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How long will it take ??


sandrajl
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sandrajl

 

Just as thought, you are keeping notes of the phone calls, the content times and everything arnt you?

 

It might not hurt to write to them and cofnrim the conversation with any key points.

 

Call me suspicious but if your account doesnt turn out to be on hold you may end up with more charges and interest.

 

If you have written to them to confrim this then they will have less chance of muddying the waters when and if it turns out to be a problem.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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they were absolute swines with us over our overdraft a few years ago they decieded to just withdraw our overdraft over night and said were taking back our £750 just like thaty and when i said could we pay it back over a period of time they grudingly agreed if only i knew then what i know now ggrrr!!!we should have switched then i suppose but we stupidly stayed with them.Not only that they put a bad credit mark against us just for that theyd make a saint swear!!

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sandrajl

 

Just as thought, you are keeping notes of the phone calls, the content times and everything arnt you?

 

It might not hurt to write to them and cofnrim the conversation with any key points.

 

Call me suspicious but if your account doesnt turn out to be on hold you may end up with more charges and interest.

 

If you have written to them to confrim this then they will have less chance of muddying the waters when and if it turns out to be a problem.

 

JMHO

 

Glenn

Yes glen i am keeping note of ALL phone calls & letters i have a little "Black Book" with some very dog eared pages where i keep looking back over them

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Just out of interest is there a 1, 2, 3, in which order to send letters guide on the sight anwhere to follow ? only ive read lots of different threads and am getting a bit confused as what to do next or if, ive either sent wrong letters off or missed any out ?

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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  • 4 weeks later...

Hi all,

has anyone got any advice on ow im to handle abbey now, got letter yesterday saying that they hadent heard from me and that my bal on my acct is well over my limit and that i have to pay enough money into my acct to clear tha overdrawn bal and make sure this covers interest and charges still due on acct. If i dont them action will be taken to recover the balance and they will register a default with C R A ,i dont understand as they rang me in sept and said they would ring back at end of month to discuss what is happening with acct.. can anyone help ?

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Oh just thought can they still put default against me even though the acct is in dispute ?

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Write back to the person that has sent you the letter and explain that the account is in dispute. If the amount you are claiming is more than the overdraft etc then you do not have a problem.

 

There is a letter in the library that you can send them which refers to the Data Protection Act and will hopefully stop them entering any default notice against you.

 

When I sent them those letters the overdraft was removed compeltely from the account and they stopped charging anymore interest as well.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Hi Dessie,

sorry i dont quite understand what you mean- my O/D limit is £1400 but with the 13 charges they added this month and the ones they added last month its taken the bal up to nearly £2000. Ive already told them the acct is in dispute when the lady rang me in sep. Surly if all "notes" on acct are put on my records then my conversation should show up when they look at my file ? am i being stupid ..dont you keep all contact records ie letters & calls in one place so they are easily to hand ? im beginging to get worried will they take me to court first :confused:

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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ive just sent off letter referring to DPA off to p speed , could you have a look for me at how ive worded it please ?

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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HI KIA,

sorry i dont quite understand what you mean- my O/D limit is £1400 but with the 13 charges they added this month and the ones they added last month its taken the bal up to nearly £2000. Ive already told them the acct is in dispute when the lady rang me in sep. Surly if all "notes" on acct are put on my records then my conversation should show up when they look at my file ? am i being stupid ..dont you keep all contact records ie letters & calls in one place so they are easily to hand ? im beginging to get worried will they take me to court first :confused:

 

If they do take you to court then you have a valid defence for getting it thrown out in that you have already started dispute proceedings against what they say you owe them. Same if they pass it onto a collection company. A bailiff will leave you alone if he knows the amount is in dispute.

 

Make sure that you say in the letter that any charges applied since your first letter could be subject to a further claim as well.

 

And stop using the account, they will stop you using it soon anyway. If you have a bad credit history, try a Natwest Step account for a new account. The only downside is that you wont get a cheque book. Get everything transferred to that account and start afresh.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Dessie just tried ringing abbey but comps are down and thry say they cant do anthing , i will have to ring back but can i sent the template letter from bankfodder re: Persuite of ..... even though they may not have actually started a default on me .

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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If they have sent you a letter saying that they will default you then send them the DPA letter now.

 

If not I would hold off until they do and instead just send a letter to Debt Management (or wherever you are dealing with ref your overdraft) and make it perfectly clear it is in dispute. I would always put it in writing and send it recorded so that they cannot deny they have received it, or that they ahev spoken to you.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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quick up date received 5 year statements from Abbey on 9/10/06 ?? only 4 days after i sent my last letter(Pursuant to s.10 of DPA 98) to MR BETTS & also to PAM SPEED....just mentioning that i was aware that they have sent microfiche copies to other customers & also that they have settled with other customers out of court...surely its a mistake and statements must have been on their way to me anyhow!

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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