Abbey Hardship Refund

[Jamesx81x]

Hi

 

Back in 2004 Abbey sold my account to the morons Link Financial at a balance of £743 made up of charges.

 

In October 08 i started a hardship claim with Abbey who in January 09 refunded the sum of £1035.

 

Link are still chasing me for the outstanding balance so i made a phonecall to Abbey to ask what was going on. They replied by saying the charges were put back into my account to help with my rent/gas arrears etc not to pay the unauthorised overdraft off.

 

What the hell they on about? If they have put the charges back into my account is this not a refund? They dont seem to think it is.

 

Thanks

[yourbank]

I think you need to tell link that since the account is in dispute they can't chase it. Furthermore, since the account is being managed by Abbey they are chasing a debt that doesn't exist. Is the account still open?

[Jamesx81x]

The account is closed.

 

It was sold to Link back in 2004.

 

Abbey refunded the charges but are saying it was not a refund of charges to clear the overdraft they were added to the account to help with my rent arrears etc.

 

Just dont understand what they are going on about. My claim was for a refund of charges using the fsa guidelines on hardship. In response to this Abbey refunded £1035 to conclude my complaint. Therefore it was a refund of charges.

 

Thanks

[yourbank]

The account is closed.

 

It was sold to Link back in 2004.

 

Abbey refunded the charges but are saying it was not a refund of charges to clear the overdraft they were added to the account to help with my rent arrears etc.

 

Just dont understand what they are going on about. My claim was for a refund of charges using the fsa guidelines on hardship. In response to this Abbey refunded £1035 to conclude my complaint. Therefore it was a refund of charges.

 

Thanks

 

Hang on they refunded £1035 yet they have added it to the debt oustanding?

[Jamesx81x]

They confused me too.

 

Basically bottom line it is a refund of charges. They are saying it is not classed as that and is to help me clear my rent arrears etc.

 

The debt they sold to link for £743 they are saying still exists.

 

How can it if they have refunded all that?

[Jamesx81x]

Any advice?

[yourbank]

Ask them to explain that one to you, ie refund increases debt.

[lint]

If they give you money to pay debts can you take it out and pay link then its paid anyway. I know it sounds daft but thought it might work. what a bunch of plonkers.

[Ian Kirkman]

Hi, was this £1035 given directly to you or was it paid into the account that Link now holds.

[chrisb333]

My understanding is you are entitled to ask them to pay you by cheque.

 

I presume you have been unable to withdraw the money because the account is closed>

 

What has happened with this case since last post?

Maybe advise more then

[yourbank]

Did Abbey pay you to your account and you subsequently paid your rent arrears with the refund ?

 

If so then the debt with Link still stands as you never actually paid that £730 odd of charges in the first place, so to refund you in the way to clear the debt they would have had to of given link £730 odd and you the remaining £300 to make it up to the £1035.

 

Which would have left you unable to pay the arrears

 

Sound right?

[Jamesx81x]

Wouldnt there have to be a notice of assignent? Not Just Abbey saying the sold the debt?