have been asked for return of my card and given me 28 days to repay the £1200 overdraft! I is obvious that they have not registered my new address,and they sent these letters to my old address so have given me no chance to respond !! i moved in july and i think they are being very crafty or is it me being paranoid..i cant believe they can loose such a form..I have not been to the court yet ...but i am writeing a letter as advised on this forum stateing that they are discriminateing me etc..has anyone else had this done to them and is there anything in the wording that i should say? .

[wushutel]

just worked out that they have had £945 in charges in just one year..on my £1000 overdraft ! .thinks i should get my N1 claim form sent in straight away

[wushutel]

...do i add the interest they have charged to my claim?

[Camdenite]

Hiya, Without sounding to blase about it. File the N1 and sit back and wait for them to respond. Everything is in limbo at the moment due to the test case, but it may end up moving sooner than you think. Either way, they'll do nothing due to the way things are at the moment.

 

A filed N1, will at least put you further up the queue when they do start paying out.

[wushutel]

thanks, got an n1 today and will send an Lba too giving them 7 days as they have mucked me around now for 3 months. starting to get my head round it all now ..will keep you all posted

[Lula]

dont forget to add the interest and complete a schedule of charges for the bank. while you are waiting you could ask for all your statements going back 6 years and then amend your claim to incorporate all the charges.

[wushutel]

yep, will do, fortunately i have all my statements since account opened.

will keep you all posted, thanks

[wushutel]

quick question to anyone!....for the poc bit on the N1 form, do i add it on a seperate sheet or does it have to be written on the form by hand?

[bluewillow07]

I copied and pasted mine.

[mactheknive]

keep on reading the site..i got almost £10k from abbey but be wary of ombudsman?? im busy doing lloyds over 6 years and their not keen so im using limitations act as evidence of concealment but you must start swotting up..no pain no gain..also mbna £5k and al&liecs £5k all paid back!! not bad eh..it can be done..try ombudsman they are doing some cases if they see fit good luck

[livelylad]

Threads merged.