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Abbey offering half!


stridey
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PLEASE HELP!!!!

 

im a confused abbey customer who just got 6 years worth of transactions through from abbey after i demanded the microfiche info. Previous to my receipt of these transactions i received two years worth of listed charges (not statements) printed from abbey which shows £2000 worth of charges in two years. I cannot spot any of these charges in the new microfiche statements which should correspond with the original list of charges they gave me. this is so confusing and i dont know what to do next.

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Stridey

 

Are you saying you have statements denoting dates of actual charges taken from your account and that these are NOT displayed in the requested Microfiche documents?

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Stridey,

The charges on your statements should be exactly the same as on your micrifiche file, ie; if on your statement it says 1st July 2002 Unpaid Direct Debit Charge £30 it should say exactly the same on your microfiche file for the same date.

Please let us know if this is not the fact, ie Abbey would be `doctoring` the microfiche files, which some fealt was happening, but to date there was no evidence to prove this fact...

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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the first paperwork they gave me was in the form of two years worth of listed charges and dates incurred. they weren't screen printed or copies of past statements but 4 pages of listed charges that were taken from my account. i never received any information then for 2 months so i wrote again stating they had not produced my statements or the rest of the charges. they then sent me within a week the complete 6 years worth of statements which dont feature any of the charges from the list they initially gave me. I looks like they are taking out information that should be there. I can guess that over time i have accumilated thousands of pounds worth of charges as i have been punished by abbey for being a poor student for years now. this complete set of info they last sent me though states otherwise. i'm seriuosly worried. how do i catch them out?

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Help me!!!!

 

I have been utterly confused by the manner in which Abbey have decided to send me my transaction info. They first sent me two years worth of charges listed rather than in statement form so I kept hold of these. I had to request the rest of the info and give them 7days to comply which they did. only this time they sent printed statements of the last six years which I suppose these came from microfiche. these featured hardly any charges and the charges from the two years they had sent me previously showed up nowhere!!!! whats going on I wonder!!!!

How shall i catch them out? Or did they send me the wrong list of charges??? it does not state my account no after all???

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HI Stridey

Welcome to the site

I know somewhere there is A lot of discussion regarding Microfiche with Abbey, i would put microfiche in the search bar at the top of this page and Read some threads.

 

try this thread also http://www.consumeractiongroup.co.uk/forum/abbey-bank/18106-abbey-rach-no-more.html?highlight=Microfishe#post139991

 

If you open your own thread under Abbey ( Stridey v's Abbey) you can get some excellent feed back form other abbey users.

 

Click the link " list of banks" at the base of this post it will take you through to the list scroll up or down to find Abbey.

 

BL:)

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  • 4 weeks later...

Hi there!

just read about your experiences with abbey. Note sure qiute how to use these forums so any advice on posting comments and questions would be great. Just about to send my prelim letter for repayment but not sure how to find out if thay have put a default notice against my name in regards to credit rating etc. shall i call and ask them? Also i wasn't sure how to estimate charges for missing dates and info. do i work out an average? Sorry if ive posted this wrong!!!

 

any comments would be appreciated guys

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Hi again!

 

I had a student account so haven't been charged interest (only occasionally when over overdraft) so can i leave the interest part out? It might be really difficult to work out the interest. shall i ask back the exact amount they charged me which shows on my statement underneath the charge?

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hi karnevil!

 

Thanx for your help! Im the one who has not had missing statements but missing sections of info from statements with mysterious similarity in dates, almost as if they are cutting out info from the 1st -22nd of the month. It happens seven times during the whole collection of statements so I wrote a letter asking them to explain why they thought this was occuring of which i hav had no reply so i thought i would start the prelim letter without the explanation and the missing dates. When shall i address this strange issue ref the dates? in court???

 

in the prelim i suppose i shall write that i am still awaitng an explanation if the missing dates but tell them what i have already worked out with no interest as yet???? is this right?

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Yep! my charges are between the 1st and the 15th . i have most of them its just that its a bit weird some months show no transactions and there is re-occurent info missing from the microfiche always between 1st and 22nd of the month in each 7 instances. very odd. did't know it was possible to edit microfiche but this is what it looks like. anyway they are aware ive noticed this and given them 10days to explain and provide the missing info and haven't responded so i will send the prelim now instead of messing around waiting for more information. or do you thnk i should write another letter saying i reckon they are editing my microfiche beforre the prelim?

 

x

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Abbeys 10 days to explain what they thought might be going on and to provide the missing dates has expired so i dont want to go firing off another deadline incase they dont take me seriously.

 

I off until 2morrow. Gonna let my bro hav his computer back! Thanx for the help. Not so daunting now! x

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I dont understand! the last letter i wrote was asking them to explain the gaps in the microfiche. If they wont admit to doctoring my microfiche and i havent got any proof of transactions during the date sin question im gonna have to take them to court with the amount the which actually does show on the statements. Do I now send the prelim because in my last letter i did mention that i wanted a response in ten days otherwise i would take legal action.

 

1...ive sent request for microfiche

2...received microfiche

3...wrote letter to explain gaps in microfiche given ten days or legal proceedings in the same letter. NO RESPONSE

 

about to send prelim??? is this ok?

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  • 2 months later...

need some advice on which letter to write when Abbey have offered me around half of the bank charges. They said in this letter that this will show up on my account soon. They said they would not be able to remove any default notices against my name and they also said that the charges were legal and fair!!! I would like to claim for all of the charges. What should I do now? start to file an online claim? would be grateful if anyone can help as Abbey are gradually sucking my wll to live!:confused:

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Hang in there! It's a long slow slog with Abbey!

 

Just write back thanking them for their part payment and explaining that you will continue your court action to recover the full amounts and to have the default notices removed.

 

It's also worth letting them know that you now consider the account to be in dispute so that they cannot enter any more default notices.

 

I think there are some templates in the library....or a trawl through the threads should show up something similar.

Abbey:

 

S.A.R - (Subject Access Request) - 14/10/06

Fiche Rec'd: 16/11/06

Prelim Appr: 4/12/06

LBA: 4/1/07

MCOL: 26/1/07

 

 

A&L

S.A.R - (Subject Access Request) - 14/10/06

Stmt Rec'd: 22/11/06

Holding action pending Abbey outcome

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thanks for replies guys!

 

The last letter was the LBA. I think I will do what you say and say thanks and recover the rest in court. The default notice is the most important thing to me anyway as I am applying for a mortgage soon and this will undoubtedly hold me back. Shall i file the claim now or wait for their next response to my next letter?

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I presume the date they had to respond is up now. In which case file the claim straight away. It's your agenda not theirs!

Abbey:

 

S.A.R - (Subject Access Request) - 14/10/06

Fiche Rec'd: 16/11/06

Prelim Appr: 4/12/06

LBA: 4/1/07

MCOL: 26/1/07

 

 

A&L

S.A.R - (Subject Access Request) - 14/10/06

Stmt Rec'd: 22/11/06

Holding action pending Abbey outcome

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