Abbey closed account

[CunningStunt]

Hi, after sucessfully claiming against HSBC, over £5,000 reclaimed by myself and two sons, I am now helping a friend with her claim against the Abbey (she doesn't have internet access)

 

She has received her statements and sent the prelim letter. LBA was due to be sent on 27th Ocober but I felt I needed some advice first.

 

She is a single parent, with two young children, her mortgage is with Abbey as well.

 

She only has her income support and child benefit and pays in money on a weekly basis. she has charges of up to £140 in one day when she was only overdrwn by a couple of hours.

 

After the prelim she received the usually stalling letters, then offers of goodwill. 1 letter actually says the money had already been paid into her account but it wasn't. We did write back and accept the GOGW as part payment of the claim but the money did not appear. Offer was for £150 on one account and £570 on the other. The £570 would include £140 due to be deducted in October.

 

Then on 27th she received 2 letters, 1 from David Bennett saying he was not prepared to increase his offer (bearing in mind she still hasn't received the GOGW money) and refering her to the Financial Ombudsman Service if she wanted to contimue to complain and a second letter from Allen Betts closing her account because she is overdrawn. (over draft is £140, the same amount as the charges taken from her account at the beginning of october and supposedly refunded by David Bennett.

 

Should we continue with the LBA, or do you suggest a different approach. Her total claim for both accounts is around £1500.

 

We would really appreciat your help.

[bp]

I'd say go for it but get her to open a new account with a different bank. Lets face, they are going to close her acc so what's the point in being nice?

[ED1237]

I would agree. Proceed to LBA. As she's on income support, she wont pay any court costs either so she can file as soon as the LBA expires.