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paulandgayle07

Abbey mortgage help - can anyone make sense?

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Hi everyone!

 

Ok, im going to do a little background info for yourselves, this will help make sense of the mess the bank has landed us in.

 

hubby banks with clydesdale for 19+ years - moves to abbey bank as he has mortgage with them and thinks it will be easier to manage etc.

 

abbey switcher team screw up (badly) and after £1000 of charges are removed, he cancels bank account with Abbey -but obviously keeps mortgage going with them via clydesdale bank account (that was never closed etc).

 

Since July last year, we recieved 4+ letters a month from abbey/santander, saying that we have cancelled DD, or the clydesdale have returned DD details to themselves as "account transfered to another bank".

 

This is wrong (we have proof), and we know they have done something to the accounts to cause so much damage!

 

We have never done anything to the account - the payments were going out fine until all of a sudden we got hit with 5 months worth of missing payments, we have tried sorting this out on both ends of the banks but to no avail - until today!

 

santander claim we have done something and cancelled the DD, want immediate payment of the missing 5 month payments or court action.

 

Clydesdale KNOW we havent done anything or signed to cancel DD, as the records show the ABBEY account is CLOSED????????????????

 

Me and hubby are at wits end, we can prove we have no dealings with closing the account, and that the banks have screwed up somewhere - but will we successfully charge them with negligence regarding out finances???

 

Since this has been going on for over a year, we are going to move mortgages out of abbey, but we are going to press complaints etc against them and the outsourced switcher team staff they employ. We will be looking for compensation for stress, time waste, financial history damage/credit rating damage, etc etc etc.

 

Anyone ever had problems like our one - any advice???

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Hi guys,

 

Any ideas, throughts - is this even the right section for this??????

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If you are in mortgage arrears (according to abbey) it may be difficult to get a good mortgage.

 

Are you locked in?

Have you complained in writing with evidence directly to Santander (Formerly Abbey)?

 

If you have not done so already, you should send bank statements to Santander showing the payments to your mortgage and ask that they update their records.

 

You should also check your credit report for any missed payments being recorded.


A debt collector for my sins; I hope any advice I can offer of the industry can help. It might help me sleep at night.

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So when he decided to go back to using his account with Clydesdale, did he advise the Abbey mortgage people so they could set up a new direct debit to collect the monthly payments.

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Hiya

 

Yes - the clydesdale account was never closed as the switcher team took over 6 months to fully activate the account, and then did not transfer his wages over properly so that was another problem we had to deal with.

 

When he cancelled the abbey account, we had to sign all the documents and put a formal complaint in with copies of statements, bill payment refs etc.

 

Basically we know we are in a win/win situation as our bills are having to be paid manually over the phone, but abbey have seriously screwed up our accounts and credit files.

 

FSA have advised us to wait till tuesday to get the paperwork through and then once we know who have closed the account, we are to press legal action against the banks.

 

one thing i do know is that our credit record has been damaged to a point were blacklisted by abbey - so that will be esponged quickly enough in court.

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Are you actually 5 months in mortgage arrears?


Consumer Health Forums - where you can discuss any health or relationship matters.

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Yes, from July to january last year, they never removed payments from the abbey current account created for hubby, we had to organise a repayment plan with them that is still oen going today.

 

If anyone has some useful insight into this problem then it is very much appreciated in any help given - were pretty much guaranteed a win/win situation, as the banks are at fault - not us.

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Yes, from July to january last year, they never removed payments from the abbey current account created for hubby, we had to organise a repayment plan with them that is still oen going today.

 

If anyone has some useful insight into this problem then it is very much appreciated in any help given - were pretty much guaranteed a win/win situation, as the banks are at fault - not us.

 

So where is the money that was earmarked for the mortgage? is it still floating around Abbey somewhere?


Consumer Health Forums - where you can discuss any health or relationship matters.

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