Getting the ball rolling

[c-m]

I have been banking with Abbey since the start of my University course just over six years ago. During my first year back in 2001, I was in a little bit of financial difficulty and overused my cheque book and guarantee card. I believe I was charged £15 per cheque plus additional charges for going over my overdraft limit etc.. These charges got paid off by my student loans etc.. And until recently the account was fine. However over the past few months I accidentally had an £8 DD go out witch took me over my agreed limit. This or course saw me incur all sorts of charges, which have just mounted up and up and have prevented me from paying my wages into the account for fear of them being swallowed up.

 

I have received letter from Abbey asking me contact them and recently I did so via the e-mail address they gave me. They only replied with another stating that they are going to withdraw my overdraft and for me to return any cards/cheque books to them.

 

I have now had enough of them and today I plan to start my action against them by sending off my Subject Access Request letter. I have taken the letter from the template and added my address and account number and signature. Is there anything else I need to add in at all? I don't want to give them any excuse to stall.

 

Many thanks

C-M

[jodie_louise2001]

A cheque or postal order for £10, and send it recorded delivery.

 

I sent mine Thursday though and still waiting acknowledgement

From what i can gather, they employ as many stalling techniques as possible.

*J* x

[c-m]

Finanlly posted 4/12/6. I had to use recorded mail at work though as the post office had over a 30min wait. should be ok though.

[c-m]

ok I have now posted two Subject Request, by recorded delivery and it seems not one of them has been received.

 

Using Royal Mails tracking facility just states come back later.

 

I sent the 1st request with cheque on the 4/12 and the second 8/12. Both were 1st class recorded.

 

could Abbey deliberately not be signing them do you think?

 

What do i do now?

[Guest amethystdragon]

I had this problem - it seems that the Abbey have some sort of weird post office service - If you ring Royal Mail and ask them for the details they will send you everything they have

 

Abbey say that they haven't received stuff but to be honest if you've only sent the SAR off on the 4/12 and 8/12 I'd be suprised if they've got to yours in the massive pile of requests they must be working through at the moment

 

Give it a few more days - after all they do have 40 days to respond to your request

[c-m]

I'm just concerned that my letters have somehow gone missing since I can't track them via royal mail. I posted a special delivery at the same time and that got to its destination just fine.

[c-m]

Ok so on the 21st December, I get a call from my mum saying she's got 15 letters from Abbey to post to me.

 

I recieve them and they bank statements from the past year. However I asked for a complete history as the per the Subject Access Request.

 

The problem is I send the Subject Access request by recorded mail on 4th and the 8th, but neither of my letters are being shown by Royal Mail as delivered.

 

That being the case, how I am suppose to know when the 40 days begin or end?

 

I need some advice on this as I feel this is goning to stop my claim.

[saabsteve]

Hi all. I have just sent off my SAR (Subject Access Request) to the Abbey and then read all this. So can somebody tell me if the 40 days begins today or not?

Thanks

[c-m]

Hi all. I have just sent off my S.A.R - (Subject Access Request) (Subject Access Request) to the Abbey and then read all this. So can somebody tell me if the 40 days begins today or not?

Thanks

 

Well I have found out that royal mail, when they have a large amount of recorded mail for one particular address, they give them to the company all at once. This could be 1000s of recorded letters. It is then up to the company to get back to them with the code of which letters they've recieved. So it seems unlikely you'll be able to track anything you send to Abbey.

 

That being said, I recieved a letter from Abbey stating they recieved my initial request on 6th December and will provided me with 14month statments.

 

I was also told that they could not give me any information regarding manual interventions.

 

Furthermore the letter stated that they could not produce computer printouts of the records I require due to them being held on Microfiche. However they have said that they will send me a complete set of transactions from 2000-2005. Is this the standard reply or are Abbey playing ball? Should I reply regarding the Microfiche?

 

Also, as my letter was recieved on 6th December, when are their 40 days up? Do only working days count or is it calander days? What about holidays?

 

Overall i am pleased that this is progressing.

[claire78]

As long as they haver agreed to send the statements in whatever form, you have nothing to worry about, wait the rest of the 40 day period, if the statements dont appear after that, send the DPA non compliance letter which is in the bank templates library

[c-m]

OK, I have now recieved all my statements and microfiche files.

 

I have highlighted all the bank charges.

 

Is the next step to put them into one of those spreadsheets and then send a letter to Abbey asking for them back?

 

Which spreadsheet should i use? And what address do i send them too?

[c-m]

anyone?

[jodie_louise2001]

From what i can gather you put all your charges into a spreadsheet (look on the templates i think - vampiress (SP?!) has some apparently, although i'll be using google i think!) and send the bank the prelim letter requesting money back with a copy of the spreadsheet, to the address you've used to correspond in the past!! (Does that make sense?!)

 

HTH xxxxxxxxxxxxxxx

[c-m]

Sent the prelim letter requesting money back with a copy of the spreadsheet on 29th January. I have since received a letter from Abbey saying they are sorry I have felt the need to complain, they will review the complaint but that takes four weeks. They have urged me not to hire anyone to make the complaint on their behalf.

 

Well the two weeks is up so i'll be sending before court letter soon.

 

In the mean time I have inccured £39.73 interest while overdrawn.