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Iriahm v Abbey


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Hi,

 

just wanted to introduce myself and say Hi! I'm a MSE addict and was advised to come over here and find out more.

 

On 14 July I posted of my letters to creditors for a data request. Abbey are by far and above my biggest claim but due to head being firmly in the sand I didn't keep many bank statements. I have some so can claim for something if they start playing games with the data request.

 

I have heard back from most of my other creditors - AMEX replied with statements for free within 48 hours! its only worth £90 in charges but its £90 i'd rather have in my pocket!

 

i'll be keeping an eye on others claims so keep up the good work and hope to get as much out of them as I can for all the times i've been standing in the branch in tears as I can't pay for anything, the staff keep telling me its all my own fault and that they can only refund 1 charge every 6 months for "good customer service" pah!

 

good luck everyone!

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Hi

Welcome to the Abbey forum.

 

Good luck with your claim, and keep us posted.

 

Jayne

Abbey - Prelim sent 17th May £2560.00 + £191.44

LBA sent 1st June

Claim Filed 27th June 3349.90 Inc Interest + Costs

Court Papers Served 3rd July

Claim Acknowledged 10th July

50% Offered 27th July

Settled Out Of Court 1st August £3080.45

Capital One - S.A.R - (Subject Access Request) request 31st July

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well thought i'd keep this up to date as it will also keep me right (withall these letters its got a good chance of getting muddled!)

 

12 July 2006

Data requests sent to:

 

Abbey - no response - funny that!?

Capital One - no response

Halifax - immediate response - free!

AMEX - immediate response - free!

Next Directory - no response

Egg - quick response - sent £10 for data enquiry 17/08/06

Ikano - no response

Legal and Trade - quick response - free!

Logic Group - no response.

GE Capital - no response.

 

The 40 days is up for this lot who haven't responded to me on Monday 21st August 2006 so let the games begin!

 

Today I sent the prelim letter (copied from here, thanks!) to Halifax (£160) and AMEX (£75.00). That gives them until 1 September 2006.

 

I calculate that most of the money i have ever paid to Capital One is charges. Somehow when I was at uni a £50 balance turned into over £500...head in the sand back then but it was scary! statement was charge after charge and they still want me as a customer - i bet they do!!! i make them a fortune!

 

thanks and I will keep you up to date with Abbey as I do get the impression from reading other folks threads that they are prepared to play hard ball....

 

thanks, Ixxx

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thanks Karnevil.

 

All non-responders have until I get home from work on Monday to respond. next letter will be ready to go into the last post at 7pm on Monday night!

 

So far with 50% of my bank statements I've been charged £860. On one hand this is great to pursue, but on the other I live in Scotland so considering just splitting the case (£280 on one account in total and the rest on my other current account that i'm missing statements from) and going for the £750 limit.

 

boyfriend received a phone call from (sh)Abbey this morning and i'm RAGING! I already have my mortgage with them and we are trying to port my mortgage into a larger one to buy a bigger home. All seemed simple enough (but I always pinch myself back to reality when dealing with (sh)Abbey). Phone call was to talk to me as there was a problem with my details. The mortgage advisor then goes onto detail EXACTLY what the problems were to my boyfriend. He knows all about financial situation and that i'm trying to sort everything out/get defaults removed etc etc but (sh)Abbey had no right to discuss my credit history with him. grrrr.

 

When I have settled all the charges i'm claiming back I will donate to this site because i've found it so useful - already got some friends looking into doing the same.........

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Update:

Abbey - no response - funny that!?

online request for missing statements 20/08/06

Capital One - no response

Halifax - immediate response - free!

Prelim letter sent 18/08/06

AMEX - immediate response - free!

Prelim letter sent 18/06/06

Acknowledgement received 22 August - "we'll look into this"

Next Directory - no response

Egg- quick response -

sent £10 for data enquiry 17/08/06

Ikano - no response

Legal and Trade - quick response - free! No charges to claim.

Logic Group - no response.

GE Capital - no response.

 

should I write to all non responders giving them a further week to send me the information i've requested or go straight to LBA? grateful for any advice

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Not sure about scotland but the general advice is to follow the time line you have set, its rreasonable give them 40 days, if they dotn respond send the prelim, then the LBA then court.

 

i think for DPA claims its recommended to use a 7 day interval.

 

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 have 40 days under the DPA SAR and maybe send a reminder when the time is near.

 

And the LBA for non compliance will be fine:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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an update;

 

so far Abbey (Pam Speed) have written to respond to my online attempt to get my missing statements. They said that because they were so old they weren't able to issue them without charging me £5 or £10 cheque for multiple. doh, like i didn't know this and why couldn't they take it from my account? because their charges mean i have money til pay day on the 20th of next month! This is promising as they haven't sent me the microfiche argument....yet!

 

So far they have ignored my other letters. They had a gentle reminder that their 40 days is up and ignored that so they are getting my LBA tonight with the charges I know about.

 

everyone else: mostly ignoring me so its an LBA night tonight!!!

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Am in shock!

 

last night on my door mat were 4 Abbey statements that I requested. this is half of them, and hope that the rest are here tonight. Hopefully this is a sign of things to come and that they are slowly realising that they are in the wrong.

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  • 4 weeks later...

apologies, its been a while. All my statements have arrived from Abbey by me requesting them online. I had already sent the £10 cheque so they cashed that and complied with my request for all data on the account. The actually didn't need to do this as I had all the statements, but ce la vie, at least they complied.

 

been hectic with work, selling house etc so plan on sitting down and getting to the next stage with Abbey, AMEX and Capital One. Abbey is by far the biggest for me to claim but Capital One makes me really angry - a card with £200 limit has charged £698 in 3 years!! NO WONDER i never get the thing paid off!

 

anyway, will post more info when I get the next stage done.

 

Iriahm x

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