bennett v abbey

[bennett01]

Hi All

Posted final letter to Abbey on 17/10/06 requesting full setlment of all bank charges. awaiting their responce+just received information pack from court and will today fill in just in case.

 

Bank Charges

Direct Debit Charges £1600

Interest inccured Charges £400

Interest Charge for Being overdrawn £460

[tomo999]

Good Luck!

[Rooster-UK]

Hi Bennett, welcome to the family.

 

Please start your own thread in the Abbey forum....

 

Click on this link............

 

Call it "Bennett v Abbey" or something like that so that you can find it easily.

Post any questions and progress reports there.

 

Good luck with your claim.

[bennett01]

Sent final letter 1 week ago given 7 days to here from them but sadly there not contacting me. sent letter to Bradford but when i call re-directed to indie has anyone the phone number for this?also after looking at all my statements they owe me more than i first thought

 

 

 

Bennett v Abbey ONGOING

charges for being overdrawn £210

Interest on being overdrawn £339.69

Direct Debit Charges £1414

[alexifa]

Contact info for Abbey is here.

 

Good luck!!

[bennett01]

Just recieved reply today taken them 7 days. in short

we are sorry we have not been able to resolve your concernce one of our team will look at all relevent facts review any paperwork and talk to the people involved so that they fully understand the problem. it is important that we resolve your complaint quickly a thorough investigation and this can take time IE 4 weeks. after all the complaints they have recieved you would think they would understand plain english (GIVE BACK WHAT IS NOT YOURS). do i give them the time or go directly to court. the letter sent was the 3 letter in responce to their first 2 letters.

 

 

Bennett v Abbey Ongoing

[Michael Browne]

File at court 14 days after the date of your LBA

[bennett01]

this sounds daft what does LBA stand for

[Michael Browne]

From the FAQs:

 

 

Q. Do I have to send a letter before action?

 

A. Yes, you should give the bank written notice that you will be suing them.

 

From the step by step guide:

 

(4)

 

If you are not offered a FULL refund then proceed to the Letter Before Action (LBA) in the library.

 

However do make sure that you understand that there is a possibility that the Bank may decide to defend and that you may have to present your case to a judge in a Small Claims Court. This is very rare, but you should be aware of the possibility.

 

If you have to issue a court claim, the spreadsheet mentioned earlier will also calculate interest at 8% as allowed by s.69 the County Courts Act (1984) and which you will add to your claim at that point. NOTE: you do not claim the 8% unless you put in a court claim.

 

From the Bank Template Library:

 

3. Letter before action - Consumer version - asking for it back

[bennett01]

Sent LBA 17/10/06 recieved letter from them 7 day later. comments we are investigating your complaint but would take 4 weeks.

Second letter recieved today comments we are sorry for the delay and thank you for your continued patience.(7 more days then my patience will be court action. and also today,a further letter they have stopped all direct debits to my accounts(I Cancelled all these 3 weeks ago and also moved my wages to my a Another bank) they also say this account will be cancelled until i pay my overdraft of £700 +£183.32 from last months charges(I phoned them only last week to arrange payment that i can afford off the overdraft not the charges but they said I can not pay anything off this untill I pay the charges first and until i do, the will continue to place further charges at the unauthorised rate + Interest. and also return all cards in 7 days or further action will be taken IE send a feil agent further cost £45 +VAT PLUS their intention to register a default to a collections agency for full recovery of the Debt. there getting tuff but i will continue my fight.

[bennett01]

Sent LBA 17/10/06 recieved letter from them 7 day later. comments we are investigating your complaint but would take 4 weeks.

Second letter recieved today comments we are sorry for the delay and thank you for your continued patience.(7 more days then my patience will be court action. and also today,a further letter they have stopped all direct debits to my accounts(I Cancelled all these 3 weeks ago and also moved my wages to my a Another bank) they also say this account will be cancelled until i pay my overdraft of £700 +£183.32 from last months charges(I phoned them only last week to arrange payment that i can afford off the overdraft not the charges but they said I can not pay anything off this untill I pay the charges first and until i do, the will continue to place further charges at the unauthorised rate + Interest. and also return all cards in 7 days or further action will be taken IE send a feild agent further cost £45 +VAT PLUS their intention to register a default to a collections agency for full recovery of the Debt. there getting tuff but i will continue my fight.

[midge61]

HI

As you have started the process of reclaiming the charges you should write to Shabbey and say that the account is in dispute and therefore they should refrain from adding further charges until the dispute is resolved.

Hope this helps

[karencupit]

Hi bennet,

You seem to have 2 threads going, both with the same content. Ask someone if they can either merge them for you or how to delete one of them.

[bennett01]

I seem to have 2 threads goingbat the same time with the same content how can one be deleted? please help

[bennett01]

HI

As you have started the process of reclaiming the charges you should write to Shabbey and say that the account is in dispute and therefore they should refrain from adding further charges until the dispute is resolved.

Hope this helps

 

Thank you but have tried this over the phone. They said that it a seperate issue but if successfull in my claim i will be paid this back. in the meantime they said i will have to pay and still gain further charges.

[midge61]

Hi

Get your money claim in and add all the charges up until day you enter the claim. WRITE to Abbey and inform them of your pending court case and that this puts the overdraft amount into dispute and that they should refrain from adding further charges until resolved.

This shoulkd work but if not keep track of anymore charges that they add and either asked them to be refunded as well when you get to the settlement stage or just start a second claim for any new ones.

Once they know you mean business by issueing court claim they should stop.

[bennett01]

Hi

Get your money claim in and add all the charges up until day you enter the claim. WRITE to Abbey and inform them of your pending court case and that this puts the overdraft amount into dispute and that they should refrain from adding further charges until resolved.

This shoulkd work but if not keep track of anymore charges that they add and either asked them to be refunded as well when you get to the settlement stage or just start a second claim for any new ones.

Once they know you mean business by issueing court claim they should stop.

 

Thank you for your quick responce i will do this right now.

[bennett01]

there at it again as said in a thread yesteday they have closed my account has to my overdraft £700 they will not accept the £40 pound per month they will only accept min of £75 I told them this is too much i am on low income. + the further charges of £183 +a further £230 both these are overdraft and interest om my £700 overdraft in one month IE Octobers. the person I spoke to was dan at the dept management dept Milton Keynes. however this chap said the only way around this is for my wages to go back in to the abbey and he would give me a £1.300 overdraft to pay off what I owe.and then each Month to pay off this one. thus reducing the interest each Month on this new one. but in the next sentence he said no this would not be posible because this would take 18 months to pay off and we only allow 3 months to pay any overdraft off.

I have also put my request to pay of the overdraft in righting and have sent this on friday yesterday. In the end he said the will contact Dept Management Councillor it is the only solution to my problem then I reminded him if it was not for this bank taking between £200 and somtimes £300 a month and every Month from my account

I would not be in this situation and only take home £200 per week. I have sent in my LBA on the 17/10/06 3 day to go before court action but I dont know were to go with the above.

[bennett01]

Could you please help

trying to work out the daily interest but never seems right.

 

DD Charges total £2587

Interest Incurred being overdrawn £378.19

[bennett01]

Thank you karnevil going court with papers today.

[bennett01]

please help Abbey has given refund of £555.00 week did check my account to see but what the crafty devils had done is paid this of the full balance overdraft at £700 +charges+interest came to £1.109.63. so they paid £555 of the full balance which in avect was their charges but then reducing the overdraft by only 153.25 so the mony that was pain in there so called refund was taken back in charges. could someone please explain to me if i have misunderstand there good will gesture. and they have taken my overdraft away but still say that i have £546 75 to pay of the overdraft and the charges and interest will continue on the £546.75 remaining. and after talking with them today and being a little obstinate i asked the question if you have taken the overdraft away then i dont owe money so the £546.75 is mine then of cause this person said you have gone over your overdraft so you still owe this money. my comment was please explain to me because my brain is not working, you have taken away my overdraft this no longer exist and dont have one so why do i owe this money.woman then said i can not talk to you if you continue to be obstinate. but all this time i was very polite

[bennett01]

Hi all just received papers from court this morning abbey have acknowledge also did ring court to ask how long i have to wait before abbey have to send there defence in, have been informed by the 8 dec looking forward to what there defence will read.

[sowerby17]

Have you had a gogw

[bennett01]

Hi sowerby yes i have paid in to account of £555 4 day ago full figure for settlment would be £3580

[sowerby17]

Dont know how they work out these gogw as yours does not seem much compared to others claiming for less. How long did you wait for your gogw and at what pointdid you get it