georgie v abbey

[georgie1005]

:confused:help i am new and just started to make a claim against abbey. i have sent the initial letter and they sent the normale response stating i woul dhave to pay more for what i want. i then sent them the second recorded delivery letter asking for a proper response and i am still waiting.What do i do next as now they are getting nasty !!! They have found a 9 year old closed account where i made many attempts to pay but no one could give me a suitbale answer of how to arrange this, and sent it to a collection department demanding all monies in a week or ccj ?? They have put a stop on me transfering monies between my abbey account without me going into the bank and not over phone as i have done so many times before the letters:-x

Finally they are putting a block on my account if they have to return a direct debit!!!

please help what do i do after the second data protection request letter

[bish]

Hi georgie and welcome to the site,

 

Read as many posts as you can on this site as it will give you lots of answers as well as questions. I have just sent my second DPA letter and will now take action against them in the small claims court if they do not comply. Don't worry it is just shabby putting pressure on you, pretty sure as soon as you put in a DPA request to them now, they know you are after your charges back. Stick at it and good luck.

 

Regards bish.

[georgie1005]

yes this was a bank account that was agreed to be closed to allow me time to pay the charges on it as i was overdraw over my overdraft and with problems at work and money being cut i could not afford to pay charges, so the citizen advice bureau agreed with abbey to allow me to have an instant plus account.i contacted them and was making payment of £50 manually over the phone each month, however each month it would be moved from department and get harder and harder for someone to take this from me. i contacted the collection group working on behalf of abbey and they were given the account 63days ago. Abbey stated they could not find me even tho i have 2 other account registered to my address ??Now abbey want the outstandgin amount in full or baliffs visit ???i have haad no previous letters from abbey, i moved address 4 yrs ago and abbey were infmd and no other contact re this old 9yr account.general amount is £1200 as no contact was made from them at all re this.it was not an instant plus account.

[georgie1005]

hi

me again i have recieved a letter from abbey stating somehting about micrfishe and not being able to provide ne with the information i require as it is not covered by the DPA. howevre they are making arrangment. i have caculated my amount so far and it is £3,700 without calculating the 8%.how do i do that and should i wait for them to c0pkly which may be in due course.although no date mentioned ???

[Glenn UK]

Georgie

 

I know this will sound harsh but go read the FAQs which tells you more or less the process for making a claim, what happens when they send a microfiche leter etc.

 

Im new too but with an evening or twos reading and research you will be much more confident and have a good idea of the porcess, what the banks do to try to cause you greif, in fact the whole 9 yards.

 

When youve done that come back and ask for the details which arent filled in.

 

HTh

 

Glenn

 

PS a 9 year old account? as asked above when was it closed?

[georgie1005]

hi karnevil

the DCA is 1st credit in reigate and the account was closed i belvd in 1997or 1996.i paid £50 until late 1997.

[georgie1005]

1st credit are asking for it on behalf of abbey.i have tried to speak to abbey to discuss what letters they have sent to my previous address and no one can help me ? when i move in 2002 i did have all my post redirected for over a year and no post was recieved ? what do i do with the DCA now ??

[georgie1005]

they have sent me a letter and in my panic i rang them and the stated they would accept a smaller amount in 28 days to clear the account.they did state baliffs and ccj. the correct amount is £1,300 however they will accept £850 ??

[georgie1005]

Hiya

I take it should have not paniced, easier said then done. i need to make a payment to them (if any) by the 14 august 2006 ? can you help me before that time??

thanks for your help so far

[georgie1005]

hi

i have just discovered the letter regarding the microfische fob off! should i send this letter or just go for it and fill out the n1 form?? Other than the amount how do i claim the 8% and the extre £10 is it quite self explanitory ??

sorry to be so dim

Georgie

[georgie1005]

Hiya

the amount of £3,700 go back 6 year , i have searched high and low for anyhting that resembles a statement and have been impressed i kept so many. this ia waht i have calculated, however there are gaps?

[MARTIN3030]

Georgie

 

You need to do a request under the 1974 consumer credit act for the info they have.

 

Copy agreement of original creditor

 

Deed of assignment

 

Default notice

 

They are obliged to send these within 30 days.

I would also send a request for deed of assignment and default notice to the original creditor.

 

At all times do not acknowledge you agree with the debt....you are questioning it.

[georgie1005]

hiya

How long do i give them to respond to the Data Protection Act Microfiche letter to Abbey?

[georgie1005]

Help i have been away and forgotten what to do next.i have calculated what abbey owes me but what letter to use? the interest amount seems very low as i did not have an authorised over draft.it seemed only a few pence each month! is it worth calculating these

[georgie1005]

Thanks i have worked out to send preliminary approach letter , that i know they will send automated response:x

[MARTIN3030]

Ditto.........whilst you may have been away and forgotten what to do......the banks unfortunately remain on the ball in looking for good excuses to stall.

 

Their efforts to do this can be lessened by a claimant who knows what they are doing..........dont give them reasons to choose you !!

 

[georgie1005]

i have received a letter stating my complaint(preliminary approach letter) is being looked into and wait another 30 days. is this another stall.shall i wait or just send the pre court letter ?

[georgie1005]

Bump

 

 

i am about to send my letter before action, how do i work out the 8% is this done now or when i take this to court ?

[georgie1005]

please help i have had letter offering me gesture of goowill and the money has been paid into my account without me agreeing. How do i stand ? i want to pursue my action but they have paid me the money i did not agree to !!!

[MARTIN3030]

Ok dont panic.......work out what they have paid and adjust this on your claim.

carry on for the rest.

 

so say the claim was for 760 and they have paid 200 then you are still claiming 560

 

 

carry on as schedule and just adjust the figures

[michellej]

Are their willing to pay the full amount?And you are still to send the LBA letter,..Are shabbey changing tactics,..

[georgie1005]

Are their willing to pay the full amount?And you are still to send the LBA letter,..Are shabbey changing tactics,..

Yes i am still sending the LBA letter and have stated they are not paying the full amount.i was thrown but this tactic ! I have read they are starting to do this to put people off but the still owe me over £3000 .

LBA sent 1oct 2006

[georgie1005]

hi

i am still waiting for the county court to set a date but i have heard that one of the banks haswon their case. What does that mean to me and the others

 

please advise:x