Abbey - Default

[Davew2811]

Hi, I've had a long stading dispute with Abbey relating to charges on my account, the dispute started in Aug / Sept 2008 !

 

I had more than one account with them and stopped using the one in dispute until it was resolved. at this point they withdrew my overdraft facility and demanded payment in full (about £4000! ) .

I was not in a position to repay it in full so I agreed to repay it monthly (subject to a review after 3 months), I was out of the country working when this agreement ended and by the time I returned they had started default proceedings (which they claim can't be stopped unless the balance was repaid in full!)

Again, I was not in a postion to do this so in June this year they applied a default to my account, registered this with the credit reference agencies and passed the 'debt' to a collection company which has crippled me financially !

 

I have complained to the ombudsman, this process may take several months! but because Abbey say they have not broken any banking rules I fear the default will stand..

 

Any suggestions on what if anything I can do about it?

 

Dave

[silverfox1961]

Hi,

Did they send you a default notice?

Is the DCA collecting on behalf of the bank or has the debt been sold?

 

Have you put in a claim for a refund of the charges?

[Davew2811]

They did send me a default notice but as I said, I was out of the country when it arrived and regardelss of that, they claim that once it has been issued they can not stop it unless the balance is paid in full!

 

The DCA are acting on behalf of Abbey, in fact, they have now passed the debt back to Abbey as I told them the matter was in the hands of the Ombudsman.

 

Abbey refunded SOME of the charges late in 2008 the dispute I had with them was because they did not refund what they said they would..

 

Dave

Edited October 14, 2009 by Davew2811