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    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
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I have made a claim for around £5600 including interest. I received no response to any of my letters apart from the usual dealing with your complaints thing. I made my claim through moneyclaim and subsequently received £800+ in my account as individual refunded fees. They could not say to which fees they related to but said it was a goodwill gesture.

 

Abbey have now lodged a defence and offered to settle my claim for half the amount. I'm not going to accept!

 

I'm about to send off the questionaire and wait for a court date!

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  • 1 month later...

Success - Abbey have settled. They took it almost to the very end but have finally agreed to settle at £5000 (only a couple of hundred less than the claim). Part of me wishes I had held out for the full amount, but I had always said that if the offered £5000 I would take it, which is what I did. Thanks to everyone who has helped, I couldn't have done this without you (or Martin Lewis from moneyexpert.com). THANK YOU ALL!!!!!!!!!:):D:lol::wink:

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Hi Jamesmum! I am in the process of getting my bank charges from ABBEY. I am worried and also excited about doing this. Can you just give me an overview of the timescales involved and if it is very difficult? I sent them a SAR 11 days ago and received a letted 4 days ago from the complaints dept about the complaints procedure........ and that someone will be getting dealing with my case and responding shortly. Is that normal of them or they are fobbing me off?

 

Andrew

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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This is exactly how thye were with me. I just carried on regardless. I followed the step by step guide and timescales on moneysavingexpert.com (the Martin Lewis website).

I sent my first letter to Abbey requesting statements on 22nd November 2006, and they sent my statements through on 16th December, at which point I sent them the letter asking for my charges back with interest. They replied on 3rd Jan with the standard "sorry you're not happy....blah blah blah" letter. I then sent the letter stating, I haven't received a satisfactory answer and wanted a full response within 7 days. They didn't respond in time so I started the court process using the online claim service. This is when I started to panic a bit.

I filed the claim and Abbey acknowledged the claim 24 hours before the deadline, and said they would be filing a defence. They also stated that they hadn't received copies of the bank charges and I needed to send them to them!!! At this point it was transfered to my local court in Swindon. On 14th Feb I received a letter with an outline of their "defence" and an offer of £2800. I declined this, but said I would accept an offer of £5000, but if I didn't hear from them within 7 days I would return the court allocation quesionnaire and continue with the proceedings. Needless to say I heard nothing. I completed the allocation questionnaire and returned it to the court and then sat back and waited for a court date, which eventually came through as 25th May 2007. I prepared all my court bundles, which can be downloaded from this website (thanks guys!!!!) and was about to post them off when I received a phone call from Abbey on 4th May asking if I would still accept the £5000. I had always said that if they offered £5000 I would take it, so I did.

There were times when I became very nervous about the whole thing - "what if my case ends up being the test case", "what if I get it wrong and lose the case through my own stupidity" etc.

All I can say is follow the step by step guides, and stick to the timescales, hold your nerve and you should be fine. It is pretty staright forward, especially with all the information you need being on moneyexpert.com as well as this website.

It took just under 6 months from my very first letter to the settlement date, so it's not an overnight thing, although I beleive some of the smaller claims have been settled quicker. Good luck and let me know how you get on!:)

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:) I was given a court date of May 10th and Abbey have now sent me a letter saying that "due to the quantum" of my claim and "without admitting liability" they will settle the full sum plus interest up to the date of the their letter, plus court costs. Total now paid into my bank £3993.57. I am very grateful to this brilliant site for showing me how this could be done and will now donate some money. PM
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:) I was given a court date of May 10th and Abbey have now sent me a letter saying that "due to the quantum" of my claim and "without admitting liability" they will settle the full sum plus interest up to the date of the their letter, plus court costs. Total now paid into my bank £3993.57. I am very grateful to this brilliant site for showing me how this could be done and will now donate some money. PM

 

Penny well done you!!

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.

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Hi. Lively lad updated my title to show I won yesterday but i dont think its been moved to successes...

http://www.consumeractiongroup.co.uk/forum/abbey-bank/87538-turn-up-books.html

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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  • 2 weeks later...

Yippee I've won against the Abbey!!!!!

 

I stayed up late last night preparing my court bundle as my hearing was on 5th June and I was due to post it today. Got a letter this morning from Abbey informing me they are settling my claim in full plus court costs and interest. I'm over the moon!!

 

Thanks to everyone on here for your support and advice!!

 

Sarah

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I have filed a bank claim against abbey and have received notification back to say that Abby have until the 30th to respond. I am so nervous, have to sort out my bundles and just dont know where to start. To those who have been paid out at this stage how late in the process did Abbey contact you to pay out?

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  • 2 weeks later...

Fantastic news today. Having submitted my court bundle to the County Court on Thursday the Abbey have today agreed to refund the full amount to me provided I cancel my claim. They must think I was born yesteday. It will be cancelled when the money is in my account !!!! Come on Shabbey you can do better than that.

 

For anyone starting a claim CAG gave me advice in the CAGchat room which unfortunately is currently closed. What a shame it isn't back yet. Anyways, there is loads of advice available on this site. I had absolutely zero knowledge of procedures before I started this claim. I can't wait to now look at my partners account. Its become a bit of a hobby.

 

Thanx again CAG and a donation will be on its way.

 

Standup4yourrights...powe r to the people. :grin:

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  • 2 weeks later...

Hello there

 

I've just registered with CAG today as have got a Notice of Directions Hearing from local court. I'm bricking it to be honest but will keep going and will check FAQs.

 

I'm praying they just send a cheque for full settlement - vagabonds!

 

Like the acroynym 'shabbey'!

 

Next in line is Nationwide.

 

I totalled it all up - my overdrafts amount to the EXACT amount of charges over the last few years ..... and I thought I was just naff with money!

 

Fingers and all bits crossed and thanks to you guys for the rays of sunshine!

 

Will keep you updated.

 

:-)

Flisspops

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Flisspops, its a matter of gathering as much info on here as possible, ensuring your paper work is in order and preparing a file for any court proceedings that may or more likely may not occur. Keep your focus on the fact that your overdraft is in fact a creation of your bank to keep you in debt and that you now have the opportunity to put the record straight and with the help of the site this is what you will achieve :lol: laughing all the way to the bank!

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Dear Tiarla

 

Thanks for your words of advice. I'm a stickler for keeping records and files so am OK there. I know they play for time and clog up the court system - something the judges are growing wise to and tired of so have a feeling they'll not show up at all.

 

Will keep site posted.

 

Regards.

 

Flisspops

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  • 3 weeks later...

Well - court date beckons at 2pm today. I have my bundle ready and will be swotting on the law and the fact that they kept me in debt. Hopefully they'll pay up on steps.

 

A donation is forthcoming to this brill CAG site.

 

Any last minute tips would be gratefully received!

 

Flisspops

 

:|

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GOOD LUCK - though if your preparation is done shouldn't be a problem. even if you were to get to state your case have no fear. The process is designed to be as user friendly as possible. Everyone gets a bit overawed but then again highly unlikely to get that far - let me know how it goes!

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  • 3 weeks later...

Hi

Never posted on site before, but have been an avid reader to help my friend claim back over £4000 of charges from Abbey. She started the process in Feb 07, using the template letters and got the usual replies from Abbey. After delays, we decided to pursue the court route, and eventually got a date for the small claims court on 27 july. Again we found the site invaluable for "court bundles" and support. All documents were sent off as requested, and delivered by hand to the Abbey head office, to avoid postal strikes, or further delays.All in all, hours and hours of hard work, and sleepless nights!

But all well worth it because a letter from Abbey yesterday;

 

"Claim settled in full"!! "Without admission of liability"!!

 

She is now awaiting payment into her account, and can then cancel the court date.

Big relief, can now breathe again!!

Must say such a big thank you to this, and other sites, for all the help without which we would not have been able to pursue the claim, and probably would have given up at the first hurdle.

Hope this inspires others to continue with their cases.

Have copies of Abbey terms and conditions if anyone can tell me where to post them, i will gladly do so

Thanks again and good luck

Tiggyboo!!

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  • 2 weeks later...

hi folks,

started a few threads but cant find most of them now, but have just recived without prejudice letter from Abbey,oops SHAAABBY Stateing

"in view of the cost to shaaaby national plc, of preparing its defence and arranging representation and without admission of any theivery blaaahdy blaahdy blah" what a cheak.:mad:

i want my costs in the preperation of my claim, so im presently reading some more threads before reply to them.8) their letter was dated 26 july sent second class and recived today 30/7/07 but i already faxed them non compliance of court directions letter, and one to the court this morning

 

my claim no is 7BO00880, Hearing date 7th August 07 the amount claimed was 1,574.50 offered 1,844.03 incl court fees and interest.

 

any comments please feel free to respond.

if any one can tell me literaly how to make a donation, and how to send details to moderators etc feeling a bit stupid now.

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Podder v Abbey

Abbey finally paid up 5 days before my court case with a letter dated one day prior to the announcement of the OFT test case GET INNNNNNNNNN THERE. TOTAL AMOUNT £2984.50.

Many thanks to all who helped and for all the information provided, there is no way on eatrh I could have done it without you all. Keep fighting the lousy thieving scoundrels. I began this process in Jan 07, followed the template letter process, to which the ultimate response from shAbbey was to defend the claim in court. Smacked em with a proper large sized court bundle and the swines had nowhere left to hide. Dont give up the fight, Podder

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hi folks,

had my hearing on the 7th august 07, was going for the wasted costs route, but as shaaaaby had already settled the claim, the judge said there was nothing they could do, i have to asume that you should include your costs in the original claim.

on top of that my car got towed away for parking on yellow line in a dead end road. So i now have another challenge with newham council and their extortion

 

any ideas please feel free to point me in the right direction!

 

didnt realise it was so easy to donate durrrh

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