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Teebum V Abbey **** WON !!!! ****


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It is now 14 days since my Prelim letter to Abbey, am I right to assume I now send my Letter before action.

Also I am confused with this paart of the letter:

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

Any help please

Lets get it back

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Hi Teebum, you calculated that they have taken x amount (this is the amount in charges that they have taken from your account ie unauthorised overdrafts, cleared cheques, paying dd's etc) plus an amount of interest (I dont know how to calculate the interest, sorry) and the total is the two amounts, hope this makes sense

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Also I am confused with this paart of the letter:

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

 

 

Hi Teebum, yes the LBA is the next letter to send now. The first XXXX is the amount they have taken in charges, the second set of XXX is the actual int they charged to your account on the first set of XXX(charges). I found it really hard to work out so didnt add that bit, I left it out and went for the 8% you mentioned, this can only be added when you submit the claim in court. :D

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hi. just read this thread and im hoping you can give me some advice. i sent a letter at the beginning of june requesting details of all charges and received 14 statements ( i think). i gave them the standard 40 days to reply which they did, just. when i didnt get all the statements and having a bit more info (hadnt found this site then) i sent another letter stating that they hadnt given me all the information that i had requested and they now had 14 days to reply. i also gave tham permission to take the ten pounds charge for this and requested that i wanted details of the charges and not reams of statements. i received a letter dated 18 august saying they were sorry i felt i had to complain and that they would investigate but that it would take time. i think they said 4 weeks. i now know that this is a stalling gesture. what i am confused about now is the step i take next. should i send an LBA or should i take the next step? also should i give them an estimate of the charges for 6 years including the charges i can see on the statements + interest? i have only been on this site today but have gathered some valuable information and think i can work this out but just need to know which letter to send next

any help would be greatly appreciated

 

 

1st letter sent june 3rd

statements received june 20th

another 1st letter sent july 31st

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Does my LBA look ok:

 

 

I am very disappointed that you have failed to respond to my letter of the 19/08/06

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £9,651.45.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 19/08/06.

 

I require repayment in full of this money and. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice

Lets get it back

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No staements yet so LBA going off today, recorded delivery(I am sending all letters this way)

 

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

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

29/08/06 Received sorry you are unhappy letter

04/09/06 LBA sent

Lets get it back

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Is this correct? Any advice welcome

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 31/07/2006.

The disclosure of personal data is incomplete in that at least the following documents are missing.

 

You have failed to provide a complete list of transactions and charges for dates July 2000 – April 2005 are missing.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours faithfully,

Lets get it back

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Right my 40 days re up, and have today posted my no compliance letter. What do I do now?

They seem to bo ignoring me.

Do I go ahead with a claim for what statements I have or wait.

 

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

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

29/08/06 Received sorry you are unhappy letter

04/09/06 LBA sent

11/09/06 Sent non compliance letter

Lets get it back

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Just got back from posting letter to Abbey, and waiting was another letter saying sorry I am so happy and that Abbey would investigate and respond in four weeks. Contained instructions on how to make a complaint.Sent from Marc Winder Head of complaints

 

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

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

29/08/06 Received sorry you are unhappy letter

04/09/06 LBA sent

11/09/06 Sent non compliance letter

11/09/06 Recieved a second sorry you are unhappy letter

Lets get it back

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Yet another letter from Abbey:

 

Dear Sir

As you know we are currently investigating your complaint that you raised with abbey four weeks ago. I am sorry for the delay you are experiencing and I would like to take this opperyunity to thank you for your continued patience.

Our research is taking longer than expected because we want to make sure a full investigation is done. If we are unable to complete our investigation beforehand, we will write to you again in four weeks time to let you know how we are getting on.

I am sorry that it is taking longer than originally thought and would like to reassure you that your complaint is very important to us.

 

Yours sincerely

 

Marc Winder

(Head of complaints)

 

What should I do now? the 7 days non compliance date is up on the 18th.

 

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

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

29/08/06 Received sorry you are unhappy letter

04/09/06 LBA sent

11/09/06 Sent non compliance letter

11/09/06 Recieved a second sorry you are unhappy letter

14/09/06 Another letter saying they are investigating

Lets get it back

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