Fuzzgun vs Abbey

[fuzzgun19]

Now showing 'Issued'

 

[fuzzgun19]

Quick question.

 

The amount we are claiming on this Abbey account is less than the overdraft (claiming approx £900, OD is £1750)

 

When they refund the charges, will they be awkward and demand the rest of the OD back?

[fuzzgun19]

Have today received another '**** off' letter below, which I assume is in response to the LBA.

 

Can anyone answer the above question for me?

 

[fuzzgun19]

Hi,

 

MCOL still showing 'Issued'.

 

Just downloaded the basic court bundle (thinking ahed). Think I'm going to be totally stuck when it comes to doing it, have Nooo clue what to do with it or what any of it means. Cant even see where to 'adapt' it to my own circumstances...

 

REALLY hope it doesnt get that far, although from reading threads seems theres a high chance it will

 

Also, if I ever managed to work out the 'bundle', can I claim anything back for costs of the giant amount of paperwork/printer ink?

 

This bundle thing really putting the s**** up me tho, cant see me getting any further than the AQ.

 

I must be really dense, as everyone else seems to be ok with the bundle!?

 

ok, im done moaning....(for now)

[fuzzgun19]

I would like to make a complaint against Abbey for not sending my 'Microfiche' statements.

 

I have looked at the online complaint form HERE but sections 6 - 10 I dont know what to put/how to word it.

 

Has anyone else had problems..? If so what did you write in these sections?

 

[skbuncks]

Hi Fuzzy, This is what I put for bcard, cant remember where I stole it from. just amend accordingly

Section 6

On the xx/xx/xx I made a S.A.R - (Subject Access Request) to Abbey requesting details of transactions and charges levied on my account for the previous six years. Additionally I requested that where there has been any event in my account history over this period which has required manual intervention by any member of there staff, or any other person, that I would require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with them. They responded with some limited information in the form of statements from xx/xx/xx onwards.

They claim that information prior to xx/xx/xx is exempt from the Data Protection Act as 'Statements are copied onto microfiche in date order and more than one customer statement may be held on an individual film of microfiche. These statements are not stored by reference to account number of customers name and are not "readily accessible" within the meaning of the Data Protection Act. These statements are not retained in a relevant filing system and therefore do not fall within the class of documents to be produced pursuant to a subject access request. They can be obtained from out Customer Services Dept at a cost of £x per statement'.

I believe that they are erroneous in their assertion that microfiche is not a relevant filing system and that their archives are indeed subject to the 40 day ruling of Data Protection Act disclosure. Accordingly Barclaycard have not yet complied with their obligations under the Data Protection Act 1998.

Section 7 - date of fob off letter

Section 9 - All relevant documents - copy of your SAR and Abbey fob off plus any additional correspondance you entered into regarding mfiche

Secion 10 - List them

 

that should do it

 

skb

[fuzzgun19]

Thanks alot skbunks, I'll give it a go.

 

-Kate

[fuzzgun19]

Just another question.

 

On the online 'Enquiry submission form' HERE at step 3, what do I write in the blank section 'Enquiry Details (Mandatory)' ?

[fuzzgun19]

Sorry to *bump*, can anyone answer the above question?

[fuzzgun19]

*Bump* Anyone?.....

[fuzzgun19]

MCOL Still showing 'Issued'.

 

Their 14 days is up tomorrow morning, what do I do if they have done nothing before then?

[fuzzgun19]

MCOL is showing 'Acknowledged' (on the 14th day too)

 

I assume this gives them an extra 14 days to do something?

[fuzzgun19]

Received the following letters today -

 

 

[fuzzgun19]

Also received this letter.

 

What should I do in response, as I already sent them a breakdown with the LBA?

 

Could I fax a response, if so what shall I write?

 

[Michael Browne]

You should have sent schedules to MCOL when you filed (the template POC's mention this). Send 1 with your AQ.

 

In the meantime send a copy to Abbey with both reference no's ASAP

[fuzzgun19]

I have done this cover letter, and will fax the schedule and also send a copy in the post.

 

Can someone tell me if this letter sounds ok?

 

Abbey PLC

Abbey National House

2 Triton Square

Regent’s Place

London

NW1 3AN

 

29-Nov-06

 

 

Dear Sir or Madam,

 

Re: Your Ref TS6B03/BCT

Claim Ref 6QZ83014

 

I am in receipt of your letter dated 24/11/2006, outlining that you need details of my schedule of claim, showing how the amount is made up with reference to each charge.

You are already in receipt of this schedule, as I forwarded it to yourselves with my ‘Letter Before Action’ dated 28/10/2006.

 

Another schedule of charges is attached with this letter as you requested.

 

A copy of my schedule of charges will be forwarded to you by fax and also by post.

 

Yours faithfully,

[Michael Browne]

Fine. Don't forget to include 1 at AQ time

[fuzzgun19]

I have received the MICROFICHE!!!!!!!!!! (only took 3 months to get them lol)

 

ok, I have checked the 'estimated charges' and was only about £10 out - Estimated total £729.76, Actual total £734.00.

 

What do I do about this now? I assume Abbey will 'Defend' any day now...

 

Will I have to send out amended schedules as I said I would, and to whom?

[fuzzgun19]

Thanks karnevil.

 

Is there a template cover letter to send with the amended schedule?

 

and the copy for the court, I assume thats the one in Northampton (21-27 St Katharines Street)?

[fuzzgun19]

ok.

 

Could I put this?

 

"Dear sir/Madam,

 

Following the receipt of missing microfiche statements, I am enclosing my amended schedule of charges.

 

Yours Faithfully"

 

[fuzzgun19]

Can anyone tell me if the above is ok?

 

I'd like to get the letters sent tomorrow...?

 

Thanks

[Michael Browne]

I'm all for brevity, but a 15 word letter is taking it to the extreme.

 

I suggest you ask for Abbeys agreement to amend your schedule, due to their reluctance/refusal to supply microfiches and that the correct figures are v. close to your estimates

[fuzzgun19]

Sorry for being thick, but can anyone help me with the cover letter then, as I otherwise dont know how to word it and there's no template?

[fuzzgun19]

*Bump*

 

Update: Decided not to send an amended schedule, as the amount is so little between the estimate and the actual amount (£4.24)

[fuzzgun19]

I have received the Microfiche statements AFTER I files a court claim (has been 'defended' today).

 

I have checked the 'estimated charges' and was only about £10 out - Estimated total £729.76, Actual total £734.00.

 

I would like to send a letter to the court/abbey, with an amended

schedule of charges, but dont know how to word the cover letter..

 

I would like to send the letter yesterday.

 

Please could anyone suggest what to put??