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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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itsamomentintime v Abbey ** WON **


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wow i see u support the same team as me lol

they will give you alot of nonsence i would go to your local branch dont bother with the head office just either go or phone them up they cannot refuse you infact i have a spare form they sent to me yes its blank if you want you can pm if you would like me to send it to you

pm with your email addy then you can just print it out and fill it in and send it to them with a check or postal order for £10

keep me updated hun

hugs

abg

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They always say they destroy all records after 6 years, however i seriously doubt this is in fact the case, as usual the banks are unwilling to be transparent, however now people have starting requesting pre 6 year statments more and more i have a feeling their shredders and incinerators will be working overtime.

 

PS. Nice to see yet another Red :D

:madgrin:

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I tried to get statments pre-1997 from Abbey, phoned ICO and got same garbage and am still unable to get them to budge on the 6 year rule, despite the banking code apparently saying they should retain info for 6 years AFTER the account is closed, not just retain it FOR 6 years.

 

Hope you have better luck than me. :)

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original thread here:

 

http://http://www.consumeractiongroup.co.uk/forum/abbey-cahoot-successes/49228-can-banks-add-unlawful-4.html

 

 

however - i when i tried to withdraw some money via a cashpoint, i was instructed to go to my local branch. when i did this, the teller rang some number, and was given various instructions, one being to retain my card. not only this, but my overdraft and internet access were also withdrawn. all because i exercised my legal right to reclaim unlawful charges.

 

now i am sure that this is against the banking code, so i have sent the following letter yesterday with rec delivery:

 

Dear sir/madam

My debit card was recently taken from me and retained on a visit to my local Abbey branch. Also I have noted that my online access has been suspended, meaning that I have no way of accessing my account and my overdraft facility has been removed.

As a result I would like to complain to you about the way I have been treated. Please provide me with a copy of your complaints procedure.

Regards

 

 

will keep you posted

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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if you take id into your branch then you can withdraw money from your account, but i would continue with your complaint as this seems to be a retaliatory action

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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thanks Lula thats what i thought about them

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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this request, particularly the paragraph about summoning the data controller to court to swear an oath, woke nationwide from their lethargy and i received all my statements back to 1988!:)

Please supply me with a complete history of all correspondence, transactions and charges relating to my banking history from the inception of the account, whether this be in the form of statements, fiche or other recording method. Also any data that has been archived into any archival system used by your company, including outside companies.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

Should you advise that you do not have this information, then I require you to provide a certificate of destruction signed by your Data Controller, confirming when and how my data was destroyed and confirmation of your policy on data retention! If this confirmation is not supplied and a claim be made in Court, I will seek to summon the data controller to swear on oath that he does not have the information I have requested!

 

I enclose the statutory maximum fee of £10 for Data Protection Act subject access request. You will be aware that you have 40 days in which to comply with my request made under s.7 Data Protection Act 1998.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

hope it helps

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nice one johans, gotta be worth a try

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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letter signed for on 11/1/08

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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complaints procedure recieved, the following is off to the complaints dept, similar to the first letter but adjusted to suit:

 

Dear sir/madam

 

My debit card was recently taken from me and retained on a visit to my local Abbey branch. Also I have noted that my online access has been suspended, meaning that I have no way of accessing my account and my overdraft facility has been removed.

 

I would like an explanation as to why this has happened, as I believe the Banking Code advises that any change in circumstances requires you to provide me with 30 days notice. Also I would like you to explain to me just how I am supposed to access my bank account, without the aforementioned facilities being available to me.

I consider your actions to be retaliatory, due to my to successful claims against you for bank charges. Please be aware that, if no satisfactory outcome is forthcoming to my complaint, I will not hesitate in reporting your actions to the Office of Fair Trading, the Financial Ombudsman Service and the British Bankers Association.

 

 

Regards

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Guest louis wu

glad to see you using your timescale, and not theirs:).

 

How typical of Abbey, no doubt they will stall until the eleventh hour, just to inconvenience you.

 

As lula says, take 2 forms of ID into the branch (a bill and a driving licence/passport), and get your money that way.

 

best of luck

 

louis

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Don't expect a straight answer from the bank regarding the account closure but you will get Around £250 compensation if you take it to the Ombudsman,

Alliance & Leicester closed my account following a claim and told me there was nothing they could do too. I took it up with the Ombudsman and got £250 in no time.

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hello HONESTKNOB

 

its not actually closed, but it might as well be as I cannot access it

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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HONESTKNOB you must be psychic - the reply did not address any of the issues i raised, so another letter on its way to them....

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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letter on its way:

Dear sir/madam

I am receipt of your response to a complaint that I have raised with Abbey. Unsurprisingly however the letter fails to address the issues that I raised, namely:

  • Why has my debit card been retained by my local branch?
  • Why has my overdraft facility been removed?
  • Why has my internet access to my account been removed?

Please reply with a satisfactory response within 14 days, and make it your final answer on the matter.

Regards

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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letter on its way

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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thanks GuidoT, following email sent:

 

hello Sheena

 

You come highly recommended as the last resort before a court order!!!

 

I sent £10 to get copies of my statements for account number XXXXXXX, dating back to 1993 but only received 10 months worth of statements.

 

I was wondering if you could possibly send me the full set as I am hoping that having to resort to a court order against Abbey will not be necessary.

 

best wishes

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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if the email doesnt work, its off to court.

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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can anyone confirm what to do in order to get a court order for statements?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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good luck, if they do produce them, others claiming pre 6 years could possibly argue that they have given you yours so they want theirs if you get what i mean, so may make there requests easier.

 

I am sure they will HAVE to keep details longer than 6 years but finding out for certain is going to be difficult.

:madgrin:

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  • 3 weeks later...

just received a bizarre letter from Abbey Customer Operations, but a bit of history first:

 

i have successfully reclaimed charges back from Abbey TWICE:grin: but as a result they cancelled my overdraft, my debit card and my internet banking.

 

somehow my account showed -£4, and was passed to their collections dept. the minus balance resulted in monthly charges for being overdrawn, and until recently the balance was -£1XX.

 

now today i received a letter stating that the balance has been reduced to £0.00 because i have not used my account for 12 months (thats a lie), and because they want me to start using the account again.

 

weird no?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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