Jump to content


  • Tweets

  • Posts

    • Hi Dave2019   That response to your councillor is short and direct so lets see how your councillor will act with Platform.   I think you have noticed that Platform are not telling the correct facts to news article/MP/Councillor which is absolutely typical of these Housing Association to always give there version of events to make them look as if they have done everything by the book to make them look good we haven't done anything wrong.   This is when you challenge them as you have done and throw there own Customer Community Engagement Strategy in there face and you keep doing this with what I have pointed out in post#67 (as a reference).   The more you do this the more Platform are not going to like it as it impacts their own Customer Care Policy, Complaints Policy and that specific Customer Engagement Strategy as these look more like just a paper exercise to make them look good but putting them into practice they are not just failing but are in fact Breaching those Policies.            
    • Ok! I think it's about there, I've added those final points. Thanks again for looking this over!   Px CLAIMANT
 ERUDIO STUDENT LOANS LIMITED – AND – DEFENDANT XXXX WITNESS STATEMENT OF XXXX I, xxxx of xxxx, being the Defendant in this case will state as follows;   1. The Witness – xxxx states in point 3 that:   “It is noted that the Defendant does not dispute entering into a credit agreement with the Claimant.”   This in not true. I have never entered nor admitted to entering into an agreement with the claimant.   2. The default notice mentioned in point 6 was issued on 26/04/2017 and served 4 years, 3 months and 27 days after the last written acknowledgment of the debt on 30/12/2012 by myself. Thus, the cause of action delayed by 4 years 3 months and 27 days and the Limitations period prolonged to 10 years, 11 months, 16 days. This, in effect, allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.   3. In point 5 xxxx states I was issued with A Notice of Assignment on 22/11/2013. In point 6 he states that a Default Notice was sent to me on 04/03/2014. In point 7 he states I was sent a Termination Notice on 26/04/2017. In point 8 the legal proceedings and transference to Drydens solicitors took place without my knowledge.   I received none of these notices or assignment. It has now come to light that they were all sent to an address I had not resided at since 2001. The Student Loan Company was aware of my current address at the time that the alleged documents were sent.   I have always kept the Student Loan Company informed of my current address.   4. In point 18 the Claimant claims the Termination Notice issued on the 26/04/2017 was the cause of action, this is patently untrue - the termination notice does not determine the Statute of Limitations date.   Pursuing a debt after a 6 years is clear breach of OFT guidelines and CPUT.   5. Addressing points 21,22 and 23 - the claimant contends its unfair to allow a set aside 16 months after a default judgement, yet failed to issue a default notice within the 6 year limitation period therefore breaching the rules of the Consumer Credit Act 1974 section 87/88.   6. I the defendant, contend that the Claimant's claim so issued is a claim in contract and
is STATUTE BARRED pursuant to the provisions of section 5 of the Limitation Act 1980. 
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.   7. The Claimant's claim to be entitled to payment of £2489.03 or any other sum, or relief of any kind is denied. 
   8. The defendant’s costs in dealing with the claimants default judgement and their set aside application to be paid by the claimant within 28 days.   (a separate costs sheet is attached).   Statement of Truth   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed: xxxx Dated: 17/05/2022   Costs Sheet Cost of N244 application form: £255.00      
    • Hi   I hope you are keeping as well as came be expected during this. and even if you want to rant here about this If A2 are still ignoring your letters/emails then that the Housing Ombudsman is now looking into this matter and have requested your evidence so far of their failure in Customer Cara and more importantly their own Complaints Procedure by failure to acknowledge letters/emails.   As you have already spoke to the Ombudsman I would contact them again and just explain to date A2 are still completely ignoring you with your complaint and you take this as a Breach of their own Complaints Procedure.   You look after yourself and even if you just want to have a rant about this to get this out your system you know where we are.    
  • Our picks

Successful Claims


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5397 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 70
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi guys. Reading this thread spurred me on to claim back £159 that i was owed from Abbey.

I posted my letter with all the details on Wednesday last week. Yesterday, i recevied a £32 "refund" straight to my account with no letter or nothing.

The today i get a letter reminding me of their charges etc and saying they have refunded "a charge" today and that they wont be able to refund any further.

 

What do i do now?! Any suggestions? Do i send another letter?

 

Paul

Link to post
Share on other sites

Well, I thought by now I would be posting here, my Court date is 5th March and still no sign of life from Abbey:(

 

I had a 50% GOGW offer ( only in full and final) 2 days after Christmas .... I think they thought they would get the offer in then as we would all be skint after the hols! I was but I didnt take it!.....They however didnt deposit the funds in my account as they have with lots on here, I replied to them that I respectfully refused their offer, but I would accept in partial payment, but no money and no reply was forthcoming from them.

 

Last Bundle in by date was 22nd Feb, but mine went to Court and Abbey on 12th Feb, 1 week early. So it's still a case of sitting and waiting it seems.

 

Hope its ok to add to the posts on here, makes me feel a bit better and a bit closer to winning ( hopefully!)

 

Jan

 

 

 

My story so far, hope this link works! http://www.consumeractiongroup.co.uk/forum/abbey-bank/45828-ys-abbey-claim-submitted.html

 

Abbey £782 refund requested.

S.A.R - (Subject Access Request) - 19/9/06

Microfiche response letter 28/9/06

Recieved microfiche 20/10/06

Prelim letter 7/11/06

Bog off from Abbey letter 15/11/06

LBA - 21/11/06

No way, we no pay letter from Abbey 4/12/06

N1 claim submitted 5/12/06, for £988.32, deemed served 8/12

Acknowledged 19th Dec 2006

Defence issued 19th Dec 06

50% GOGW rejected 28 Dec 06

AQ in 22nd Jan 07

Court Bundle in 12th Feb

Final hearing 5th March

Link to post
Share on other sites

Hi, my mum's just received her cheque from Abbey today - they settled in FULL (charges, costs and interest) and sent mum a cheque for over £4770!

 

 

Go with everyone - you get there in the end!

HSBC - full refund = £647

Capital One - full refund of £220 + court costs + interest

Link to post
Share on other sites

Hi, my mum's just received her cheque from Abbey today - they settled in FULL (charges, costs and interest) and sent mum a cheque for over £4770!

 

 

quote]

 

:) Congratuatuons to your Mum!! Well done.:)

 

Can I ask when her Court date was for please? I ask as mine is 5th March, in 15 days, and wondered how far away her date was before she had the settlement.

 

Well done again!

 

Jan

 

Abbey £782 refund requested.

S.A.R - (Subject Access Request) - 19/9/06

Microfiche response letter 28/9/06

Recieved microfiche 20/10/06

Prelim letter 7/11/06

Bog off from Abbey letter 15/11/06

LBA - 21/11/06

No way, we no pay letter from Abbey 4/12/06

N1 claim submitted 5/12/06, for £988.32, deemed served 8/12

Acknowledged 19th Dec 2006

Defence issued 19th Dec 06

50% GOGW rejected 28 Dec 06

AQ in 22nd Jan 07

Court Bundle in 12th Feb

Final hearing 5th March

Link to post
Share on other sites

WON!!!!!!!!!!!! WON!!!!!!!!!!!!!!!! WON!!!!!!!!!!!!!!!!!!!

 

Flippin heck I have WON!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!

 

Just found a payment by cheque, into my account for £1080.83 today(funds cleared 27th Feb) so I am assuming I have won, as I cant think of anyone else who would want to pay that amount of money into my account !!! Its £12.50 too much but I assume thats the daily interest that has been added on. Had no letter from Abbey so have to 'guess' it's from them!!!!!!

 

I almost fell off my chair when I saw it, I cant believe they have have paid me, I am sooooooooooooooo pleased, chuffed, happy you name it, I am it !!!!!!!!!!!!!!!!!!

 

 

:-) :-) :-) wooo hooooooo!!!!!:-) :-) :-)

 

 

 

Thanks to EVERYONE for your help, could not have done any of this without you!

 

 

Abbey £782 refund requested.

S.A.R - (Subject Access Request) - 19/9/06

Microfiche response letter 28/9/06

Recieved microfiche 20/10/06

Prelim letter 7/11/06

Bog off from Abbey letter 15/11/06

LBA - 21/11/06

No way, we no pay letter from Abbey 4/12/06

N1 claim submitted 5/12/06, for £988.32, deemed served 8/12

Acknowledged 19th Dec 2006

Defence issued 19th Dec 06

50% GOGW rejected 28 Dec 06

AQ in 22nd Jan 07

Final hearing 5th March

Settled 20th Feb £1080.83 !!!!!!!

Link to post
Share on other sites

WELL DONE!!! GLAD YOU WON!!!

 

The difference is the interest having gone up since you last wrote to them as it still accrues??

 

 

CONGRATULATIONS!!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

Link to post
Share on other sites

I love this site!! I am in the process of taking Abbey to court and yesterday received "Acknowledgement of Service" stating that they intend to defend all of the claim- £3520 plus interest. This scared the life out of me (not quite sure why as I always knew there is a chance of having to go to court) but having read this thread, I feel so much more positive and confident. Thank you everyone and congratulations to all of you that have gone through this ordeal and come out the other end!!

Link to post
Share on other sites

Congratulations!!!!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

Link to post
Share on other sites

i got directions from the judge after filing my AQ. If you look at my thread I actually put the directions on my thread the day I got them . I faxed them over to Abbey 19th Feb and then phoned Inga to make sure they had been received. She said she hoped to make an offer very soon and then she then asked questions abount the schedule. So Started talking and just gave her a daily call for update. It Worked. !!!!!!!!!!

Link to post
Share on other sites

Hi All

 

I've just joined this web site. I posted a letter to Abbey on friday (23rd. Feb) requesting a full refund of unpaid cheque charges. I used a template letter from the Martin Lewis Money Saving Expert web site. I have all the statements so I didn't need to go through the hassle of getting them from Abbey. As the amount is only £96 I would expect them to settle immediately. I have used the small claims court twice in the past and the High court once in my business activities. I had written off this amount as it is so small, but for looking at a few statements and filling in a template letter it is worth a try. They have 14 days to reply, so I'll post a message then or if I hear from them sooner I'll be posting again in less than 14 days.

 

I now bank with Barclays so if Abbey want to close the account it won't worry me. It might be useful if I could use the account again as it did pay a much better interest rate than other current accounts.

 

G

Link to post
Share on other sites

Hello I am new to this site and new to all this. Seeing your comments has made me a bit more hopeful. I am asking Abbey National for a refund in charges and although it is not a big amount I feel it is better in my pocket than in theirs.

Link to post
Share on other sites

ME (ON BEHALF OF MY SON) WON ....... FULL SETTLEMENT ..... DIDN'T EVEN GET AS FAR AS A COURT DATE

Hi We received a letter from Abbey today giving us full settlement (£1594), this should help my son pay some of his debts (including me).

If you read my thread you will see that it obviously helps if you live in Lincolnshire. The judge at our local court doesn't like the banks settling at the last minute. I decided not to contact Abbey direct following a conversation with my local Court Clerk, a very nice man!! He said to sit tight and basically not waste a phone call as evidence at this court had shown that the banks can't meet the directions laid down and have to settle. He was right, bless him. Also they probably wouldn't speak to me as I am not the account holder, even though my son had given me full authority to act on his behalf.

ANYWAY .... THANKS TO ALL WHO ENCOURAGED AND HELPED ME ALONG THE WAY, ESPECIALLY ANNEY, SHE'S ANOTHER MUM AND A PENSIONER LIKE ME ..

I will keep reading this site, I can't really advise but I can ENCOURAGE.

Will let you no when money arrives.

I never did stop smiling .... Brenda

Link to post
Share on other sites

I recieved settlement in full this week (donation due). abbey rep tried all sorts of shenanigans to get partial settlement agreed full settlement two days before court. Tried to get me to settle then but I insisted on an adjournment until settlement reached my account yesterday as i did not want shabbey pulling any fast ones. they really are slimey in their dealings even when caught with fingers in accounts.

 

In any case got my loot back:) thanks to the help of CAG team!

 

Next stop the woolwich for an even larger sum!

 

By the way good luck to anyone taking proceedings in N Ireland courts! They weren't too many stories from this neck of the woods previously but growing band in days to come hopefully!

Link to post
Share on other sites

Finally received full settlement from Abbey!

 

Initial claim was £745 - but was increased after they finally supplied all my missing statements to £3,100.

 

Court date was set for yesterday, but they settled on Friday afternoon.

 

I want to thank everyone that has helped me on this website - your guidance has been invaluable!

 

My donation is on its way to you.

 

Cheers!!!!

 

:) :) :)

Link to post
Share on other sites

Thanks Jellybabe - great minds and all that!! Good luck with yours :-)!

 

And Martwxm - the 4-8 weeks is their standard letter so don't worry and keep it up - its all worth in the end!

 

:-) ;-)

Link to post
Share on other sites

  • 2 weeks later...

I got my first small claims payment from Abbey on 28th January of £941 which they offered me the date before the action went to court. I now have the next court action appearing in court on 18th April so hopefully that will be another £900 coming my way. At long last I feel that I can hold my head up after so much grief being overdrawn - made to feel like a criminal when Abbey was actually doing the dirty themselves.

 

Hang on in there anyone who is still awaiting the outcome - success is sweet!

Link to post
Share on other sites

Hi,

Have not been on for a while as have been caught up with fighting the good fight! Anyway wanted to let people know I have just gotten £1000 from Shabby Abbey and wanted to share the good news. I have made a donation to the website and want to thank everyone for their help and support.

Dont get mad, get even!

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...