bigmama v Abbey

[bigmama59]

I sent a SAR to Abbey on 24th November asking for details on 2 credit card accounts and today they sent me some of them with a letter saying as a gesture of goodwill they are crediting £80 to one of the accounts and returned my cheque of £10. Any idea what I should do now?

[jumpjet]

I would write to them and thank them for their goodwill payment. and inform them that when you recieve the full info on your accounts you will send them details of what they owe you.

 

I have had two similar letters from MBNA.

 

The first time I wrote back they cridited my accound with £300 and the second time I wrote sending the schedule they offered a further £546.00.

 

I pointed out that I did not ask for "Goodwill" just my charges back.

 

I am awaiting their 3rd. response.

[bigmama59]

Do they still owe you much more then? Did they actually pay the two amounts into your account?

[jumpjet]

Do they still owe you much more then? Did they actually pay the two amounts into your account?

 

hi Bigmama,

 

Not a great deal more. On my letters to them I have 1st asked them for charges ( £300). Then pointed out that at court the would halso have to pay 8% at court ( £546). the origional claim is all but paid but I have now asked them to tell me whether they are giving me "goodwill" which I understand to be recompence for my disatisfaction. Or whether they are reimbursing me for charges. |i have now pointed out that if I take them to court I could charge a contractual rate @ 15.9% or higher. I have asked them to respond by supplying me with the highest rate of interest I have paid. Or a copy of all the interest and balances ( as they only supplied a list of charges). Or to calculate the amount for me and send me a varifiable copy. I want them to admit they are charges. But if I do have to go to court, I also want them to produce "avoidance letters" to give me some evidence.

 

Besides..... I'm enjoying winding them up!

[bigmama59]

Have you heard anything more yet?

 

I sent off a prelim letter with a schedule including contractual interest but haven't had anything back yet

[bigmama59]

Sent LBA

[bish]

Hi bigmama

 

Did you give them a time scale?, if you did then once that has expired issue your claim on the N1 or with MCOL. Good luck.

 

Regards bish.

[bigmama59]

I sent the usual LBA with the 14 days timescale so they have until the beginning of March

[bish]

Hi bigmama

 

Karn is right get the N1 ready as you will need it. Templates library is very useful as is Karns links. Attach a schedule of charges to the N1 and good hunting.

 

Regards bish.

[bigmama59]

Thanks both of you for your help:)

[bigmama59]

Received more statements today with more charges on them for 2003 that they conveniently had forgotten about! Can I just send an amended LBA with these included or do I have to start again? The 14 days from the previous LBA would have been up on 2nd March.

[jumpjet]

I would write to them again including your revised spreadsheets and advise them that the new figure is what you are now claiming for. If they have withheld info then it is thier fault not yours and the LBA date should stay the same.

[bish]

Yes just amend the schedule to include the new charges, and tell them in the LBA that you have revised and ammended the schedule to reflect recent further information received from them.

 

Regards bish.

[bigmama59]

Got a letter yesterday to say they don't agree with me but they are refunding all the charges!

[bigmama59]

They have credited the charges back on my card statement so at least I don't owe them as much now and it should be paid off by the summer:)