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charleyfarley

charleyfarley v abbey ***WON***

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New Year's resolution........get my backside into gear and claim the £7K that the abbey have taken from my account in less than 3 years. And I stood by and let them do it!!:evil: :? :evil: :?

 

I've got the statements,done the calculations, written the Prelim.......now the question

 

Do I send the letter to the local branch/Head Office/Complaints dept??

 

Many thanks


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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Send it to....

REGISTERED ADDRESS: -

ABBEY NATIONAL PLC

ABBEY NATIONAL HOUSE

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

 

They will pass it on to the correct department.

  • Haha 1

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Prelim letter sent registered post today for £7630.

 

Let battle commence!!

 

:-x :-x


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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good luck Charley. Hope you get the lot back with interest.

 

Will be starting my own battle in the next few days so I will be following this thread , also with interest hehe

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Hi Charley this is my 1st post I only found this sight a week ago and have been reading a few of the other threads where peeps have won. I am just getting into gear to complete my N1 ,I have already done the bank letters b4 finding this sight ,with just a good will offer .Good luck I will be watching your thread and keep you informed about how my battle is doing if thats ok .Not posted b4 so very new to this thanks Debbie

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Hi Deb,

Good luck with your claim. After reading lots of the threads on this site

I get the impression that everyone is very supportive with lots of sound advice, so go for it!!


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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Reply from Abbey today..........usual standard letter stuff......"take the complaint seriously, take four weeks to investigate"

 

Thank you but no thank you.........LBA on 24th


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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LBA sent..........including interest it's up to £9k, and I've got a spreadsheet running for costs at £9.25 an hour, which is up to 6 hours so far and I've barely started.


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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have you told them about the costs part of it yet?

 

Is it normal to do this? Not seen many others adding in their time/costs but it sounds good to me, hehe

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Told them in the LBA I would claim for a refund plus costs and interest. Because the claim is over the £5K standard threshold for the small claims track,then you can claim £9.25 an hour in the Fast Track. I read of another poster has just won 49 hours prep time at £9.25, so it's better than a poke in the eye.

 

Don't know if the same applies to the SC


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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Hi Charley ;)

 

So long as you have had to prepare a court bundle you can claim it.

 

Good Luck X


;) If I helped, then please click my scales ;)

My advice is only my opinion...

 

Please read the

FAQ's

 

Sign the Phil Whitmore petition:

http://petitions.pm.gov.uk/PAYUSBACK/

 

Abbey - £1600 - WON!!

 

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Hi,

Sorry to crash in but I have not heard this one. Can it be added if you have already submited an N1 form to the courts?

 

Simcap:confused:

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Thanks for your message of support on my thread yesterday, I will indeed follow your case with much interest! Good Luck. I was wondering which spreadsheed you had used and if you could quickly explain how you go about claiming statutory interest rather than the 8% court interest. Bit unsure about this - any help at all would be very gratefully received.


[FONT=System][COLOR=darkorchid]29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=darkorchid]17.2.07 - Preliminary letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]5.3.07 - LBA sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]28.3.07 - N1 filed at Worcester CC![/COLOR][/FONT] [FONT=System][COLOR=#9932cc]1.7.07 - AQ filed at Worcester CC[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]6.9.07 - Court Date!!![/COLOR][/FONT]

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Hi James,

 

This is the gospel according to the Vampiress with all the relevant spreadsheets

 

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=56&Itemid=36

 

I wasn't charged much interest with my charges despite the actual value of the charges, so that's why I've chosen to go down the 8% route, but the contractual route is more lucrative.


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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Hi everyone,

 

Abbey are in a good mood...........GOGW payment of £1300 + £200 I've not even been charged yet!!

 

Thank you very much, but I'll still see you in court

 

Onwards and upwards!!:)


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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Letter from the "Head of Complaints" with the usual.........one of my team, investigate, relevant paperwork,review the facts etc etc.

 

I bet he's a busy man at the moment if this site is anything to go by!


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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Hi m8,

 

Handed in my N1 on Fri 2nd so we a but closer timescale now.:D

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Quick update,

 

Senior Customer Resolution Manager says he's carried out a full investigation into my claim and he can assure me that those charges do not contravene Unfair terms in Consumer Contracts Regulations,1999.

 

you obviously take my claim so seriously that you send me a copy of the letter you send to everyone else, with the same reply.

 

Well my answer to you is.................. "N1 tomorrow"

 

:lol: :lol: :lol:


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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Just spent my entire evening completing my N1, and after two mistakes on all three copies, I do believe I've cracked it! So a trip to Court tomorrow with a cheque for 250 big ones(refundable of course) and we're in business.

 

:)


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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N1 submitted,claim number issued, 250 quid paid, expect to receive confirmation of being served by Wednesday next week.

 

This is where things get serious


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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Notice of Issue received today and Abbey are deemed to have received today as well. Reply by 14th March or pay up please:)


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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Hi Charleyfarley I have been reading your posts with interest I am a few days in front of you Abbey have till Friday 9th to reply, but to date I have not had any GOGW's.

 

Fingers crossed for you for 14th


Nat West Settled 2 acct's before action:

 

£2194.77 settled £1904.00 08/01/2007 less interest

£650.93 Settled overpaid GOGW £850.00 02/01/2007

 

Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)

Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying

LBA 22/01/07

 

14/02/07 N1 filed @ local court

21/02/07 issued claim

23/02/07 deemed served

25/02/07 Abbey acknowledgement defend in full.

19/03/07 defence + 50% GOGW

13/04/07 AQ final day for submission

30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"

01/05/07 Judgement order

8/05/07 Warrant of Execution requested

 

 

Media coverage :D

 

http://news.bbc.co.uk/1/hi/business/6701231.stm

 

http://www.newburytoday.co.uk/News/Article.aspx?articleID=4505

 

 

If you find my post helpfull then please click my scales:)

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Hi marie,

 

Knowing the way Abbey operate then they'll wait until the last minute before acknowledging the claim to give them a few more days delay, so I don't really expect anythng on the 14th, but wouldn't be great if they did!!;)


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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have you called and checked the status with the court? I have just done so on my case and they have acknowledge the claim 2 working days after it was served now more waiting


Nat West Settled 2 acct's before action:

 

£2194.77 settled £1904.00 08/01/2007 less interest

£650.93 Settled overpaid GOGW £850.00 02/01/2007

 

Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)

Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying

LBA 22/01/07

 

14/02/07 N1 filed @ local court

21/02/07 issued claim

23/02/07 deemed served

25/02/07 Abbey acknowledgement defend in full.

19/03/07 defence + 50% GOGW

13/04/07 AQ final day for submission

30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"

01/05/07 Judgement order

8/05/07 Warrant of Execution requested

 

 

Media coverage :D

 

http://news.bbc.co.uk/1/hi/business/6701231.stm

 

http://www.newburytoday.co.uk/News/Article.aspx?articleID=4505

 

 

If you find my post helpfull then please click my scales:)

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I have just had the wait 4 weeks for a reply letter like you had back in January. Can I ask how you replied to it please? I do not want to wait and from what I have seen on this site I clearly should not wait.

Thanks

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