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Estellabianca V Abbey


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Hi Everyone, I'm new in here, this site is brilliant!!!

 

Abbey took me over £ 2000 in bank charges over the past six years. I've sent the template prelim letter then I've sent them another letter insisting on the full-refund because they were taking time to answer and sent me the classic boring letter with complaint leaflet.

 

:!: After my second letter,Abbey replied that they will only refund £ 350:mad: and transfered the money immediately to my account:confused: .

I 'm going to send another letter ( letter before action) refusing the proposed settlement but accepting the money offered as part of the settlement.

Am I going in the right direction? :confused: Please help.

 

One more thing, I have requested in a first letter a list of my past transactions and charges ( under the data protection act), they sent me one year bank statement so I sent them a second letter about the microchip argument letter and they finally sent them all to me but lots of statements are missing especially those where the biggest charges were applied:mad: .

I'm going to send them the template letter number 1 about the data protection act giving them 7 more days before complaining( last of the 40 days) and I'll see what happens.

 

Am I going in the right direction again???? I need your advices. Please HEEELLLPPPP MEEEEE!

 

Thank you so much in advance:) .

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Be carefull as they may say you accepted as full and final and stop you claiming any more money from them regardless of your reply accepted as partial payment, by all means send them the letter but dont expect them to say this is ok, i would send them a cheque for that amount or advise them to remove the amount as you do not accept, dangling a carrot to tempt you.

 

Yes send them reminder that non-compliance will result in a complaint being made to the informatin commisioner by you.

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Spend a few days reading the FAQs and the step by step guide in the library section. That will give you all the info you need to start you off.

 

Regards, Rooster.

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Thank you so much George for replying:) .

Would that letter (from the template library) be all right ?? or is it better to send the money back as you suggested???

 

Response to settlement offer

 

Dear xxxxxxxxxx,

 

Thank you for your letter dated xxxxxxxxx.

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £ xxxxx.

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

My letter before action (dated xxxxxx) sent previously indicates that you have until xxxxxx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

I trust this clarifies my position.

 

Yours faithfully

 

xxxxxxxxx

Thanks again for your help.

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Yes that is the correct letter to send, if you follow the guidance in the help section of the site you should be fine. what you also need to do is start a thread in your banks forum where you will have more support and have a read around your banks forum to see how they are handling peoples claims.

Ex CAG helper ^_^

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I've just receive a letter from abbey a week after sending the above letter about refusing the proposed settlement but accepting it as a partial repayement. The letter that semt me as a reply is the same they sent me before.

 

"Dear Miss EstellaBianca

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your compliant and I have enclosed our Compliants leaflet, which explains our procedure for doing this. Hogh quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your compliant in a timely and satisfactory manner.I know it is important to you that we resolve your compliant quickly, but we want to do a thorough investigation and sometimes this can take time. I f we have not contacted you you before then, we will write to you in 4 weeks to let you know what is happening.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with.

Yours sincerely

Head of complaints."

 

Now, according to my previous letter before action they have 12 days left to repay the full amount before court action.

They are asking for 4 weeks to reply to it.:confused:

 

What should I do next?? wait for 12 days ? 4 weeks? or send a reply straight away ????

Please help.

Thanks.:)

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HI EVERYONE,

 

I've just receive a letter from abbey a week after sending the letter about refusing the proposed settlement but accepting it as a partial repayement. The letter abbey sent me as a reply is the same they sent me before.

 

"Dear Miss EstellaBianca

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

One of my team will be responsible for investigating your compliant and I have enclosed our Compliants leaflet, which explains our procedure for doing this. Hogh quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your compliant in a timely and satisfactory manner.I know it is important to you that we resolve your compliant quickly, but we want to do a thorough investigation and sometimes this can take time. I f we have not contacted you you before then, we will write to you in 4 weeks to let you know what is happening.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with.

Yours sincerely

Head of complaints."

 

Now, according to my previous letter before action they have 12 days left to repay the full amount before court action.

They are asking for 4 weeks to reply to it.:confused:

 

What should I do next?? wait for 12 days ? 4 weeks? or send a reply straight away ????

Please help.

Thanks.:-)

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:) Thanks for replying .So should I start my court claim in 12 days regardless of the letter? or should I wait for a final offer settlement offer from them?? :confused:

And what should I do first in oreder to start a court claim? I'm a bit confused. N1 form?? online moneyclaim? or tell the ombudsman??:confused:

Thank you so much for your help in advance.:)

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You should wait the 12 days so as to show the judge if required that you have allowed them the timescale you said to settle. Start claim and remember to add your interest at this stage.

 

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

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I personally prefer the old fashioned route and do N1 and file at the local County Court. You can get more info in the POC and going to the court you hand over 3 copies of your claim and schedule. This way the court send out the schedule of charges together with the claim to the defendant and they cant then say that they never received schedule or you have provided them with little information. Providing you have filled in vampires spread sheet all the info they require regarding account and charges is all there.

 

You really need to follow the step by step guide http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

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:-) Hello, I've got another problem. It's about the data protection.I have requested 40 days ago my last six years statements and charges. I've received some of it. 12 months are missing in total and guess what? the are the months when I was charged the most:mad: . I've followed the step bu steps instructions and sent every single letters up to the LBA saying I was taking them to court if no compliance within the next 7 days. ( the 40 days are already over). I've had no answer from abbey to this day.

I'm going to start the court procedings for my past statements and for the money they owe me.

Now my question is: Is it necessary to report them to the data commissioner office ? or just go directly to court?

Thanks in advance.

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You will find it hard to claim back without the proof, you need the statement so you have two choices as i see it.

1/ file at court for other charges you have. Then when it comes in you could start a 2nd claim.

2/ Phone them and ask when they expect to have them sent advising them that you are in the process of complaining for non-compliance.

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:) HI!

I've just started to fill a N1 form to force Abbeyto send me my missing statements and charges (12 in total).I have followed the step by step instructions and sent all the letters about the dta protection but they sent me incomplete informations and 40 days and one week are over.

My question is: do I have to do two different court claims/two n1? one for the data protection and one for the money Abbey ows me?

 

And is there a fee to pay for the court claim about the dataprotection issue???:confused:

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Yes there is a charge for data protection action. It will cost you £150.

 

You cannot combine the two claims.....You don't know exactly how much your charges are, do you? That's why you are chasing the missing account information...... You can't sue until you know what you are suing for.

 

Please do not start a new thread for every question regarding this claim.

THIS is your "battle-thread" and should be used for any post regarding your Abbey claim.

 

I will get all your threads merged into one to tidy things up.

 

Good luck.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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4 threads merged please try to keep it all in here now !!!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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