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santander reclaiming...How Long does it take ??? no. 2


sandrajl
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Good Morning Everyone,

only just joined site so this is all new & scarey for me, so any advice & info on claiming bank charges for last 6yrs from Abbey Nat would be greatfully received....

 

Sandrajl...xx:confused:

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Hello and welcome,

Start by reading the FAQ’s here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

The letter templates are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

And guidance notes are here:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Finally start a thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.

Best of luck with your claim.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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can anyone give me some easy step by step advice about reclaiming charges from the Abbey for the last 6yrs as its got to the point i may have to sell mine & the childrens home as they drain my acct with DD charges every month.........dont no if a single mum with no legal "know how" can win ??:confused:

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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thanks Closey, but it all seems very confusing for someone with very limited comp skills & no knowlege of the banking laws. PS what the difference in acct holders ????

xx

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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It is easy!!!

 

I was very nervous about the whole thing when I started, but it just takes time and a bit of patience. Hopefully I am now only a few days from resolution (maybe a bit longer to get the actual cheque in my hand lol), I started my claim on 2nd May.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Hey don't worry, it is a mindfield to begin with. There is a lot to read and take in. Thats why we recommend reading all the FAQ's first. It's also worth taking time out to read other peoples threads as it can be really educational.

 

The account status is just a reflection of how many posts someone has made on the forum.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Welcome Sandra, perhaps the thing to do first is to open another account and transfer all your payments and DD's over and then start the action, above all, dont let them bully you!!! and if you need anty help or advice or just someone to let off steam too, there is always someone about :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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hey im not so new but still am confused every step of the way but somebody on this site always helps and reassures you so hang in there where all in the battle together. Hey until i joined this site i didnt even have an email address!

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how long does all this take ?... as again this morning a received 5 more letters from abbey telling me that my DD were unpaid, so this is 5 more £30s a time they will take out of my acct at the end of the month, the only reason the DD werent paid 1st time was because they'd taken £240 as soon as i'd got paid last month.... i really dont think i can ever win this game as this afternoon ive just found out ntl have cut my phone line off !!!:sad::-( :-(

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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have sent 1st letter requesting statements off today......

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Mine took 3 months but I have sped up the process after submitting the allocation questionnaire by negotiating a settlement. I would expect another few weeks on top of that had I not started negotiations.

 

Yours may take a bit longer as I already had all my old statements. Good job I never listened to my mum when she was telling me to chuck all that old crap away!

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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mines took since April and it's still ongoing! it does drive you mad a bit all this waiting, but I'm not going to give up, and you shouldn't either, after all it's your money!

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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is it right.... does anyone know if the phone company can just cut you off with no warning ???? only its never happened to me before:confused:

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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yes they can if you have anything outstanding or owing, sorry.

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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:( looks like abbey have cottoned on to so many people doing this and are now putting up a defence !

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Get shot off abbey and your DD's if you can. Get a new account and sort out what you absolutly need to pay for by DD. It is the banks that are dictating how we should all pay things knowing that a percentage of people will fail and make them money. These B**tards have it sown up, don't let them take your money.

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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well... have this mornig just been OK'd for new acct with new bank, they will do all switching DDs & Salary for me if i want @ no extra cost (how kind of them:rolleyes: ) and am waiting to see if am accepted for 6mths 0% int B/T on new CC ?? .

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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QUICK UPDATE: have sent 1st letter requesting statements off on thursday10th aug, now just waiting. just received another£30 DD charged letter from abbey along with my statement telling me they will be taking £260 from my already overdrawn acct at end of mth ........ brilliant ! what sense does that make!:-x

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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make sure you add any charges they make on your account this month onto your schedule and update the figure when you get to letter before action stage! Don't let them get away with anything!

 

I started mine in May and I'm hopeful my first claim will be sorted in the next month or so (second claim is lagging behind a bit, Ithink the solicitors are going to go for a set aside as it is 14 days since the claim was issued)

 

NTL aren't the nicest people when it comes to phones being cut off. You only get a few days after they tell you there are some arrears (in that particular month) and then they pull the plug.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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But they didnt even tell me i was in arrers till after theyd cut me off,(10/08/06) then said i had till end of this mth to pay£70,or iwill be cut off again, but only got my £70 bill this morning !! ........ well atleast they gave me notice this time i supose .

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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But they didnt even tell me i was in arrers till after theyd cut me off,(10/08/06) then said i had till end of this mth to pay£70,or iwill be cut off again, but only got my £70 bill this morning !! ........ well atleast they gave me notice this time i supose .

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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But they didnt even tell me i was in arrers till after theyd cut me off,(10/08/06) then said i had till end of this mth to pay£70,or iwill be cut off again, but only got my £70 bill this morning !! ........ well atleast they gave me notice this time i supose .

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Spoke to lady from abbey this afternoon and explained my situation and she said i needed to speak to Debt Management Team....after several mins on hold spoke to the adviser and again explained situation about they keep taking charges out so cant pay DD and he suggested that he could do 1 of 2 things

1st, was a "overcash arrangement" where abbey keep back xxxamount of my money to pay my OD & charges off and they would very kindly let me have the rest of my money, but only in cash to pay bills,

OR they could EXTEND my OD so i could pay the £260 charges this mth but then next mth and every mth after they will reduce my OD down to 0....when i asked why 3 mths ago they wouldnt extend my OD so i didnt get the charges for unpaid DD he said "because there was no need to", when i said that if wasnt for the charges being so much i wouldnt be in this mess and i asked exactly how much it cost to inform me that my DD wernt paid he said ...." it costs nothing " .......has anyone else had this reply ????

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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please please please , go and set up a new account. The Nat West Step Account has no credit checks, you can pay in salary, operate DD's and Standing Orders from it and, whilst you don't get a cheque book and Cheque card, you get a Solo card which is almost as widely taken these days.

 

Don't let them do this to you anymore.

 

I had the overcash arrangement after running up all the charges just over three years ago. It was after I'd been really ill and my finances were in a mess. It was a real pain. Every month, they kept £100 back in my account and I would arrange to pick up the remainder of my salary in cash . I then went across the road to the NatWest (where I had a savings account) to pay all the bills (as the Abbey were charging £5 to pay a bill (and it was per bill as well!) over the counter and then take the rest of the cash home to use over the month.

 

When you get your charges back, you can pay back your overdraft and close the account. As far as I am aware, they can't default you if there are charges in dispute, so I would find another bank asap.

 

IMHO of course!!

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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