Dessie v Abbey ***SETTLEMENT REACHED***

[Dessie]

Trip to court down the road today to file my AQ.

 

Had a letter from DLA on Saturday, got all excited cos I thought it was THE letter, but no, was just their confirmation that they had filed their papers. They did not send me a copy!

[Dessie]

And on another point, following the shAbbey's letter telling me that they would be passing my account overdraft for collection and that they would enter a default notice, I wrote to them referencing the DPA. I have received another bank statement since then and they are now no longer charging interest on the overdraft!

[Dessie]

It is done, could have done without another £100 expense this month but there we go, it had to be filed. Very nice girl at the court, very helpful so made the whole process ridiculously easy.

[Dessie]

Emailed Alison Burton with an offer to try and get the final bits sorted quickly as I could really do with the cash now lol. I said I would accept the £4985.00 plus interest as of 19th July, when I first contacted DLA with my schedule of charges, and that I would waive the legal fees (arent I generous lol - £220!).

 

Not had anything back yet.

[Dessie]

I'll give her a nudge tomorrow morning if I havent heard anything today.

[Dessie]

Oh and I had another "sorry you had to complain" letter yesterday. I think it was in response to my DPA letter regarding them registering a default notice for me not clearing my overdraft.

[Dessie]

Had a reply from Alison this morning, she is waiting for a response.

[Dessie]

Intriguing

 

Without prejudice

Robert,

I will let you know when I receive a response from my client, however, on reflection I should inform you that I consider that it is unlikely that there will be a positive response to this offer. My client considers that it has a valid defence to your claim, and given that your claim is for a more substantial amount than some of the other bank charges claims which my client is responding to at present, it is unlikely to regard your offer as an attractive offer to settle the matter.

With this in mind, if you would be prepared to reconsider your offer and provide a more reasonable and realistic counter offer I may be able to persuade my client that it is in the interests to all parties to reach an expeditious settlement to the matter.

If you have any queries in respect of this matter please do not hesitate to contact me, or my colleague Laura Shingler, who I have copied in to this email.

 

Kind regards

Alison

[Tina&Gaz]

Cheeky buggers!! asking you to lower your ''entitled'' money back!

 

I'd tell them to stick it and go for the full whack now!

[scoot001]

I have read through all this and have started my claim. I have already sent abbey a letter requesting how much the charges are that have been applied to my account and not recieved anything back! I have also recieved a letter threatening to close my account. I'm really stuck on what to do next (confused really) can ne one help?

[Dessie]

Have sent you a message Scoot.

 

Start a thread and dont worry about asking questions, we're all in the same boat and just about everyone has had any letter you may receive.

[Dessie]

Went in today with final offer of 10% off of my total claim and..............

 

Robert,

I can confirm that the Abbey are willing to accept your offer.

In order to bring this matter to a close in the most expeditious manner possible I have requested that they start processing your offer today. However, please be aware that it may take between 7 and 10 working days to process your payment.

I will send you out a revised offer letter in this evening's post which I should be grateful if you would sign and return to be at your earliest opportunity.

I hope that this is a satisfactory outcome to this matter. If you have any queries please do not hesitate to contact me either by email or on the telephone number below.

Kind regards

Alison

I have not been this happy since I was at a Prodigy concert last October

Total settlement - £5248.79

:D:D

[Lula]

Well done Dessie, dont stop the action though till you have Cleared funds. Good on yer gel!!!!

[Dessie]

Thanks to everyone on here for advice and help. There will be a nice fat donation making its way to you very soon.

 

 

Please can a mod edit my thread title.

 

I will do the survey as soon as I have received the money.

[jayne67]

Congratulations Dessie, Abbey are paying up thick and fast now...seems like they are conceding to the inevitable........

 

Jayne

[sarah thompson]

i started my claim last week i am doing it on line and by letter i have put an estimate in which i can change at a later date has any one tried this will abbey credit card i rang them who deal with visa cards balance was £4,500 in one cal because i said i was going clear the debt and i said about the charges i got it down to £2000 so i am thinking maybe they owe me more than that so i will try again

[Dessie]

Interestingly, I think the solicitors have carte blanche to negotiate whatever settlement they can if the claimant enters into negotiations. I have made offers just about each day this week and have just had "as soon as I get a response I'll tell you", but I have never actually had any official rejections of my offers.

 

This morning I made my final offer to be accepted before close of business or I would withdraw all offers to settle and allow the claim to run its course and within 45 minutes it had been accepted!

 

I could have waited for full settlement but I am in dire need of a bit of cash lol.

[Dessie]

i started my claim last week i am doing it on line and by letter i have put an estimate in which i can change at a later date has any one tried this will abbey credit card i rang them who deal with visa cards balance was £4,500 in one cal because i said i was going clear the debt and i said about the charges i got it down to £2000 so i am thinking maybe they owe me more than that so i will try again

 

Dont know about credit cards Sarah. Best start your own thread or else your question will get buried.

 

Good luck

[jonni2bad]

Congratulations Dessie

 

Would you please remember to fill out the SURVEY - it only takes a few seconds

 

Well done!

[Odd Fellow]

Another Success Story.

 

Good on yer!

 

Odd

[Tina&Gaz]

CONGRATZ!!

 

just wish mine would hurry up a bit now

[Rachlouie]

Well done in getting your money back how exciting. How does your bank account stand now does this mean that you can go back to using your account as normal and paying off the overdraft or not. My account is currently £474 overdrawn + the £1000-00 overdraft my money now goes into my husbands account just wondered if I was doing it right? Well done

[keanej]

well done Dessie

[Almoner]

Well done , Dessie. I have have just received copies of microfiched statements for past six years after protracted "exchanges with Scabbey Abbey... following the guidance in this website.. Can I ask what categories of charges did you specify on Spreadsheet ? .......i.e

1)Unpaid Direct Debit

2)Unauthorised Overdraft fee

3)Cleared Transaction

4)Int debit

5)Unpaid cheque charge??

 

All of which have been charged to the account.

It looks as if my claim will also have to be processed in "Two lots,"as well .Anyone else who has completed the claim after initial hurdles of obtaining records using DPA REGS??

[Dessie]

All of them is the simple answer, if you dont ask you dont get!

 

The thinking from what I have seen recently is that if you are going in 2 lots then split it by catagory rather than dates ie put in a claim for Unpaid items and then the second claim for the other items.