charleyfarley v abbey ***WON***

[mariejader]

ljohn I have only just found out about my acknoweldgement, I don't really see you have any option but to wait.

[charleyfarley]

As you said marie....acknowledgement of service dated 2nd March, letter waiting for me when I got home tonight. They seem to be doing this quicker than in the past, which seems to me to be a good thing rather than waiting until the very last minute for everything. Or am I just wishing?

[mariejader]

I wonder if they are stalling for more time until the report from the oft is published which I understand is due end April?

 

I am a little worried this may effect our claims?

[wotnext]

Hi charleyfarley. I am following the same process as you. I completed my N1 form and the court sent my Notice of Issue. The Abbey have until 16th March to reply.

 

I haven't heard anything so far and I reckon that Abbey probably won't bother responding until nearer the 16th. It seems from other threads that they stall it for as long as possible.

[charleyfarley]

Hi wotnext and marie,

 

My impression of Abbey's tactics is that they stall as long as possible with everything they can think of, which is why I was surprised how quickly they acknowledged my claim and others on here. I don't expect a defence from them until the 27th day out of the 28 they're allowed, but at least on here you can see a pattern emerging and you're not isolated which is what would happen if this great site didn't exist.

 

My next claim is against Capital One so I've been reading up on there and even with the OFT report, they are paying back the £12 maximum recommended charges to avoid declaring their true costs..

[mariejader]

As you said marie....acknowledgement of service dated 2nd March, letter waiting for me when I got home tonight.

 

I still have not received anything from my court does the letter you have received advise you what you need to do next? or is it just another few weeks of waiting?

[charleyfarley]

Hi marie,

 

It wasn't really a letter, just an N10 form from the courts saying Abbey had acknowledged. 28 days from date of service to file a defence takes me to 28th March, and you to 23rd I think. So more waiting and reading on this site........

[mariejader]

it's the waiting I don't like I feel I should be doing something, like you said above at least we know what happening with others so it does not come as a big shock

[mariejader]

any news Charley?

[charleyfarley]

any news Charley?

 

 

Hi marie,

 

No, nothing at all. I had fully expected the 50% offer and defence letter by yesterday so I'm quite surprised.

 

 

How about you?

[mariejader]

same as you nothing,

 

my guess for me is going to be Wednesday 26 days

[charleyfarley]

Well, Abbey haven't forgotten about me after all...........defence received today. Usual stuff about "fees reflect and are proportionate to administrative expenses, Claimant remains liable to pay such fees as may be found to be proportionate"

 

I don't think so, so stand up in Court and prove it:)

 

 

PS No GOGW of 50% . Maybe I've been bad and don't deserve it.

[mariejader]

PS No GOGW of 50% . Maybe I've been bad and don't deserve it.

 

Have they not made you any offers since you started?

 

The 50% offer was the first time I had been made an offer which compared with everyone else I thought that was odd

[charleyfarley]

AQ received today.has to back at court 10th April.

 

Mariejader, have you done yours yet because I want to be able to copy what you've written!!

[mariejader]

AQ received today.has to back at court 10th April.

 

Mariejader, have you done yours yet because I want to be able to copy what you've written!!

 

I have not received mine from the court but I have printed one from the net and cut and past the details into it

[charleyfarley]

Have they not made you any offers since you started?

 

The 50% offer was the first time I had been made an offer which compared with everyone else I thought that was odd

 

 

I received a GOGW after my LBA. It was about 15-16% and in addition they refunded my next months charges and they weren't even on my claim, so I can't really complain too much ( I would have rejected it anyway, but it would have been nice to have been offered 50% the same as eveyone else)

[charleyfarley]

Question about my AQ for those who understand these things.

 

I have an N150 for Fast Track allocation and section G refers to costs, saying I can only enter a figure in here if I am solicitor. What about a Litigant in Person?

I have been working on the understanding that in the Fast Track then costs are applicable to both sides, so how do I claim them?

[pmahonc]

Charletfarley

I left section G blank, I read it that you only fill this in if you have a solicitor working for you. I presume that mentioning that i will be claiming costs in the POC is enough.

The following was in the banks template library about how to fill in an AQ form N150

 

Quote:

Section G - Costs

Quote:

Do not complete this section if you have suggested your case is suitable for the small claims track or you have suggested one of the other tracks and you do not have a solicitor acting for you.

This speaks for itself - leave all fields BLANK unless you know differently

 

 

 

regards

pmahonc

[charleyfarley]

Charletfarley

I left section G blank, I read it that you only fill this in if you have a solicitor working for you. I presume that mentioning that i will be claiming costs in the POC is enough.

The following was in the banks template library about how to fill in an AQ form N150

 

Quote:

Section G - Costs

Quote:

Do not complete this section if you have suggested your case is suitable for the small claims track or you have suggested one of the other tracks and you do not have a solicitor acting for you.

This speaks for itself - leave all fields BLANK unless you know differently

 

 

 

regards

pmahonc

 

Thanks pm,

 

I've read that too which is what confused me because I understand you can claim costs in the FT, so you would expect to include them in the AQ even if you are LiP.

[sparkydawg]

Hey Charley,

Looks like your claim is running smoothly just like mine. AQ date was 22 Mar so you still just behind me. Good luck:)

[webbster]

Hi Charley

 

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

 

Good Luck X

 

 

Hi i was just reading your answer to a thread..Hope you don't mind cos i am at the stage of maybe going to court as i have recieved a date when the judge is going to decide what to do, what do i have to do as regards a court bundle?

 

Webbster

[mariejader]

Hope you don't mind cos i am at the stage of maybe going to court as i have recieved a date when the judge is going to decide what to do, what do i have to do as regards a court bundle?

 

You will find the information on the bundle here

 

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

 

I would recommend that you start your own thread regarding your case with Abbey then people will be able to help you directly with any questions you may have

 

Good luck

[pmahonc]

Charleyfarley

I suspect that they understand that the figure for costs could vary wildly from person to person and that a lay person shouldn't be expected to be able to estimate how much a claim was going to cost, whereas a Solicitor should be able to.

I just put in my POC that i would be claiming costs and i'm keeping a spreadsheet on time spent researching, postage, photocopying etc.

 

pmahonc

[charleyfarley]

AQ received from Abbey as an early Easter present. It all seems fairly standard, and I'm not planning to file until Tueday so it allows me to have a reassuring look at their intentions first.

 

In their draft directions they've asked for Claimant and Defendant to file and serve, 14 days prior to the hearing " copies of all documents on which they intend to rely on at the hearing".

 

Well make sure you let me have an accurate breakdown of your costs please Mr Abbey!

 

Well what shall I do this sunny Easter morning..........eat Easter eggs or complete an AQ? (actually I should include go to church as an option as well)

 

 

On we go........................

[cassie2006]

Hey Charley

 

I'm at exactly the same stage as you.

 

I never had a 50% offer only a GOGW of £323 at the beginning (they only put £282 in my account.

 

I have to fill in AQ today - it has to be in by 11th Feb.

 

Feeling a bit out of my depth now but hell, I've already spent £250 on the claim!!

 

Any tips on what I need to include in the AQ would be gratefully appreciated. I keep putting off starting it..............

 

Claiming over £5k including interest.

 

Good luck everyone. Seems there are a lot of us at this stage right now.

 

Cassie