Help badly needed in my case against Abbey.

[MattCrez]

I am in the process of trying to get 600 pounds worth of charges back from Abbey. I am currently unauthorised overdrawn by 107.72 after two 5 pound direct debits cleared whilst there was no money in the account. The rest is all charges that are increasing daily. I cannot afford to pay this as it has built up to such a degree and still continues to.

 

I am just about to send out the 'final notice before action' letter to Abbey. However I am hesitant to send it because they have just contacted me insisting that I send back all my Abbey bank cards and repay the amount in full, my concern is that they state that all this information is being sent on to a credit reference agency.

 

The last thing I want is to be blacklisted for credit in the future.

 

What should I do? Shall I just find a way to pay back the amount in full then resume my case with them at a later date?

 

Please help as this is causing me endless amounts of stress.

[doyin22]

I would open another account today, continue to pursue abbey as they did the same with me and i'm currently awaiting a court date.

 

They asked for there cards back in the begining and nothing has been said since so i nevre sent them and my account is still open.

[sowerby17]

well try their tactics get the lba sent you never know you may get a gogw that will cover your £100 you owe them.Ask if you can pay them in installments? Try to stall them.After all they do it to us.

[midge61]

Hi

Wrte to the debt management department them stating that the account is in dispute and you are just about to take legal action against them. This should halt them from any further action on your account.

Send the letter by recorded delivery so that you have proof of delivery.

 

Hope this helps

[MattCrez]

Thanks for the advice guys, I'll let you know the outcome!

[sowerby17]

good luck will follow your thread

[CrispDust]

Yeah you have already contacted shAbbey with your prelim request so the account is official in dispute and under banking code they really shouldn't have made those requests and threats.

[Glenn UK]

Crisp et al

 

As much as you may think the account is in dispute because an LBA has been sent does the letter actually say that?

 

If it does then thats fine, if it doesn't i would recommend that you send a separate simple letter informing them of this fact.

 

I wouldn't put anything else in the letter only that you are disputing the balance on the account and that any action taken by them in respect of closing the account, requiring the return of cards etc is counter to Para 13.6 of the banking code and will be considered as retaliatory action.

 

I would try to be brief, the banks don't seem to be too good at dealing with letters with more than a few lines in them and you want to be able to produce something which clearly informs them of your dispute should the need arise.

 

JMHO

 

Glenn

 

PS ill go read through the templates for LBA and Pre lim but even if they mention it i would still write something simple for the avoidance of any doubt.

 

Edit : PPS the lba doesnt specifically confirm that the account is in dispute.

[zigvsam]

you have on going charges which are going to continue as they have with me. its a case of "computor says no" i did not send my cards in they stopped them anyway and i did not pay off any of the charges i just continued to add them to my schedual until my N1 was submitted then i attached a letter which included the fact that my charges are continuing.

 

i agree i makes sense to inform them of the current state of your account and your intentions and yes lengthy explanations do seem to confuse them .

 

i recieved a GOGW whilst my account was in unauthorised overdraft and some of the money paid off those charges, but as this happened before my N1 went in i acknowledged the payment and added the extra cost to my total. they are having some trouble getting their heads round this.

 

keep an eye on your account. GOGW dont seem to be notified of when they go in. natwest step account is pretty simple to open up, its a basic no frills account but you can upgrade after 6mnths.

 

but most of all dont be bullied by their threats. take control and take no prisoners! its your money. as for your credit score look at the templates.

 

good luck...stay cool.

[MattCrez]

Thank you very much for all the invaluable advice guys, it is much appreciated.

I have sent the letter as you suggested and I now feel a lot more confident in my campaign against them. It is absolutely disgusting how they treat their customers and I look forward to the satisfaction of taking back my money from them in court.

[MattCrez]

Just got a grovelling letter from Abbey, offering me £515.00 as a 'goodwill gesture'. We all know what that means!

It's only £75 shy of the amount they owe me, so I am tempted to accept it providing they amend my credit record. What does everyone else think?

[itsamomentintime]

i think you should not accept it. the extra £75 is your money, its that simple

[TUTTSI]

You should agree a partial settlement and go after them for the balance. Does the amount of the partial settlement include Interest?

Hope that this helps!

DS

[MattCrez]

No it doesn't, I forgot to add the interest onto the amount they owed me in the letters in sent. I guess that means I wouldn't be in a position to claim it now?

[TUTTSI]

I do not see why not - it is your money after all and if they had not made unlawfull charges you would not have paid interest as well.

Good Luck and keep us posted

DS

[sowerby17]

Mattcrez its your choice but i would accept the offer if they amend the credit record that way you are nit out of favour with the bank and wont need to change accounts.It is your choice I guess we all think different