Anney63 v Abbey *** WON ***

[anney63]

Hi I am new to the forum but am finding it an absolute godsend.

 

Abbey closed my sons account due to funds not being deposited charges were leaving him no money at all at end of month so changed his account.He has been making regular payments never missed. Still has balance left. I have sent off SAR got allsorts of print outs including info on someone elses accounts (from data Protection dept!!!!!) also got another letter Microfiche cop out from different address. Followed through with Non Compliance. Spoke to Sheena Small on Friday 13/10 has promised the balance of papwerwork will be with me By 19th as requested. I Have been trying to get these since 12/8 original request made to his branch.My belief is that he is own thousands in charges. Can he still claim even though account closed ???

Terrific Site By The Way

[Guest ian cognito]

Yes no problem, it makes not one bit of difference that the account is closed, they still owe him the money.

 

Usual delaying tactics by Abbey, probably just to waste time and put people off, doesn't work tho does it?

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/38333-information-commissioner-finds-against.html#post301089'

[anney63]

Certainly . He's getting married next year so here's hoping.

[bish]

Good hunting anney63, hope you are making him do some of the leg work, and he apreciates what a good mum he has. Need any help just ask.

 

Regards bish.

[anney63]

Hi

Been getting spreadsheets prepared nearly ready to go uo to over 7k with interest . Just want to spend time checking everything. Quite enjoying the challenge

[Guest ian cognito]

If thats statutory interest @ 8% don't forget to take it off for your letters to the bank! if it's contractual interest - go for it!!!

[anney63]

No just normal interest Going to send Prelim Tomorrow.

Grateful for all the help will need it. If I have to file N1 will bring amount to £9100 +

[bish]

Hate to be a kill joy, but sure you will have to issue a claim. Looking at your thread you are more than up to the challange. Good luck and best wishes, and if you need any help just ask.

 

Regards bish.

[anney63]

Starting new thread under Abbey as advised now I'm used to the site.

 

Just to recap I have most of the info I need.

Except Abbey have missed 2 months in 2002.

I spoke to Sheena Small (Data Protection) 26th and asked for letter confirming cannot find 2 months.

 

She has been really helpful and has actioned everything she promised was advised a mail would be sent to the dept concerned giving them another chance and a letter would be in my hands before the 9th November when my LBA is due cinfirmed conversation in writing.

 

I have claimed £7395 on Prelim sent 26th October.

This is all on behalf of my son.

Not very good when it comes to figures and letters but a superb tiler and not a bad son either.

[livelylad]

Starting new thread under Abbey a advised now I'm used to the site. Just to recap I have most of the info I need. Except Abbey have missed 2 months in 2002. I spoke to Sheena Small (Data Protection) 26th and asked for letter confirming cannot find 2 months. She has been really helpful and has actioned everything she promised was advised a mail would be sent to the dept concerned giving them another chance and a letter would be in my hands before the 9th November when my LBA is due cinfirmed conversation in writing. I have claimed £7395 on Prelim sent 26th October. This is all on behalf of my son. Not very good when it comes to figures and letters but a superb tiler and not a bad son either.

 

Best of luck Anney

[anney63]

Thanks Gonna need it and loads of help too:mad:

[GaryH]

You'll be fine! For inspiration, have a good read some of the threads in the 'Abbey successes' forum.

[anney63]

Hi All

Been reading and reading so i feel more confident now Have sent my Prelim but will amend schedule if missing 2 months turn up. If not will estimate. If it goes as far as court will I be allowed to sign everything as my sons representative.???

[anney63]

Hi All

Guess what!!! that nice lady at Abbey (Sheena Small) has phoned to say they have found my missing months and kindly faxed them to my work and posted them. Really easy person to deal with. Sons claim going up now by another £180 plus interest. Do I send a new schedule now or wait until LBA 9th November ??

:)

[GaryH]

No need, just send the new schedule with the LBA.

[anney63]

Hi Again

Nothing in response to Prelim. I am about to send LBA can I sign this on behalf of my son as I have letter of authority on the account and it will be me who takes the court action etc. We live a few miles away and I really want to get this in tomorrow If i'm right I think I can act as his agent. HELP!!!!

[anney63]

Well here is the old pensioner again.

Sent LBA signed on behalf of my son as they have a letter of assignment from him stating that I can deal with his account matters. Here we go. A little apprehensive but looks like load of help available "Will Need It":oops:

[GaryH]

As long as your prepared to be a bit persistant, you'll get back whats yours without to many problems. Its always a good idea to familiarise yourself with the process by reading the FAQ section (link in my sig) and some other Abbey threads, if you know whats coming next you'll feel far less apprehensive about it.

[anney63]

Hi Gary

Appreciate your support I have printed off all forms court bundle and am slowly ploughing my way through. So that when the time comes I will be ready. I will act as my sons agent do you know if this is ok ?

 

[GaryH]

Its good that your thinking ahead, but I'm sure it won't get to the stage where you needed to go to court. Don't get me wrong, its sensible to prepare for every eventuality, but thousands of cases have been settled so far, without one single court appearence. If however it did get that far, yes you would be able to act on behalf of your son - as his 'lay representative'. A good time to inform the court of this intention would be on your allocation questionnaire, but thats still quite a way off yet.

[anney63]

Hi Again

So my next stage will be mcol or n1 can I complete this or will my sonneed to sign. Just like to keep 1 step ahead and be prepared on time . Not going to give any extra time unless in my favour. Always glad of any extra tips:rolleyes:

[GaryH]

Thats right, Prelim - 14 days, LBA - 14 days, then file a claim.

Your son can sign the forms, this will not stop you acting for him on the day should you need to.

[bish]

Hi Again

So my next stage will be mcol or n1 can I complete this or will my sonneed to sign. Just like to keep 1 step ahead and be prepared on time . Not going to give any extra time unless in my favour. Always glad of any extra tips:rolleyes:

 

Hi Anney

 

As your son has given written permission to act on his behalf I do not see a problem. Concidering the amount of the claim I would be inclined to go down the N1 claim form rather than MCOL, as you can put a full schedule of charges with the N1 claim form that is not possible with the MCOL route. Best wishes.

 

Regards bish.

[anney63]

Hi Bish

Yes I think you're right printed off form to make sure I get it right when the times right, I like to think and plan ahead. Thanks for your help hope things go well for you . Keeping my eye on your claim as the value is similar.

A:smile:

[bish]

Hi Anney

 

Just got a reply from Karnevil and srfrench putting my mind at rest, wife going in for major operation on 28/11/06, what with Christmas coming up was hoping to get this sorted before then. Just being a bit jittery, want this sorted ASAP, but in the hands of others as usual. Best wishes and patience.

 

Regards bish.