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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX 2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Abbey National Graduate Account


heyjude
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Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

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Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

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Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

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Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

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Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

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Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

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You did post it in a thread called Graduate account. It has had some replies.

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You did post it in a thread called Graduate account. It has had some replies.

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Thanks for the replies,

 

As you can see I have learned to use the paragraph return key.

 

In reply to your question Dave, no MY overdraft does not exceed the amount taken in the last six years. In fact I have my statements since 1994!!, and it is only since changing to a student account that I have had an overdraft, and only in the last few months that the limit has been exceeded.

Heyjude

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Overdraft does not EXCEED amount of charges???

 

Confusing cos you then imply that charges are low cos they are only in the last few months!!!

 

Correct me if I am wrong but that is how I read it!

 

Regards

Just another 21 Banks to go......

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I have a graduate agreed overdraft of £16000. I exceeded this accidentaly by a small amount due to a standing order going out earlier than normal. This started a range of charges and penalties totalling

£220-00 in the past five/six months.

 

I dont think I implied that the charges were low. In fact I think the charges are absolute extortion.

 

However, I realise not as high as some peoples on this site who have been overcharged for a number of years.

 

Does this clarify matters. Thanks for your response

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Hi Heyjude,

 

I am in the same position as you.

 

I have an Abbey National students account, and last month I went over my overdraft limit (£1,250) by under £20, therefore occuring the £30 penalties.

 

When my wages were paid in this month they took it all in charges, leaving me once again over my overdaft limit, when i called abbey, I waas told that there is a pending charge of £260 due on the 26th March, which will once again put me over my O/D limit.

 

I am a student working part-time, I feel like there is no way out, like im just working to pay the banks fees......

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Hi Tash, I sympathise there seems to be no way out other than being able to pay in quite a substantial amount.

 

I think Ill take previous advice i.e pay off the overdraft as soon as poss and go for the jugular. I already have another bank account

 

 

 

Merged threads, please keep to the same one.

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  • 13 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Heyjude

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