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Need a little help


gnasher2000
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Hi

 

Just recieved back from the bank all charges from 2004 til present just need to know what to do now, got a bit confused after reading the note on the excel work out what your owed sheet this is what confused me

 

Do not use until filing claim!!!

 

If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

 

Does this mean i should fill it in or should i just work out what is owed for myself first??

Abbey national - letter sent for charge details 26/04/06

Letter sent asking for charges back

12/05/2006

Letter before action sent

24/05/06

claim to be filed on the 13/06/06

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Before you start proceedings you cannot invoke the County Courts Act - it's this act that allows you to charge 8% APR.

 

If you just ask for your money back and they give it -then no court has ever been involved and therefore the county courts act cannot apply.

 

If they refuse to give your money back and force you down the court route, then you have the choice of adding the 8% APR.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Thanks for your help Dave.......... just working out what they owe me know....with a bit of luck they'll give it back eh!

Abbey national - letter sent for charge details 26/04/06

Letter sent asking for charges back

12/05/2006

Letter before action sent

24/05/06

claim to be filed on the 13/06/06

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Share on other sites

  • 12 years later...

This topic was closed on 10 March 2019.

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 there.

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

Abbey national - letter sent for charge details 26/04/06

Letter sent asking for charges back

12/05/2006

Letter before action sent

24/05/06

claim to be filed on the 13/06/06

Link to post
Share on other sites

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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