Jay V Abbey

[jay smith]

Hi All,

I am also 'doing' abbey. I have done getting back statements bit, been through the microfice thing with them, and finaly got what i asked for. I then sent them the prelim letter, and got the 'sorry you're not happy, we'll get back to you sometime' answer. Well they did. I got a letter from a Mr Mark Treadwell, Senior customer resolution Manager.And they say, I quote:

 

Having carried out a full investigation, i can assure you the charges do not contravine those regulations and therefore i cannot agree to refund all of them. However, as a gesture of goodwill, i am happy to refund £400.00. A cheque will be raised in favour of our Debt management department.

 

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

 

I therfore reveiwed the litrature and infomation you recived when you opend your account, including the terms and conditions. This explains that charges will be applied if you do not keep to the terms of the account.Because of this, i belive we have been fair and open in telling you about them. The charges were correct, becasue you did not have enough money in your account to cover payments requested from it. When i looked into the history for your accounti found that, unfortuanately, this was not the first time this has happend.

 

You have asked that any default notices against you in connection with the charges aplied to your account, can be removed. As we have canceled the charges as a gesture of goodwill and not due to an Abbey error, i am unable to alter any information held with a credit referace agency, as this information is factual. It is however unlikely that any adverse information has been registerd against you in connection with this matter.

 

I am confidant that i have been fair and taken into account all the points made in your letter, but if you have any additional points that you would like to discuss with me please call me on 0845 6006014.

 

 

He then goes on to say that i can contact the finacial ombudsman if i am not happy with his reply, and encloses a leaflet from them. Also that he hopes he has at least clarified abbey's position.

 

My points on this letter are:

1) he doesnt begin to explain how the charges are proportianate.

 

2) Abbey's own debt colection agency when my partner spoke to them siad i was already on the bad debt regiser,but he says it is 'unlikely'.

 

So... What do i do next? the toatl claimed is nearly £2,000, so £400 is an insult. Do i just send the LBA as in not having an aceptable response? or do i need to write a diferent letter? Or do i adjust LBA to answer his letter and carry on the process of takeing Abby to court for the whole amount?

 

Any help and sugestions most welcome please. Has anyone else had this sort of repy and what happend?

 

Thanks,

Jay

[NuttyTart1]

Hi Jay,

 

You seem to be getting standard responses!

 

Continue to send the LBA... make sure that you acknowledge the GOGW (£400) - but state that you want the rest. For calculation purposes take that value from the BOTTOM of your spread sheet and re-attach with the LBA.

 

Stick to your guns!

 

This is exactly how my claim went for my current account.

 

Hope this helps - if it does please click my scales

[jay smith]

Thanks Nutty,

this is all getting very stressfull, and like many others i feel like giving up- but if i do then abbey have won-and we cant let that happen!!!

will keep you posted if i need anymore advice,

Jay