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Claire V Abbey *WON*


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Right....OK I think it's time to get me a little payback!!

Having been introduced to this site by my sister (Sindy) and taking a good look around I know that trying to reclaim all the charges that the Abbey have taken off me for the last amont of x years isn't going to be easy.

I went through my statements tonight which date back to Dec 03 and totted up to over £1300 and that's with just over 2yrs worth with about 5 statements missing. Apart from feeling stupid at allowing my account to incurr such costs but I'm also angry:mad: .

I'm rarely out of my overdraft so when they increased it:o I was shocked but looking at the above figure I'm not so surprised now....I'm a dead cert for gaining charges and coupled with my bad management with money no wonder they increased it:-|! They were onto a right winner with me!:D

However I don't think that it warrants them taking such a vast amount of cash off me!!

So here goes. I'm sending off a letter to request all my statements for the last 6yrs and go from there!

Great site by the way, really informative and gave me the motivation I needed! And of course Sindy (who's already a member and has really white teeth)!!

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Welcome to the site and good luck with the claim. Anger dose motivate, when I reached £5000 in under 3 years felt just like you. I think a lot of people blame themselves, like you I thought we were bad with money and bad managers of our finances. The bank in their correspondence and defence will imply that very point, but the fact is the vast majority of people are victims of circumstance first and victims of the bank second. Always keep that in mind when claiming your money back. Good luck.

 

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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  • 3 months later...

I hope some one can advise me:D .

 

I really need to know how to lay out my charges to send to the bank.

 

I've had a look round the site but I can't find the spreadsheet:confused: .

 

Any help?

 

I'd be grateful.

 

Many Thanks

 

Claire

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Hi claire,

 

Add this to your favourites......it's a godsend

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

The spreadsheets are under 's'

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Claire,

I'm rarely out of my overdraft.
Same here. But what it means is that when you get to work out what interest to claim, give very serious thought to reclaiming the interest they applied to the charges at the authorised overdraft rate (16.9%) rather than the pathetic 8% the Court would award by default. I'd guess that the difference would be at least £1K in your case and this is money (interest on the charges) which they took from you, not you being greedy. In fact, without the charges you probably wouldn't have been in overdraft either (and been charged less interest). Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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  • 3 weeks later...

Thanks for your replies.....

 

I've filled out the simple spreadsheet listing all my charges since 2000. A problem I've incurred is that when Abbey sent me my statements I can't see what my balance was at the time of interest charged thus not being able to calculate what proportion of the interest is due to the charges.....if you know what I mean:confused: . They sent me microfishe.:mad:

 

So would I be able to continue with my claim leaving out the interest and ajusting the prelim letter accordingly?

 

Any advice -I'd be most grateful:D

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Well here goes!

 

Have filled in the spreadsheet and the prelim letter and I'm sending it off tomorrow-recorded.

 

As Abbey has only sent me a list for statements I've found it a bit tricky filling in the interest charged whilst overdrawn, because it doesn't show my balance.

 

 

Can anyone confirm for me that I've got the right address:D

 

PO Box 297

Bradford

BD1 1BR

 

I got this addy from the contact info!

 

I'll be waiting now for my standard palm-off letter!:D

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I sent off my 1st request for payment on the 13th and a I've received what seems to be the usual palm-off letter....sorry your unhappy...blah blah....we need 4 weeks to say we're not interested!

 

So I'm preparing my 2nd request to send off when the first 14 days are up:-D .......

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Hi wap,

 

Going well so far! Just stick to your timetable and ignore any letters from Abbey saying " our investigation will take 4 weeks" because they're just delaying and hoping you'll go away

 

:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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  • 3 weeks later...

Righto I've done 3 copies of the N1 and attatched the charges.

Now this is where I'm confused. I know I have to take 2 copies to the court, do they send one to the defendant? Or do I send a copy to them?? And do I just wait to hear from the court? Is it 28 days?

 

Many thanks:D

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Claire,

 

You take all three copies to the court, where they stamp them, give one back to you, keep one, and they send the third off to Abbey. They will then send you a Notice of Issue in a couple of days and then from there the Abbey have 14 days to acknowledge and 14 more to defend

  • Haha 1

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Now I'm really confused:? .

 

Tried to file my N1 today and the clerk at the court house said I have to show my daily rate of interest on the Paricular of claim section.

 

When I tried to point out to her that it's on the attached schedule, she said it has to go on the POC section.:-?

 

So now I'm sat at home wandering where I've gone wrong. For the life of me I can't see it.:-|

 

Please- any advice??

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Hello Clare

 

The last sentence on your POC, or last bullet point, should read:

 

"The claimant claims interest under S.69 of the County Courts Act 1984 at the rate of 8% a year of £XXX, and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £x.xx"

The daily rate of interest is worked out as follows:

Total Amount of Charges x 0.00022

This gives you a daily figure in pounds!

Hope this helps!

Phil:)

  • Haha 1

This is only my personal, honest opinion!

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