Help with preliminary approach for repayment letter

[jody0524]

oh i forgot to ask who do i address the court letter to, the head office or the complaints department where the previous letters have been sent?

 

Thanks

[jody0524]

thats great thanks

[bluemoon_andy]

I've only just started out against Abbey

- did the prelim letter with a SARN request

- got my statements

- used the spreadsheet to list the charges (2K)

- sent an LBA with the schedule

- have received the standard complaints 'we will look into it' crap, today

 

I'm now waiting another week for the 14 days to elapse then on we will go to the next stage.

 

I wanted to say to any posters that I've found the process relatively simple to follow once I'd got my head around it and read the advice on the site. The site isn't fantastically laid out, but it is worth reading through some (possibly) irrelevant material in order to get a fuller understanding of what you are doing by the time you find the particular nuggets you need.

 

It isn't a quick fix. I had a home repossessed in the 90's and went through a long and drawn out process with the legal system before getting most of the debt written off (see home-repo.org). This seems very similar. What got me and thousands of others through that was

 

- You have to be persistent.

- You have to hold your nerve.

 

Once banks realise that you won't go away, that you won't engage in six months of navel-gazing, and that you are not frightened of them, they will give up and they will pay up.

 

Keep The Faith - as we say at Man City.

bluemoon_andy

[argirossi]

You are correct about the 8% being at the CC summons stage.

 

The overdraft interest calculation is complex, as first you have to work out what periods you were in overdraft. If you were permanently in o/d then that simplifies things.

 

What you then need to do is divide your o/d interest rate by 365, to get a daily rate - then appy it to the individual items on the spreadsheet.

 

Have fun!

hi this is argirossi and I am slowly understanding how all this works, just posting this to say thanks thank thank I am undestanding.........

[TJ.Daws]

Hi, I am also ready to send my prelim letter. I have completed my schedule of charges although chose not to claim the overdraft interest at the moment as it seems v complcated (although I will be adding the 8% at cc point) What I did realise when doing my schedule of charges was that there are a couple of statements missing between the end of the 'microfiche' documents and the actual copies statements. I suspect there are some charges durinfg this time but don't want to delay sending any longer as I have procrastinated long enough. Would it be wise to add some type of notation that there may be further clims for any amounts during this time (alhtough it may take me forever to get the statements) Any advice would be gratefully received.

 

Thanks

[Mad Nick]

TJ,

Would it be wise to add some type of notation that there may be further clims for any amounts during this time (alhtough it may take me forever to get the statements).

That sounds a bit neither one thing nor the other. Realistically, they're not going to turn up unless you get tough with Abbey. So, knickers to "notation", you have to make it very clear in your Prelim that they have not fully complied with your S.A.R - (Subject Access Request) (which I think you did) - specify which months are missing and when you want them by. If they still don't comply, just use the data you have to estimate the charges for the missing period and include that in your LBA and N1 highlighting it as such. Regards, Mad Nick.

[Kevbirch]

Sounds like LBA time

[fairyprincess]

hi

 

this is all new to me. we have just got our 6 years of statements and charges are £2,200. how do i add interest and how much do i charge?

 

according to the bank statements they charged us 29% can i charge the same??????

[fairyprincess]

just seen i am on abbey page i bank with natwest sorry

[donthateme]

8% is fine but you have actually been charged more, if you have a copy of your tarriff of charges you will see that the current "unauthorised overdraft" is at 28.9%, authorised od charges would be wither 10.9 or 16.9% so I would ask abbey to confirm this, or go thru your statements and calculate exactly how much. I work for 'em so don;t let them get away with paying any less!

[shamrox]

Hi, K here, first time user and dont have a clue how to start this ball rolling, am living in Ireland but have lived and had an account with Abbey for app 11 years.. i not only have a current acc but had a cc also.... amy seem a bit silly but how do i get onto the "bank templates library".... any help much appreciated..

[fendyweather]

Opening CAG Page, left hand side, Templates library. Link here:

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=category&sectionid=7&id=19&Itemid=36

Good Luck. Fendy xxxxx

[shamrox]

Thank you v much, do you know if I had a previous cc account can i include this in my initial letter to abbey.... i do not have the past details of the cc account..

[argirossi]

hi I must admit it all seems really confusing but it very slowly falls into place eventually, i felt a bit silly at first but that wore off pretty quick;)

[philread1]

Thank you v much, do you know if I had a previous cc account can i include this in my initial letter to abbey.... i do not have the past details of the cc account..

 

Hello Sham

 

You are allowed to ask for all info they hold on yourself, no matter whether you have held 1 account with them or 10!!!!!!!! Info on all the accounts you ask for in your name should be supplied by the shABBEY for a max. £10, hence why you give them the £10! Put all the info you require in your initial letter.

 

Phil:)

[scousepie]

You can send it to their Complaints department:

 

Complaints

Abbey

PO Box 5129

Milton Keynes

MK9 2YN

 

Though it does'nt matter if you send it to their head office at Triton Square!Their address when you start court action is:

 

Abbey National plc

2-3 Triton Square

London

NW1 3AN

 

Phil:)

 

Hi Philread1,

 

I sent my court bundle to Abbey Milton Keynes registered post should I have sent it to the London address?

 

I have checked the Royal mail website and it says it has been delived and signed for?

 

You know what its like in MK they seem to loose alot of paper work for some strange reason.

 

thanks

Dave

[shamrox]

Thanks Phil!! have sent the letter as of yesterday (well my sister did as im living in ireland) so fingers and toes crossed have sent the initial letter to Tiriton Sq address

[chatterbox1]

Hi

this is my 1st time too! i have 3 years of statements and my charges are in excess of 3k i also bank with Abbey

should i send my preliminary letter for those charges and then do a separate 1 for the other 3 years??

[chatterbox1]

what happens if you don't have a complete set of statements?

 

chatterbox1

[philread1]

Hello Chatterbox

 

If you have some statements in your possession, then if the shABBEY have'nt complied with your Subject Access Request within 40 days, you can start your claim based on an estimated figure worked out from those statements you have in your possession.

 

For example, from the statements you have, work out the amount of charges divided by the amount of months they cover, then multiply that figure by the amount of months you intend to claim for, ie 6 yrs = 72 mths.

 

I hope your maths is OK!!!

 

My claim was based on an estimate, and a few days after I put my claim in, they sent me the remainder of my statements through!

 

Hope this helps!

Phil:)

PS Try and make the figure as realistic as possible, but don't underestimate!

[cotteast]

Hi

 

I am quite new to this. I have sent off the 1st letter asking for my bank statements for the last 6 yrs and giving them 40 days, that was on 26th February (recorded delivery). Since they hadn't replied I sent a chaser letter of 27th March to remind them and now their time is up. Since the 2nd letter says the amount is £xxxx and I don't know how much yet to claim what do I do to get them to respond to my 1st letter or at least acknowledge it if there is a backlog. I am worried that they think that if they do not respond I'll go away, whereas I don't want to do the wrong thing and make a mess of my claim cos I think it may be for quite a few £.

 

I would be helpful to any help on this

 

Angie

[cotteast]

Hi

 

Not sure if my first message worked - so I am asking again please.

 

I have sent my initial letter requesting my statements and saying they have 40 days to reply and enclosed a cheque for £10. I sent it by recorded delivery on 26th February but they havn't replied to me. I sent a chaser letter on 27th March, but still nothing. I can't send the 2nd letter yest as I don't know what they owe me. What can I do now as I don't want to jeopardise my claim. Can anyone help me please. I'm a bit nervous.

 

Angiepan

[philread1]

Hello Angie

 

As I've said in my previous post, you can now proceed with an estimated claim through MCOL, what I did'nt really say above was that you can still proceed down the estimated route even if you have no statements. As long as you can show that you have tried to work out the charges as realistically as possible, putting an estimated claim together is fine. Once they receive your claim from the courts, that will kick them into action if nothing else does to get your info to you! Just make sure your estimate is higher rather than lower than your expected charges!

 

Before that, maybe try calling Pam Speed and try getting your info off her. Her no. is 08457 654321

 

If you have no luck with Pam, go forward with what I mentioned above.

 

Phil:)

[chatterbox1]

This may sound like a really stupid question!! Do I send my statements to Abbey with my letter or should I send them a photocopy?

 

Chatterbox1:o

[philread1]

Hello chatterbox

 

Remember, there is no stupid question on this site!!!!! We've all been where you are now!

 

You have to send a copy of your schedule of charges with both your Prelim & LBA. This is made up of the charges you think that the shABBEY have hit you for.

 

Take a look at Griggsy's thread, I've just written a long post on his thread to try and explain how you do your schedule if its estimated!

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/81848-abbey-no-reply.html

 

If you need any more help PM me!

Phil:)