Bless Abbey and all who sail in her!!!

[vixtrix]

Obviously the subject title is sarcasm!!

 

I have had enough of Abbey National and I posted my letter (taken from the Library) yesterday to great relief!! I have requested the full refund of £1400.00 and now wait with bated breath!!

 

I realise that the loyal workers at Abbey are only doing there job but they must need a good large mug of Horlicks to be able to sleep at night!! I was charged £50 (£30 to allow a DD through and £20 because of going overdrawn) because a Direct Debit for £30 took me £3 overdrawn. When I asked for a refund they maintained their dignified outlook astride their high horse and refused!!

 

I then got to looking at all the charges that I have paid over the last 5 years and was shocked at how many times I paid out in the region of £40 - £50 for a mistake of £2 or £3!! There was also a clear snowball effect happening as they withdrew their charges and bounced yet another Direct Debit!! It was disghusting and I decided to take the plunge and take action.

 

Now I realise to go to the Small Claims Court will cost me but is there any chance I would have to pay anything to Abbey if I lose?? And does anyone know approx how much it 's going to cost to reclaim £1400??

 

They are insisting that they will withdraw the charges of £65 on 24th March so I said I would close the account. They said they wouldn't allow me to close it so I have moved every single transaction in and out (DD, SO etc) to another account elsewhere and left it with 63p in credit. I have a £100 overdraft which they can then use to take their charges and then I shall let them sue me for THEIR money!! Luckily, it is in my maiden name so although I know I will proabably get a CC against my name it shouldn't effect me too much. And obviously if I manage to win my case they will have to pay it back themselves!!

 

So any advice anyone?? :? :? :? :?

[BankFodder]

Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

[monkey_uk]

Sounds as if you are doing good.

 

When did you become American?

 

The same time that Abbey's call centre staff became Indian....?

[vixtrix]

Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

 

Do you mean if they do that I should pay the £65 charges? They would have to give me warning of closing an OD wouldn't they?? :? :?

[richardc]

Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

 

Do you mean if they do that I should pay the £65 charges? They would have to give me warning of closing an OD wouldn't they?? :? :?

 

They would give you notice, yes.

[BankFodder]

I mean that if they gave you notice of closing your OD you should be prepared very quickly to issue a claim.

[Mel84]

I dont know Where to send the DPA disclosure request, should i send it to my local branch or is there a HO for this type of thing??? :?

I did see the Milton Keynes Address! But i didn't know whether thats just for milton keynes or the whole of England????

Can anyone help me out?

[trundlecat]

Mel, send it to thier HO:

 

Abbey National PLC

Abbey National House

2 Triton Square

Regent’s Place

London

NW1 3AN

[Mel84]

Thank You!

Will Be sending that soon!

[vixtrix]

I sent my letter demanding that they repay my charges to the Abbey address on my statement - should I have sent it somewhere else then?

[richardc]

No. Your brach address will do fine.

[Robertxc]

Just don't forget to make sure they clean up your credit rating when the time comes for them to settle...

[BankFodder]

Just don't forget to make sure they clean up your credit rating when the time comes for them to settle...

I'm afraid that I am now convniced that the only way to achieve this will be to include it in your court claim. However, this is not difficult to do. It will ramp up the game about 10 notches, though.

[Robertxc]

Very true Bankfodder, but on the other hand, it's no skin off their nose. After all, it's not like you're going to be doing business with them again, and they can alter your credit file at will, so it's not hard for them to do.

[BankFodder]

They would rather catch plague than remove the default. If they do that they put themselves and the CRA at risk of a defamation action and the beginning of many.

believe me, the money is nothing. They really don't care about retruning 3000 or 4000 quid -except some little clerk takes it a bit personally. But as an institution, the rmoval of the default notice would be an ultimate defeat. - And yet I feel that it wouldn't be difficult to achieve - and it is an iniquitous system and it needs wrecking.

[Robertxc]

Well, watch this space. I hope in the next week or two to be able to add an entry to the litigation forum which includes the forced removal of a Default by a bank. :twisted:

[BankFodder]

Excellent. Can you post it here - or if you can't can you pm it and let us in a bit on the secret? We'd love to know what you are planning

[vixtrix]

Does a CCJ last for the rest of your life and does it belong to one specific name or a house i.e. will it be against my maiden name or the property I live in (used to be called black listed??). Beginning to get a bit of cold feet about it now that my anger has subsided. I can see me losing AND ending up with 0 credit rating!!

[vixtrix]

I have received a letter from Abbey this morning saying the standard 'very sorry you are unhappy' blah blah. They have said that they will investigate the matter but to ensure a thorough investigation it will take up to four weeks.

 

Is this ok - I demanded they pay it back in 14 days, should I do anything or just let them have their four weeks???

[vixtrix]

I've had the standard 'bog off' letter - basically blaming me for not being rich enough!! They claim to have refunded charges in the past - WILL THAT AFFECT MY CLAIM AT ALL???

 

I shall be going ahead with the claim via small claims court this afternoon - quite excited actually!! Is there anything else I should be aware of??

[nickmack]

I've had the standard 'bog off' letter - basically blaming me for not being rich enough!! They claim to have refunded charges in the past - WILL THAT AFFECT MY CLAIM AT ALL???

 

Obviously you shouldn't claim for charges you've had refunded already. It won't have any other effect though.

 

I shall be going ahead with the claim via small claims court this afternoon - quite excited actually!! Is there anything else I should be aware of??

 

Read the FAQ and other posts for your institution to see what others have done at the claim stage. Any specific questions that haven't been answered can be asked.

[vixtrix]

I'm probably being really thick but I can't seem to get the Excel sheet to calculate the right interest. I have downloaded into onto an apple mac - is there any reason why this should make a difference? I'm entering the charge but it's only calculating the interest on the previous days set (i.e. since 2004 when I am entering charges from 2001). Help - need to get the interest right before I can proceed with my claim!

[heppy23]

It might be an apple thing. Maybe whoever wrote it (great job BTW, can't wait to fill mine up) can clarify?

[vixtrix]

This topic was closed on 03/06/19.

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