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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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zzub

Ben Vs Abbey

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After paying Abbey £10 not once but twice - and waiting a little while - to get hold of my *own* bank statements, I find out that they owe me £1271 in charges.

 

Most of that is from the one year about three years ago that their charges kept putting me back over my OD limit and then they charged me £20 for each charge that I couldn't pay to them from my bank. Go figure. The worst was the £150 they took out on Christmas Eve - not because I didn't pay my Christmas but because I hadn't paid them for the month before in charges!

 

Anyway, I have done the maths, and posted the letter today. Let's see what happens next.

 

This is my first post into this forum, so any advice, common sense, or even just some moral support would be nice.

 

I have opened a lovely parachute account, but I went into that bank today just to check the account was ready and the (ONE - Saturday after Christmas!) person was not the smartest beastie in the shop, so I hope Abbey don't close my account.

 

However, have a great new year everyone. This money will certainly help me have one myself.

 

Cheers,

Ben :D

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Best of luck, I'm at a simiar stage as you but still waiting for the rest of my statements. It seems just a case of going through the motions, sending the letters and not giving up at the first offer! Gets a little complicated when things get to court but its still very doable (I hope).

 

Keep us updated.


Edd V Abbey

13/12/06 SAR sent

29/12/06 First 14 months statements received.

12/01/07 Microfiche received, charges of £1605 plus contractual interest at 28.7% gives total £2562.90.

15/01/07 LBA requesting £2562.90 sent.

 

Edd V Egg CC

19/01/07 SAR sent

 

Edd V Lloyds TSB CC

19/01/07 SAR sent

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Well, well.

 

The 14 days have passed. Have Abbey offered me anything? NO

Have they threatened anything? NO

 

Have they done anything at all? NO

 

So, maybe they hope I have forgotten about the £1400 they owe me of my money...

 

Er... no...

 

Second letter to Abbey being penned now...

 

Wish me luck, fellow bank charge reclaimers...

 

Zzub

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Good luck fellow BCR, its a long and winding road, may you fly as the crow. If not S**t on them from a great hight.

 

Regards bish.


Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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After saying that Abbey had no reply.

 

After 14 days, I get a letter from them. It says not:

 

HAVE YOUR MONEY BACK

 

Not even:

 

HAVE SOME MONEY BACK...

 

More like:

 

Let us work out how much we think we owe you in our own time (about two months) and then that will be okay. We are in a better position to know than anyone else, and best of all - our services are free!

 

Its exact wording is quite patronising. So, I am going to ignore it and post the Letter Before Notice in the post Monday morning.

 

Cheers all,

 

ZZ

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Sent letter before notice.

 

Got a reply today.

 

They put £150 in my bank.

 

Now, I know I have to start the court proceedings and I am about to do so now.

 

Do I now need to write to abbey as well and tell them that their £150 was a nice start but actually less than 10% of what I expect them to pay...

 

Cheers,

Ben

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yes and remind them of your timetable (if the 14 days to N1 isn't up yet, otherwise just do it). regards, Mad Nick


Abbey £8370 settled 17 Apr 07

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Hi ben,

 

Keep it going.........it's early days yet, but I think I'm at exactly the same stage, so will follow what goes on with you.

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/55539-charleyfarley-abbey.html


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Ok, I will write to Abbey and let them know. No problems.

 

Help needed though... I do I get my bank claim into under 24 lines and 1080 characters. I have tried several by I can't quite manage it... anyone got a template to use?

 

Cheers,

|Z|

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Hi Z,

 

I take it you are using MCOL which is a bit restricting, you could always fill in an N1 and post to the court with a cheque. It gives you more scope to attatch a schedule of charges and plenty of room to get your claim down. You can also hand it in by hand and pay cash. Try the library for templates.

 

Regards bish.


Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hey all...

 

I found an excellent template on Money Saving Expert (letter 7 to be precise)... I have filled in the Court Claim and paid the £120.

 

Hey - I am now a claimant in a court case. For the first time in my life. A bit exciting.

 

The irony was that I didn't know where I was going to squeeze the £120 for the court case from, but Abbey paid me £150 as a gesture of good will so I have used that to pay the court. That I really like.

 

Anyway, do I need to write to the Abbey again at this point?

 

If so do I need to:

 

1) Accept the £150 as PART payment?

2) Inform them anything about the court case?

3) Wind them up and slag them off about paying me about 10% of what I have asked for?

 

Any advice from someone who has been there would be welcome.

 

My other problem is I am in India 10th - 18th Feb... will I miss anything exciting being out the country? I worked out that the court has 5 days meaning (from Monday 5th) Monday 12th. Then Abbey has 14 days = Feb 26th so I should be back with plenty time. Could someone please tell if my maths is correct.

 

Thanks so much...

 

|ZZ|

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Ben,

1) Accept the £150 as PART payment? Yes - "accept as partial settlement but still claiming the balance".

2) Inform them anything about the court case? If you've only just done MCOL, then it wouldn't hurt to tell them (and what their next deadline is).

3) Wind them up and slag them off about paying me about 10% of what I have asked for? I wouldn't bother winding them up, but you ought to tell them why you are not accepting their GOGW in final settlement; ie they have ignored the fundamental issue which is where, if you wanted to have a pop about something, you could ask again for a breakdown for their costs associated with your breaches "because you think this is fundamental to your claim and that you therefore expect this to be requested by the Court if Abbey chooses to defend the claim".

 

..... and if you did MCOL but haven't sent copies of your schedule of charges to MCOL @ Northampton to get them joined up with your claim, Abbey will send a snotty "how can we be expected to file a defence without the details" letter which will probably arrive while you are away. You'll probably also be away for the letters from the Court confirming Notice of Issue (served on Abbey) and confirmation that Abbey intends to defend the whole claim, but they are just for information. The next big event will be Abbey's defence. Regards, Mad Nick


Abbey £8370 settled 17 Apr 07

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Well, Mad Nick you must be psychic.

 

I have returned from India yesterday - didn't check the mail (except for the Dominoes Pizza coupons because there was nothing to eat in the house).

 

Sitting here tonight wading through the mail, I found my letter from the Court confirming Notice of issue, and the confirmation that Abbey intends to defend and the snotty letter from Abbey saying "how ever, you have provided no details as to how this sum has been calculated. Similarly, you have not provided details of the £199.06 claimed by way of, interest showing how that amount is made up with reference to each charge."

 

Talk about tortuous use of English!

 

In addition, this letter is actually from Abbey National plc. Well, that is who it says it is from. It even has a signature of an "A". Can you get over that? Not a letter from head of complaints or from legal, no - Abbey itself has sent me a letter!

 

So I have penned a letter back basically saying that if two times was not enough to be sent my full schedule of charges, then I have enclosed it a third time. Thank you for the £150, but it is accepted as partial settlement, and that I have prepared my paperwork for the court which I will send them a copy in due course.

 

Is there anything else I need to do at this stage???

 

Thanks so much for your help.

 

|ZZ|

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Ben,

Well, Mad Nick you must be psychic.
Now, let me look into my crystal ball (no jokes, pleeeez). I see good fortune ahead for you my dear chap. I see an envelope on your doormat. I can't quite see inside. Wait, it's coming clear. Yes, it's a cheque inside for £1271 + interest + Court fees. But wait, I see another 2 envelopes first :
  • one from Abbey with a copy of their defence and a 50% offer in final settlement;
  • one from the Court with the official copy and an AQ to fill in.

and I see you diligently reading this link to get ready for the final stages :http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

 

Regards, Madame Nick !


Abbey £8370 settled 17 Apr 07

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Ok, got the copy of defence from Abbey. Got the offer of 50%. Nick, could you tell me the 6 numbers that... never mind...

 

Got letter from the COURT with form to fill in.

 

Got ill. Missed a few days from doing anything.

 

Now panicking... looking for forms for court.

 

Now they want ANOTHER £100 because I filled in the MCOL first time round and this is for my local court. Is this normal, can someone advice?

 

Also, am I against the clock now, because I have an OFSTED inspection on Wed and I need every second to make them think I am organised?

 

Can I just leave the court thing for a couple of days?

 

Please advise.

 

Thanks so much.

 

Cheers,

|ZZ|

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Just to clarify my previous post - I haven't got a court DATE, I have paperwork from the COURT to fill in, with which they are asking for £100 (which is not lying around to be fair!)

 

Cheers

|ZZ|

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Ben, the form you've mislaid is the Allocation Questionnaire. It would have come with your claim number written on and a deadline for return (and you have to cough up the £100, sorry). You have to meet the deadline. Mine came on about 9 Feb with a deadline of 2 Mar. I suggest you ring the Court and ask what the AQ deadline is for your claim, say you've mislaid the AQ and ask if it's OK to fill in a copy from here : http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForms.do;jsessionid=81E54BB17BDBBDD17597D468C07EF181

I expect they won't mind.

 

You also ought to reject Abbey's offer. Note that it was "Without Prejudice" so don't include it in your Court bundle. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

After you return the AQ, the Court will reply with the Judge's Directions (ie to submit a Court bundle) and a Court date.

 

Regards, Mad Nick


Abbey £8370 settled 17 Apr 07

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I have just found the Court Form. (It was in with my Toys R Us statements in my finance folder - go figure!).

 

Ok - my date is 21st March, so I still have a little time.

 

Couple of stupid questions:

 

1) This hundred squid - we get that back don't we? Abbey will pay that to us???

2) When you say I should write to Abbey - just a simple letter rejecting their offer?

3) What roughly will be the gap between the AQ and the Judge's Directions?

 

Cheers,

|ZZ|

Cheers,

|ZZ|

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Last stupid question:

 

On section G: "OTHER INFORMATION" should I write anything or leave blank?

 

Sorry for being so dull, I am not yet 100%, have a billion things to do and I am tired!

 

Cheers,

|ZZ|

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P.S.

 

The AQ says I only need to pay the £100 if the claim is over £1500.

 

Now my claim is for £1470, but if you add the ORIGINAL COURT FEES from the MCOL to that then it is for £1620.

 

So which is it?

 

Sorry for all the questions.

 

Cheers,

|ZZ|

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Hi zzub,

 

I've been suggesting you read post number 74 + 75 for section G stuff

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/60102-sam78-abbey-4.html

 

and thanks to sam78 for all his work that I've been ripping off to all and sundry for the last week!


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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