boxer64 v Abbey

[boxer64]

hi folks,

this site is just what i have been looking for,

so hear goes,

first i have a abbey account i think i have some books that go back over ten years,

how far back can i claim?

Can i claim for interest charged while within an authorised over draft?

 

i also have a payment protection plan problem with a halifax personal and loan.

 

any links or help would be great.

 

i hope im doing this wright

[mrsfoot]

HI and welcome

 

First of all go straight to FAQs and have a read and read all you can! Then strat a thread in the Abbey forum, where you will get great advice from others who have gone through or going through the same process.

 

You can claim back 6 years and yes you can claim back interest but you really need to rad the process thoroughly to ensure you do this correctly.

 

PPI with Halifax, have a look at the halifax forum on here and see what other have done, and again read read read!!

 

Good luck and the links are below!

[Bigmac versus]

Well hello and welcome this site is great and gives you all the info you require, firstly you can claim back 5 yrs in scotland, 6 in england, you can claim interest (contractual) as you have been charged or settle for the judicial rate of 8%, that is your choice and you would be wise to read a few posts before deciding which route to take.

At the moment the Limitation Act only allows you to claim back this far but the Act itself is currntly being challenged although there has been some success this is due to settlement out of court.

[buckreinart]

Hello,

 

I found myself and my family in a desperately dire financial position when I had a near-fatal road traffic accident 4 years ago. I have been unable to work for some time.

 

Despite serveral phone calls and letters to our banks, First and Abbey, we were still charged for overdraft and unpaid direct debits. And we also found ourselves living off credit cards!!

 

To cut the story quite short, First Direct finally served a default and closed our account and demanded to pay back over £3,000 immediately. We could not as we were running a monthly deficit. It did not stop them from handing our account on.

 

I was offered a substantial out of court settlement for my accident (3rd party).

 

It is now my mission to get justice; a) from both banks by claiming back a full six years of charges and; b) not paying back the full amounts required by the credit companies because the are acting unlawfully by pushing credit onto vulnerable customers!

 

So far I have got £900 taken off the balance that First Direct had passed on to another credit company and I paid the remaining balance in full. I have now received my full six years of bank statements from First Direct ( and I must say it really is a waste of paper), I am claiming back all charges related to this account, 100% or more!

 

Abbey next!

 

I have been successful in offering two credit card companies 50% of the remaining balance too. I did feel really bad about this but I am now coming to terms with this as I am still being offered credit cards left, right and centre! VERY UNFAIR and perhaps unlawful?

 

It is time that we stood up to these unlawful capitalist institutions that profess to be service providers, for the sake of our children and young people.

 

Best regards,

 

Buck.

[MARTIN3030]

Hi your posts moved here to Abbey bank group

[boxer64]

hi guys,

been browsing threads and faqs, as i have both bank and PPi claims with both abbey and halifax.

does any one know if mortgage account charges come under the same principles? read the faqs i people say

 

after reading various samples and templates, have come up with this version or the S.A.R - (Subject Access Request) letter for abbey;

any comments please feel free i should be sending these out in a couple of days.

its a bit long winded but i think it covers the microfich etc...arguments