BJT76 vs The Shabbey

[BJT76]

Hi all fellow Abbey bankers, I am new to this forum so will probably spend the next 3-4 days reading and getting the feel of all the treads. Just like to say that reading some of the posts already has lifted a huge weight of my shoulders to know that I am not alone when it comes to reclaiming what is legally mine!!

[Lula]

Hi BJT and welcome, the FAQ's and step by step instructions as well as the link to money claim and the spreadsheet with interest are all at the bottom of my thread, take your time and familiarise yourself with the terms that are used and soon it will all become clear

 

If you need any help and advice there is generally someone around that has been there and done that and can advise.

 

Hope this helps

[luddite]

Hello and Welcome BJT76

 

We are all at various stages of US v Shabbey and they do their utmost to wear us down. Don't let them get to you, it's your money and they will give it to you in the end. So just keep bashing away, and if you have any problems or just need someone to have a chat to about where you are and where to go next, then this is the place to come.

 

I've found everyone more than helpful.

[bogmonster]

HI THERE, welcome to the abbey forum, all i can say is keep reading and gathering as much info as you can, be careful as it,s addictive!!!

Any hurdle you come to at any stage will be overcome as some-one always helps you out as i,ve found on here.

good luck!!

[BJT76]

Lula/Luddite/Bogmonster..Thank you for the warm welcome, with any luck I'll be posting my first letter within the next few days, nervous but angry as well as they have managed to make me feel like im in the wrong for incurring charges in the first place, ive given up on speaking to them over the phone, i mean business now!!!

[BJT76]

Hi all, today is the first day of my claim against the Shabbey, Ive got my S.A.R - (Subject Access Request) all ready to send to Triton Square but b4 I send it I was just wandering, if its a joint a/c, do both named a/c holders need to be stated on any letters? Its a joint a/c with Mrs. BJT76.

 

I am a bit nervous about this but the more threads I read the more confident I get. The Shabbey have kept me trapped in a vicious circle of charges for the past 3/4 months to the tune of £150-£200 a month which has meant I have incurred further charges for the following month!!! Ive got to hand it to 'em, they know how to make money!!!

 

Just a trio of quick q's,

 

1. Do I have to ring them and talk over the phone as every conversation Ive had with their call centre has never really been helpful, just annoying:sad:

 

2. Should I send my SAR recorded delivery?

 

3. On the SAR, can I remove the part saying I will be happy to collect my statements at my branch?

 

your help is very much appreciated!

 

BJT:D

[stressedlou]

hi

 

i have started a similar thing with the abbey.

sent off S.A.R - (Subject Access Request)

recieved 14mths statements and a letter saying the rest had been microfiched and would be sent out shortly.

recieved everything JUST within the 40 days.

did my spreadsheet for reclaiming my charges and sent it with the first letter requesting repayment.

i recieved a letter from the complaints dept telling me they would look into it and get back to me in 4 weeks!

this is a known thing with the shabbey to stall but phoned them today and told them they could take 4 weeks to reply if they wanted but they only have until the 10th of december to refund all my charges or i would be sending them the 2nd letter which will give them another 14 days then there will be no further contact i would just start proceedings with the courts also claiming the interest.

 

all of this i have done in my name even though it is a joint account.

but i did make sure all letters regarding our account were detailing both account holders names.

 

i did get my hubby to sign the first letter to reclaim charges though just to be on the safe side.

 

now its just a waiting game!!!

 

hope this helps if not go onto the SHabbey forum there are so many people to help you through it.

 

good luck

 

lou:D

[BJT76]

Thanks for that Lou, Ive added Mrs. BJT to the letter just in case. Im off to the Post Office soon to send it! Cant wait!! Also, letter received today stating that my overdraft is to be re-paid in full on the 1st January 2007!! Happy New Year..........:mad:

[stressedlou]

yeah am waiting for them to do that to me i have a 1750 o/d but if they want it back let them have it, i am claiming 2450.00 in fees so if nothing else it will clear my o/d.

 

what concerns me is that they are doing this to their regular customers.

 

if they get funny with me am gonna move my mortgage, insurances and everything else.

 

two can play their game!!!

 

will keep you updated.

 

lou:D:D

[BJT76]

"Tis the season to jolly tra-la-la-la-laa-la-la-la-laaa...." or maybe not for Mr. Ebeneezer Abbey.....

 

Got a statement today, informing me that on the 29th of December (yes, thats right,3 days after Christmas!!) they Shabbey will be raiding my account for £780 worth of charges!!!!!! Laugh? I nearly fainted!! Do they honestly think that i will even have 780 pennies in my a/c on that date!!!!

 

So what will happen, bearing in mind that they have already said my overdraft on £1,700 is to be repaid in full on the 1st of January (New Years Day?!?!?) If the funds arnt there to cover these charges, will the increase my overdraft?

 

Also, is this a new record for charges incurred in one month?

 

:lol:

[BJT76]

Hi Karnevil, Ive nearly moved all the DD and SO's over to my wifes a/c now so thats a weight off my mind. They wont actually be able to take this £780 as it wont be there, will this cause me problems?

[BJT76]

Hi all, I have now (at long last!!) received all of my statements from the shabbey and will be going through them with a fine toothed comb to weed out all of the charges. As far as reclaiming interest charges goes Im a bit unsure as to what I should be looking for and what I can claim back??

 

I can now see the light at the end of the tunnel!!!