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    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
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Couple of quick questions


Elky
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I'm thinking about starting a claim against Abbey but I have an overdraft of £1750 that I am well in to.

 

If I start a claim against them now, will they take this overdraft away from me?

 

I only ask because I dont want to start a claim then find myself £1700 down if they take my overdraft away.

 

Am I better off opening a new account somewhere and having all wages, direct debits etc moved to the new account?

 

Thanks in advance

 

Elky

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Sam

 

im not sure when you say they cant take the overdraft away, i think youll find accoridng to the T&C they can do just that.

 

However, what the claimant should do is when they initiate their claim they should formally write to the bank telling them that the account is in dispute and under the banking code sec 13.6 they should not carry out enforcement action until the dispute is resolved.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I was in a similar position re overdrafts, but then the Abbey pre-empted my decision by taking away my o/d limit. I've just opened a parachute a/c and have negotiated a repayment schedule with the Abbey over 2 years

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Ok. I've just opened an account elsewhere. Is it advisable to move my salary and all direct debit outgoings etc over to the new account? Will I need to make sure I pay the overdraft interest in to my Abbey account each month to avoid the account going over this authorised overdraft?

 

Cheers again

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Sam

 

im not sure when you say they cant take the overdraft away, i think youll find accoridng to the T&C they can do just that.

 

However, what the claimant should do is when they initiate their claim they should formally write to the bank telling them that the account is in dispute and under the banking code sec 13.6 they should not carry out enforcement action until the dispute is resolved.

 

JMHO

 

Glenn

 

Hi Glenn

 

Would this mean no interest would be charged on my overdraft until the dispute is resolved?

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Elky

 

If you pay something into the abbey account monthly then you can argue your repaying them and being reasonable, what they decide to do is a matter for them, but by repaying them you are in effect making it more difficult in principle to do anything drastic i.e. get a ccj for example.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Glenn

 

Would this mean no interest would be charged on my overdraft until the dispute is resolved?

 

I doubt it, the dispute is about the charges not the overdraft per se.

 

So if you were to win the dispute then they would have to remove any associated interest too.

 

In the event you lost, unlikley imho, then the interest would stand.

 

When i said enforcement action they are not supposed to register defaults or send you to the debt collectors or anything, i think it is therefore important to send them a specific letter disputing the account and not leaving them to infer it form your other correspondence.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Cheers Glenn, I get what you mean now. Do you think I will need to move everything to a new account before I start this process of regaining my charges? I'd imagine this is the sensible thing to do?

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Hi Elky :)

IMHO it is best to have another account and move all your DD's etc (at least you won't land up in the s**t if they do take the overdraft away, which they can do under the T & C as long as they give you a reasonable time (A time which will suit them better than it does us!).They took mine away when I complained about charges etc.,

They are not bothered about a complaint to The Banking Code Board as this is not worth the paper it's written on when you need to use it, being voluntary. They have put a default on my account (which I shall have removed as part of my claim) and my formal complaint to the BCB resulted in a reply which says that they can do nothing as the code is voluntary!!!

Grrr! Grrr! Grrr!!

SG:D

:rolleyes:
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How long did it take until they put a default on your account?

 

I've opened a NatWest account and will move everything over to that but it means I'll be £1500 overdrawn with Abbey with no money going in. I'm going to pay £50 in to this account each month - surely they can't issue a default if I do this and also write to say my account in in dispute?

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Elky - They put a default onto my account on Monday just gone. This was despite their 'Man from Abbey' and me being in the middle of talks regarding my claim etc etc.

However, they cannot put a default onto your account as you are still within the agreed overdraft. The problems come if they take the overdraft facility away from you (which they did with me when I started to take action against them) I am not concerned as their actions are unlawful and as part of my claim stipulates that any default be removed they will have to see me in court if they do not do this.

I would say, however that this process has taken many months ie- it does not happen generally speaking the minute you start to take action. I was also not willing to pay them a penny back regardless of what they did but I can appreciate that not everyone is able to do that.

If you are nervous about this (some of the letters they send can be quite intimidating until you realize that it really is a load of old Bull and the law really is on your side - the more you find out the more encouraged you will become) you do have the option of, as some folk have done, paying off the overdraft prior to taking action but not everyone can afford to do that - I certainly couldn't and you would be paying interest on it whilst you did so.

This is only my opinion and what you do is down to you but feel free to lean on me if you need to - I will help (and there are many out here who will also do so). I may not always answer right away but I will listen out for you. :)

Just a quick edit - just realised that you may already be aware of all this as your join date was a while back so sorry if I'm saying stuff that you already know - just wanted to lend support !

Kia - you should take action against them x

SG :D

:rolleyes:
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yes i was just thinking that myself that bit of the case id pushed to the back of my mind but it has to be done as we still have that on our account and its not on taxxkia

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  • 2 months later...

Hi

 

Its been a while since I was last on here and as of yet, I haven't taken any action - until now!

 

I went £4 over my agreed overdraft last month because of a direct debit. I was charged £20 + £30 for this. I wrote to them straight away (13th march) asking for them to refund the charges as my account has been kept in good order over the last couple of years. I got a response 2 weeks later saying they are investigating it. I sent them another letter on 28th March because they were now charging me another £115 (all due to the original £50). I signed the letter and enclosed the original letter I sent, stating I had still had no response.

 

I get a letter back yesterday telling me that because the copy of the original letter hadnt been signed, they couldnt help. Thing is, it was just a copy - the original sent on 13th March was signed!

 

I rang them this morning (25 mins to get through!) and asked if they could deal with my problem over the phone. The guy told me another £50 was due to come out next month (all rolling on from the original charges) so in total, they are investigating £215 worth of charges but it could take up to 8 weeks. I then said that I may as well write to them requesting my last 6 years worth of statements so they could investigate them too!

 

To my surprise, he told me he could do this over the phone. He asked if it was ok to take £10 from my account then said the last years worth of statements would take 1 week and the rest would take a little longer but its all in hand.

 

I'm quite surprised I dont have to write to them requesting this. Is this normal or should I still write to them?

 

Any help is appreciated!

 

Elky

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Hello Elky

 

Seems to good to be true, a little too efficient, but if the've taken the tenner off you, just sit and wait for your statements to come through!!!

 

Keep your thread updated as to when you get them through or whether the shABBEY try it on with their 'all your info is stored on microfiche' excuse, and if you need any more help, just ask!

 

Phil:)

This is only my personal, honest opinion!

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Well he did say that the rest of them are stored away and they would have to retrieve them. He said expect them shortly after the 1st years worth of statements. He said I should expect the 1st lot within a week. If they dont come through then I'll send the SAR.

 

Will you you updated for sure

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  • 3 weeks later...

Hi

 

I just spoke to Abbey on the phone again and asked them what was happening. I've asked them to refund the last 3 months worth of charges because they are screwing me up financially. They said they cant do this but started action on my account on 11th April regarding the last 6 years worth of charges.

 

Basically, the way she made it sound is that they can't refund just the last few months of charges because they are looking at the last 6 years worth of charges instead. They said this process takes 8 weeks (from 11th April). She said I should receive an offer from them within this time

 

Is this normal?

 

Cheers

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Of course they could refund these latest charges immediately - they're just making things difficult for you & trying to pressurise you.......but at least you know they will have to refund the whole lot eventually

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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They won't offer you the full amount they owe you (don't forget to include the interest they've charged on all penalty fees over last 6 years too)............

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Elky! To be honest I wouldn't even call them as that also is another expense for you which I doubt you are claiming;) .I started my claim 15 days ago and I am surprised at the turn around in comparison to others. This is my advice to you. Request your bank charges/ summary of charges enforced on the account for the past six years vis a S.A.R. Please do not rush into this, do not call them anymore. There will be enough help and advice here to support your plight. Telephone conversations to deal with your situation is not strong enough " One can always deny that you spoke to anyone about anything", however when you have the letter as proof your case will stand up better in court (if needs be). Wish you all the best and I look at your plight as it progresses.

 

Drew

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Cheers guys. Will keep you posted. Received the last years worth of statements Friday and charges totalled about £400. Looking forward to receiving the previous 5 years so I can see how much they really owe me!

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I am still waiting for previous statements but I noticed today that they have refunded £80 worth of charges to my account. I haven't even started a claim against them yet though so just thought this was weird.

 

Anyone else had this?

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