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The Y's V Abbey - Claim submitted ** WON **


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Hello,

My 1st post on this brilliant site, and I am excited but nervous. Have already had 6 yrs of Abbey microfiche statements sent to me after paying my £10, (which they took out off my account on the same day they recieved the letter!) Have just sent off my 2nd letter giving them 14 days to give me a payment date, and claiming £782 for unpaid DD charges from 2000 to date. So far Abbey have been very fast with replying to me, and sending statements etc, hope this carries on!

Have been a customer of Abbey since 1978 and I am very nervous about all this. I know I am in the right to do it, but it still is a scarey thought.

Just read alll the posts about the bog off letters you have all recieved too. I suppose mine will apppear any day now! Anyway, the 1st 14 days is up on 21st November, so we will see what happens by then, if anything.

My fingers and toes are crossed as its about time I had a bit of luck!

Any advice would be great, as I am so nervous about all this.

Will keep you all informed.

Thanks!

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Thanks DS, and good luck with your claim too!

I posted the 2nd Letter - Preliminary approach for repayment on 7th November and today is the 10th November and have just had this morning a 'ta for your letter, sorry your unhappy' letter. Is this a record? 3 days to get a letter from the Abbey!!!

This is what I had:

Thanks you for your letter, I am sorry that you have been so unhappy that you have felt you must complain.

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer sevice is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timley and satisfactory manner.

I know it is important to you that we resolve your complaint quickly, but we want to do a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks time to let you know what is happening.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with.

M Winder

Head of complaints

I have a few questions to ask if thats ok.

I presume this is a standard letter? And that I do not respond to it?

Am I right in thinking at the end of the original 14 days, which is November 21st, I then send off the LBA to the Abbey?

I am very nervous about all this but determind to claim back what is rightfully mine and any advice would be welcome!

Thanks!

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Actually, I got a few dates wrong in the post above, the letter from Abbey was written on 10th November, 3 days after I posted my prelim letter, and I had the letter today Monday 13th November.

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Hi Jany40,

 

Good luck in all you are doing. I am just about to send in my initial letter with schedule of charges and I am absolutely terrified! It comes to just under £3000 for the last six years. I know i am entitled to it but I am so worried that they will shut my account down and I haven't got a parachute account or the credit status to get one opened. Anyway, fingers crossed for you, will keep you posted as to my progress and I look forward to reading yours.

 

Sue

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Hi Sue, I know what you mean about scary, but like you say, its our money and its only fair we get it back. About the parachute account, I have read somewhere on here on one of the forums that a Nat West Step Account is the best one to go to if your credit score is bad, so thats the one i am going to try anyway.

I am also sort of now excited about all this as well as its quite a challenge for us 'normal memebrs of the public' to take on a bank!!!;)

Good luck with your claim, keep in touch

Jan

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Hi Jan,

 

Thanks for the tip about the NatWest Step Account, that's really helpful. I sent my preliminary letter off today with my schedule of charges so I will keep in touch as soon as I have any info.

You're sooooo right, it is exciting to be taking on the bank and I'm getting really upbeat about the whole thing now. BRING IT ON!!!!!:D

 

Good luck, Sue

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Hi,

I can totally understand why you guys/girls were terrified but dont forget they took your money. You are only reclaiming what is yours.

I have just recieved my statements through for the last 12 months with the promise that those now stored on microfiche will follow.

So far my charges amount to £825.

I will of course be persuing them for this.

My main question on this is, that as the 40 days are almost up, do I make a claim now or wait for the rest of my statements to arrive.

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I am totally piddled off this morning. Had a letter from Abbey refusing to pay. They have said it is our fault we got charged!

 

Account numberXXXXXXX

 

Thanks for your letter dated 7th Nov about your bank charges totalling £782. I am sorry you feel these are unlawful at common law, statute and recent consumer regulations,

 

Having carried out a full investigation, I can assue you that the charges do not contravine those regulations and therefore I cannot refund them.

The regulations say that we must explain our charges in plain language and that we have to act in good faith, which, according tp the office of fair trading, means dealing fairly and openly with customers.

 

I therefore reviewed the litrature and information you recieved when you opened your account, including the terms and conditions. This explains that charges will be applied if you do not keep to the terms and conditions of the account. Because of this I believe we have been fair and open in telling you about them. The charges were correct because you did not have enough money in your account to cover payments requested from it. When I look at your account I found that unfortunatly this was not the first time this has happened.

 

I can see we have refunded charges in the past as a gesture of goodwill, we also did our best to make you aware the importance of managing your account to prevent this from happening again.

 

I am confident that I have been fair and have and have taken into account all the points you made in your letter, but if you have any additional points you would like to discuss with me please call me on..........., I have enclosed a leaflet about the financial ombudsman service in case you are not happy with my investigation or decision. If so you should contact them within 6 months enclosing a copy of this letter as they would need it for thier investigation.

 

Now, this is the bit I am so annoyed with, I feel like they are patronising me, and I dont like thier wording at all

 

I hope we can work together to avoid charges in future. Little things, like checking your account as often as possible and looking at the dates of direct debit to make sure they are taken shortly after money is paid in. If you feel you might need longer financial helpo or advice please call .......and we will be happy to help

 

Senior customer resolutions manager

 

 

 

So, I now feel totally fed up, I am asking myself is there any point in carrying this on.

Has anyone else had a letter like this from The Abbey and you carried on and you have won and they settled in full?

Also, do I now have to wait for the 1st full 14 days before I send out the LBA.....that was due to be sent on 21st Nov originally if I had no reply.

Do I have to give them the full 14 days to offer a refund now, even though they have written and refused it?

I really don't know what to do now, I don't want to let them beat me, but today i feel they are winning.

PLEASE give me some advice!

Thanks

Jan

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Hi Jan

I am sure you should proceed with a LBA immediately - giving them 14 days to cough up and pay you what is rightfully yours. Then at the end of that time just issue MCOL, everyone else has been getting their money back so why should'nt you.

Don't give up! We are all here to support you.

Regards

DS

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Just keep going, it is just a standard brush off letter. You will get the money back eventually, send your LBA, then after 14 days put in a claim.

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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Thanks to you all for your support. I would be lost without you all. I would definatly have given up by now if it was not for you guys, I have today posted the LBA, so they have till 5th Dec now and then it's MCOL .

 

Can I ask what I should expect now? Will they ignore the LBA or is it usual to get some sort of response from them or is that just wishful thinking!!

 

Will keep you posted and best of luck to everyone who is claiming.

Jan

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Hi Janey40

I wish you well in your pursuit of what is rightfully yours.

I've got as far as AQ (Allocation Questionnaire) and shAbbey, unfortunately, submitted its AQ yesterday, so I have to wait and see now.

I'm wondering whether or not this thread is in the right place, as the title is "Abbey and Cahoot successes" - that is why I logged on to it?. Perhaps you need to PM (Private Message) one of the Mods (Moderators) and ask them to move it to the Abbey and Cahoot general action thread space.:confused:

All the best

Sue

Wanabee:cool:but easily :confused:ed!!

23/6 Data Protection Act + £10

6/7 Pam Speed ltr

7/71 yr sttmts (2nd a/c) Faxed auth. 4 £10m'fiche

9/7 Screen prints 1 1/2 mths 1st a/c/2 1/2 mths 2nd a/c

11/7 20 mths sttmts 1st a/c

25/7 DPA reminders

1/8 40 DAYS UP & NOTHING

5/8-8/9, 7/8 3 "sorry not happy"/"m'fiche not covrd"ltrs

9/8 IFO form & backup mat'l

10/8 LBA/calcs 2 Dawn Hoyle

CHECK COPY STMNTS - DON'T HAVE CHARGES AT FRONT

12/8 a/c info fm 2001

18/9 £505 GWP offer

26/9 Rej. ltr/7 days 2 court action (1st a/c)

10/10 Moneyclaim form online (1st a/c)

20/10 Ack of Serv rec'd

3/11 AQ 2 court

20/11 Abbey AQ @ court

4/1/2007 Preliminary court hearing due

30th Dec. 2006 REC'D FULL PAYMENT INTO BANK ACCOUNT - ABBEY's WITHDRAWN!!:D

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Hi Janey40

I wish you well in your pursuit of what is rightfully yours.

I've got as far as AQ (Allocation Questionnaire) and shAbbey, unfortunately, submitted its AQ yesterday, so I have to wait and see now.

I'm wondering whether or not this thread is in the right place, as the title is "Abbey and Cahoot successes" - that is why I logged on to it?. Perhaps you need to PM (Private Message) one of the Mods (Moderators) and ask them to move it to the Abbey and Cahoot general action thread space.:confused:

All the best

Sue

 

Thanks Sue, but I have no idea how to PM one of the mods, but do agree I think I put this in the wrong place. What is this AQ by the way?

Jan

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I managed to open my parachute account yesterday , one worry less now! I opened a Nat West Step account, and even with a poor credit rating, there was no bother, so hope that helps anyone who is worried about opening another account.

I had to laugh, as the bank manager looked at what was coming in to our account each month and decided to apply for an Advantage Gold account...I nearly died when I saw her do this as I knew we would be refused, but anyway, she went ahead and low and behold, we were refused So I just turned to her and said all we wanted was a basic account, to pay a salary into and take out DD's etc, with a debit card, so she decided the Step account was for us...(err yes, thats what I asked for), and she set it up for us.

 

We also didnt need to pay any money into the account to open it, thought I would mention that incase that fact was putting anyone off opening another account till they were able to deposit funds.

Jan

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Thanks Sue, but I have no idea how to PM one of the mods, but do agree I think I put this in the wrong place. What is this AQ by the way?

Jan

 

Hi Jany

 

Don't worry about AQ at the moment - it's what you have to fill in when it is allocated to a court. All the answers are here on the site.

 

PM (private message) to the Mods (or one of them) is again quite easy when you know how! Go to the top of your thread page and click on "Private Messages". On the left is "Create message" and in the message area is a "Receipient" box. Start to type in the name of whichever Moderator you choose - if you don't know who to use, it doesn't matter as they're all great. Just look at some of the other threads to get an idea of who is a Moderator, then start to type in that name. When you've put in a few letters it should bring up a list of those with that series of letters. Choose the Mod you're PM-ing and continue like any email/thread post.

 

Hope that helps.

Sue

Wanabee:cool:but easily :confused:ed!!

23/6 Data Protection Act + £10

6/7 Pam Speed ltr

7/71 yr sttmts (2nd a/c) Faxed auth. 4 £10m'fiche

9/7 Screen prints 1 1/2 mths 1st a/c/2 1/2 mths 2nd a/c

11/7 20 mths sttmts 1st a/c

25/7 DPA reminders

1/8 40 DAYS UP & NOTHING

5/8-8/9, 7/8 3 "sorry not happy"/"m'fiche not covrd"ltrs

9/8 IFO form & backup mat'l

10/8 LBA/calcs 2 Dawn Hoyle

CHECK COPY STMNTS - DON'T HAVE CHARGES AT FRONT

12/8 a/c info fm 2001

18/9 £505 GWP offer

26/9 Rej. ltr/7 days 2 court action (1st a/c)

10/10 Moneyclaim form online (1st a/c)

20/10 Ack of Serv rec'd

3/11 AQ 2 court

20/11 Abbey AQ @ court

4/1/2007 Preliminary court hearing due

30th Dec. 2006 REC'D FULL PAYMENT INTO BANK ACCOUNT - ABBEY's WITHDRAWN!!:D

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Hi Jany

 

Don't worry about AQ at the moment - it's what you have to fill in when it is allocated to a court. All the answers are here on the site.

 

PM (private message) to the Mods (or one of them) is again quite easy when you know how!

 

Hi Sue:)

Thanks for that, I sussed it out in the end and have had it moved to here, so all is ok now. Thanks for your help.

Jan:smile:

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Hi Jany40

 

You are well on the road to getting your money back and good luck with it. Just keep reading the threads, you will find those that are at a similar point to you or further on, and this will give you info and pointers in your own claim. Always remember that the bank want you to think it is all your fault and that they are blameless, that is not true we did not make the rules, regulations or have any influence over their T & C's. If you make a mistake you pay, If they make a mistake they pay and boy did they make a mistake.

 

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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Can anyone tell me what address I put on the MCOL for the Abbey please. I thought I would go as far as I can with the form filling, save it, and then once the 14 days are up after the LBA ( I checked and they had it today recorded delivery), I will be on the ball !

Thanks

Jan

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Abbey National PLC

Abbey National House

2 Triton Square

Regents place

London NW1 3AN.

 

Very plush I am sure.

 

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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Abbey National PLC

Abbey National House

2 Triton Square

Regents place

London NW1 3AN.

 

Very plush I am sure.

 

Regards bish.

 

 

Thanks for that Bish :) I appreciate your help.

Yes, it does sound very plush, bet its all 2 inch thick carpets furnished with our bank charges fees lol

 

Any news on your claims yet?

Jan

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I had confirmation of my account number etc on my parachute account - Nat West Step account - yesterday, so I am now a happy bunny. I know thats all set up if the Abbey decide to close my account.

 

Can anyone tell me if they have to give any notice if they close my account, or, put it another way, even if they do HAVE to give me notice, do they give notice! And if they dont give me any notice and they just close it, can I take it further?

Worried about my DD's and salary with it being so near Xmas.

 

Also just checked my account online and noticed a £10 card payment to HM Courts last week ( an old TV licence fine) so if Abbey decide to look at my account, and spot that, I hope the fact that they notice I have paid money to a court makes them scared lol, Prob not, but It's nice for me to think it will !!!

 

I wondered how many people have recently been offered either a GOGW since they sent their LBA in or full settlement.Wondered if their tatics had changed recently? I sent my LBA 3 days ago.

Hay ho, bring it on Abbey!!

 

Jan

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Hi Jan,

 

Thanks to your advice I have now got a parachute account set up with Royal Bank of Scotland. Same as the Step account with Natwest, just called something different!

 

I'm still waiting to hear from the Abbey after my preliminary letter, they have got until Thursday (30th) and then I send the LBA. Still feel a bit sick with nerves but I MUST NOT BACK DOWN!!!

 

Glad to hear things are moving along with you, keep going and don't forget that it is your money, not theirs. I'm afraid I don't know about the notice before they close your account, or if it is standard practice for them to close it at all. Sorry, not much help there.:o

 

Keep in touch and good luck.

 

Sue

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Hi Jany40

 

Glad to be of assistance. My claim is progressing very quickly now, I am confident that things will be settled on Monday.

 

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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Hi Jan,

 

Thanks to your advice I have now got a parachute account set up with Royal Bank of Scotland. Same as the Step account with NatWest, just called something different!

 

I'm still waiting to hear from the Abbey after my preliminary letter, they have got until Thursday (30th) and then I send the LBA. Still feel a bit sick with nerves but I MUST NOT BACK DOWN!!!

 

 

Sue

 

Hi Sue, Glad to hear you have set up your account.

 

It seems I was lucky with Abbey with my prelim letter, they replied quite fast, seems their tactics are changing abit now:(

 

They have till 5th Dec to reply to my LBA then its MCOL.

Dont let them scare you, I was thinking like that when I had my letters, til i realised they were all standard letters, and I have seen copies of them on the forum quite a lot. Don't let them put you off Sue. Just keep coming to the forum, and you will feel better once you see your not alone.

We can help each other. I have pm'd you with my email addy by the way.

Hang in there!

 

Jan

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