sam78 V's Abbey***WON***

[sam78]

It suits me too, a bit more interest in my pocket. Think the delays are more likely to be due to the scallies in our area lol

[Truth42]

Good luck Sam,

 

I'll be watching your progress.

 

Truth42

[sam78]

I think I may have sussed out who the abbey dish out GOGW's to. My account is in credit with them and has been run without any 'penalties' for almost 18 months.

 

From reading quite a few threads it appears that GOGW's are only being offerred to those who owe the abbey some money through overdrafts etc.

 

What do you think?

[kenneth014]

Hi

I owe the abbey about 1300, but i stopped using the account back in 2002 when i realized what they were charging me each month !

I have not had a gogw from abbey, infact heard nothing since they submitted their defence. My hearing is scheduled for 8th may. I was beginning to think i was the only one they have been ignoring.

[sam78]

That's what I thought. Never mind, perhaps there's some other method to their madness.

 

Good luck with your claim, I'll watch your threads to see how your getting on.

[spicester]

I think it is probably just a new tactic in order to get those who aren't so strong willed to cave in at the first sign of receiving some money - at the end of the day if you accept it as full settlement they have got away with paying you a lot less than you are entitled too!!!

[sam78]

Very true, I just feel a little devalued that they haven't offerred me anything other than a fob off.

 

I don't suppose it matters when I get my money back just as long as I get all of it. I'll probably change banks as a 'thank you'.

[sam78]

Just a quick question. My prelim letter was one taken from moneysavingexpert.com and I've noticed that it doesn't request the bank make a disclosure of costs involved with charges. Should I include something somewhere or can that wait til a further point?

[Mad Nick]

sam, their failure/refusal to disclose their true costs is fundamental to these claims, so you really need to ask, ask and ask again, then see if you can get the Judge to Direct them to produce them as evidence. Regards, Mad Nick

[spicester]

I have already done that changed to Natwest lol. Have cancelled all my direct debits, moved wages etc just got one cheque to go out for £89 for council tax then closing the account so they can stuff there Goodwill payment then. I would make arrangements for another account now just in case. Natwest Steps is good if your credit aint to good. Still do everything just no chequebook.

[sam78]

Thanks for the advice.

 

I've now issued my claim at the courts, so I presume I just sit back and wait now. I also sent a recorded letter to the abbey today advising them that I was unhappy with their response so far and that I had issued against them. I also listed the cases that have been brought against them that they have settled out of court. This letter was included with my court papers too.

 

Should I receive my copy in the post with the date the papers were served?

[Mad Nick]

Sam,

Should I receive my copy in the post with the date the papers were served?

Yes indeedy. I got mine 2 days later, but some Courts are much busier. Regards, Mad Nick

[sam78]

Think I mentioned earlier that my local court is full of thugs and scallies, this shouldn't affect my claim timescales should it?

[Mad Nick]

..... only if the Judge is one !

[Guest ian cognito]

Different Court for ASBO's Sam - unless there's something you're not telling us!!!

[sam78]

Nope, not for me lol.

 

I've received the paperwork this morning and the case is deemed served on the 9th Feb - tomorrow. Is it usualy so quick to get this info back?

[sam78]

Bit paniky now. My case was only handed to the court last wednesday and I received my docs on Thursday advising the claim is deemed served from Friday (9th) Lo and behold I've received another letter from court this morning advising that Abbey have already acknowledged the claim and are defending.

 

From reading other threads I thought they would drag this out, I'm a bit concerned that they've acknowledged straight away. Can anyone calm my nerves a little or am I right to be worried?

[sam78]

Thanks for that. I'll wait and see what the defence says when (or if) it arrives and take it from there. Looks like my court are pretty good with turnarounds so hopefully this will get solved sooner rather than later.

[Truth42]

Hi Sam

 

Recived my Notice Of Transfer of Proceedings the other day. Can you tell me if I am supposed to send the court bundle back with this form?

 

Thanks

 

Truth42

[sam78]

Hi Truth - Not sure what it is to be honest, sorry.

[sam78]

I very politely sent the abbey a letter last week to advise them that I had begun court proceedings and this morning I've received two letters from them to say they are looking into my complaint..4 weeks to reply..etc.

 

Marc Winder - Head of Complaints digitally signed the letter so I have sent a nie little email advising them that I don't have a complaint and that I require a refund of charges. I've also given them the court reference number and asked that they merge all the files they have regarding this.

 

Let's see what happens next.

[sam78]

Just another quick update. I've had a response to my email but only to advise me that it will be passed on to the relevant department.

 

I did receive two letters yesterday in the post to advise me that they are still looking into my complaint and that its taking longer than usual etc etc. This was sent the day after the complaint letters that I mentioned in my last post. What a waste of paper and ink.

 

3 weeks left to get their defence in.

 

When the abbey approach me for settlement I am thinking about asking them to consider the hours spent on the case - I know some other people have successfuly done this, but I was thinking of quoting them some kind of time span i.e. half an hour per side of A4 for each sheet in my court bundle. Does anyone have any comments on this?

[sam78]

I've been doing some research into requesting preparation costs and have got the relevant information which I am going to reconstruct. Is half an hour per side of A4 reasonable bearing in mind printing, photocopying, reading, researching, understanding etc? Please can I have others thoughts on this.

[sam78]

Anyone?

[121o121]

Hi Sam

 

My defence from Abbey is due to be submitted withing the next 14 days.

 

I am thinking of writing to them asking them to settle. Including already settled Abbey / Cahoot litigations and saying I will be seeking costs for the time involved in preparing my court bundle.

 

Unsure what a genuine pre-estimate of my time is at present. Needs to be reasonable though.