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dave and cath against abbey *13k WON WON WON !!!!*


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YAYYYYYYYYYYYYYYYYYYYYYYYYYY :D :D :D

 

Brilliant news catherinebear!!!!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hi Catherine,

 

Well done for your strength and courage, I have just read all of your thread and it made me cry, twice! When I read your story and when I read the result. Me and my husband are just at LBA stage for £9400 and have just turned down £1257 GOGW. The Abbey have made my life a misery for the last 3 years! You have given me hope! Thanks.

Fiona x

8) FoxyFiona

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Hi everyone

 

Thank you to Fiona for the lovely comments and to all of you who have sent us messages. I am still waiting to hear from DLA Piper about the costs and AQ money am going to tel them today as I am fed up with waiting and want to get this matter settled. When we lost our house by having to sell last October we were luckily given a lovely bungalow in a village by a Housing Association because of my health problems but some 11 months later and we still do not have carpets oh we are so going to have carpets now!!!!

Love to all on the site and a big thank you for keeping our spirits up now we are going to hopefully get the other b............s who have made ours and all you out there lives so b....... miserable!!

Catherine and Dave

xx:grin: :grin: :grin: hey its funny putting a smiley face instead of Mrs Angry!!!

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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WHAT a shopping trip that'll be!!!! Enjoy!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Catherine and Dave, your post bought a tear to my eye this morning (I must be having pmt!) Its lovely to see what a genuine difference this is going to make in your lives, (and in everyone else who goes through this process) not just the money, but the confidence to take control and never to be messed with again, I am so pleased for you both :-D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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What is it wth Women and soft fluffy things eh? :D

 

Lovely to hear the difference it will make....... am genuinely pleased for you and wish you continued good fortune ;)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Congrats.

 

Beating companies and big institutions is possible and very attainable. They will always try to disempower you and make you believe that you can't achieve anything because you are just one person fighting outside your weight division. I think this applies to everything in life ... politics, communities ... believe and you will achieve.

 

The advantage of fighting a corporation is that they only speak one language ... money. That is the essence of their make-up. Making money is all they are designed to do. If an officer of the company thinks any other way then they will be kicked out faster than you can blink. You can exploit that by making it commercially viable for them to settle rather than take a case to court. Many people believe that you can't beat the big boys in the courts, in fact the opposite is true. I think you stand a better chance of beating this guys than you do a lot of smaller fish.

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Congrats to you both. I've only just found the thread but have read from beginning to end. It's brilliant news for you - go and enjoy YOUR money.

 

I'm filing my moneyclaim in the next couple of days. I need to read through everything again, all these 'bundles' documents etc. I can't download most of it because I don't have word or excel, so I need to make sure I fill the claim/soc out correctly (the overdraft interest charges are still bothering me).

 

Anyway. Well done again

Settled at 50%

Clydesdale £155. Should have been £310 charges, plus interest :( Husbands Account.

 

 

SETTLED IN FULL:

MBNA £1230. For Hubby.

Halifax £39.

RBS £342. For Hubby.

Cap One £200.

Abbey:

:D Settled in FULL April 18th 2007. £5179.83 Paid but what a long battle!

:D

COMPENSATION OF £100 ON 14/04/08 FOR CONTINUED HARASSEMENT.

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Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Hi Catherine & Dave, i've just read all your threads, congrats to you both, you so both deserve it.

Im just starting out, the crappy abbey owe me £7500, reading your threads has given me the strength to carry on.

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Hi Conncat

 

Welcome to the site I am glad our story has given you the strength to go on, thats what this site is all about you will make many friends and get all the help you need to take the abbey all the way and get your hard earned money back where it belongs. If we can be of any help please ask. Good luck to you.

lol

Catherine and Dave

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Hello I hope you have success with your claim

 

I have just put in a claim to Abbey for £2759 re excess charges and penalties. They have filed a defence saying they had notified me of their charges which are justified. They go on to say that even if the charges are unfair (which they deny) I would still be required to pay some charge and they would not be liable to repay the charges in full.

I have until the 28th Oct to send back the allocation questionnaire to the court but am not sure what to write. I am not represented by a solicitor.

Should I quote previous precedents where Abbey have lost or not defended claims and where might I find this information.

 

Can anyone help?

 

Tony

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Tony - it's the usual stalling tactic. They say this to EVERYONE! Carry on exactly as you have quoted in your letter - DO NOT allow them to set timeframes. You have TOLD them what you are doing - just do it now.

 

Start your own thread - you will gets HEAPS of help.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Hi Tony

 

Yes they did just the same to us don't be put off they are just using scare tactics but they have done this to all of us we carried on and received settlement offer of £13,200!! rather than disclose the way their costs are managed. Good luck look forward to reading your thread.

Catherine and Dave

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Hi Cath and Dave congratulations I hope I have the same success. I have downloaded notes for completing the form N149 AQ and it says

"accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. I believe this would bring a rapid end to this litigation"

 

Do you think I should include this along with the other information on the form.

 

Regards and thanks

 

Tony

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Dear Tony

 

When you get to the Allocation Questionnaire I will forward to you a copy of what we put on our form with regards to the disclosure, I think this will definitely help you. Good luck.

lol

Catherine and Dave

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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:) Hello everyone

 

Just spoke to Abbey the cheque has been requested and should be with us any day!!! Cannot wait we will be photocopying it and framing it on the wall. Good luck to everyone out there if we can do it you certainly can. Cannot wait to finally put against our name "settled"!

lol

Catherine and Dave

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Well done catherine & dave

I'm not going to say you deserve it cos it was your money all along & like so many of us it has had such an effect on our lives to have had it taken from us at times when it was really needed.

what I will say is good on yer for sticking at it & getting a brilliant result;)

 

Will probably here the cheers over here in sunny spain & may have a glass of vino to wish you a bright & happy future!!!!!:D :D :D

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hello Tony

 

If you want to send me your email address by private message I will send the appropriate sheet to you for adding to your AQ. Good luck do not panic we are all here to help each other.

lol

Catherine Bear

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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