Glenfish v Abbey

[Glenfish]

Would like to say Hi, Thanks to those involved in running this Forum, Like many others I watched the BBC last night and was quite disgusted at the blatant theft of my money!

I have just checked back the last 6 mths on one of my Abbey accounts , resuilt is that my Charges were £170! I havnt even started yet but I would expect my total figure to be in the region of 5K.

An interesting point is that my charges are applied on the 14th of each month, I wonder if this is the standard date, is it a coincidence as that is the date when my account is at its lowest as my wages go in on the 15th? So the cahrges send my over my limit?

So for now I am about to start the reccomended reading, Here goes!

[Deller]

Hi and welcome to the site,

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!!

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[mochamoo]

An interesting point is that my charges are applied on the 14th of each month, I wonder if this is the standard date, is it a coincidence as that is the date when my account is at its lowest as my wages go in on the 15th? So the cahrges send my over my limit?

 

Hi Glenfish!

 

Abbey charge me on the 17th of every month!

 

Start a thread in Abbey section! Good luck

[Glenfish]

The 17th? Hmmm, thats interesting, I will start a thread , thanks for info

[Guest ian cognito]

Have you asked the bank to change your charging date, I had no problem getting mine moved to after pay day.

[Glenfish]

No I havnt asked for it to be changed. to be honest it never really occurred to me until I started looking into the entire situation since the tv programme. I think that I will sit tight until I have done my reading before approaching the bank about anything.

[Glenfish]

Hi all, Like many others I saw the tv prog on the other night. Have been with Abbey for many years paying Charges so here goes.

[Michael Browne]

Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[Glenfish]

Hi All

Abbey apply my charges on the 14th of each month. It occurred to me that this may have something to do with the fact that my wages go into my account on the 15th, this means I am often at my limit on the 14th and the charges send me over resulting in more charges!!!

 

Q: Is the 14th the standard date for ALL Customers?

Does anyone have similar?

[Guest louis wu]

Straight of the currents T&C's

 

5.3 Interest and charges will normally be credited or debited, as appropriate, to your Account on the same day each month, unless you have requested a change of statement date. We will give you at least 14 days notice of interest and charges for standard account services to be debited.

 

 

My statements run from the 10th of each month, and charges debited on the 2nd.

 

I believe you can request a change of date, and have a feeling thats what I done a few years ago.

 

Louis

[Glenfish]

Thanks, was wondering whether it was shear coincidence being the day before pay day or deliberate planning by the Abbey to make more money???

[MARTIN3030]

3 threads merged...now all your posts here !

[chuggaluggs]

Hiya

Newbie starting procedure today Im sending to Abbey address 2 triton square. Some people seem bothered that the abbey will have a hissy fit and close their account. I couldnt care less as I have found the abbey to be totally rubbish in doing as you request but brilliant at charging you. We also had charges taken from our account the day before wages went in and on the actual day they went in but told the charges were taken from our account at Midnight and wages went in at 3am so we ended up being charged again for going over our OD limit.

[Guest louis wu]

Chuggaluggs.

 

May I suggest you start your own thread, that way you can keep us posted on your claim, and questions you have will follow some kind of continuity.

 

All you do is open the Abbey forum and click 'new thread'

 

best of luck

[barbs26]

u cud ave something there as both myself and my husband get paid at end of month and abbey bank charges get taken 2-3 days earlier on 26th.

[Guest louis wu]

Barbs, just ask them to change the date they take out their charges

[Glenfish]

Including myself, this is 3 people with the same situation, are there any more??? Is this something new that has cropped up or is it typical?? jUST WONDERING wHETHER IT IS THEIR POLICY TO DO THIS?? iF IT IS THEN THAT IS JUST OUTRAGIOUS!

[Guest louis wu]

Glenn, have Abbey ever changed the date they take charges out of your account? I doubt it.

 

Whilst I will never defend a bank, I think you are worrying about something that just happens automatically.

 

If the day the charges come out of your account is not convenient, and lets face it, it is NEVER convenient, then ask them to change it.

 

For Abbey to make it a policy, they would have to study your account for several months, and then decide the exact date when it is most problematic. Lets face it, it aint happening. Statistically, with millions of customers, some will gets charged on the 1st, some on the 2nd, some on the.....you get the picture.

 

They are charging unlawfully, and that is as bad as it gets.

[SickofAbbey]

Hi I have 3 accounts with the abbey, 2 personal and one joint and the bank charges all come out at different times. On one account they come out on the 3rd another on the 9th and the other one the 30th!

 

One other thing my card covers all accounts but it is mainly for my main current account. Abbey cancelled my card. I didn't know until I went to use it and when I rang abbey was told that as I was almost at my overdraft limit and there were charges coming out of my main account in a few days time abbey wouldn't let me use my debit/cash card and I had to go without money for 2 weeks as the charges were in the region of some £200. (I get tax credits every monday and they were eaten up by the bank charges!)

[Glenfish]

Louis, I get ur point but it just seems bit fishy! Of all the days the charges could be taken its the day EVERY month that I have least in my account.

 

I don;t expect/want to take this further and I will get the date changed, I was just wondering if this is common practice and would like to know.

[Glenfish]

OK Guys, I am just about to begin my correspondence and have a couple of Q's.

1. Ref; my Subject Acess Request form, Shall I send this to the address at Triton Sq, London (as per forum) or the address on Chq book @ Prescott Street, London.

2. Shall I send a copy to Customer Satisfaction Centre.

 

Do these letters need proof of posting/delivery?

 

On a slightly different note, Over the years I have regularly changed Credit Cards but now I have no account details for them, Can I send the above forms to various Credit Card Companies without account numbers?

 

Many Thanks

[Guest louis wu]

Hi Glen

 

1. triton square

2. no need

3. recorded delivery (essential)

 

credit cards.

 

Send letters to them explaining what you want, explain that you will satisfy any identity issues, but if you havn't moved house, your address should be enough.

 

get the account numbers and away you go

 

best of luck as always

 

Louis

[Glenfish]

Need some advice now please, I have 2 current accounts with Abbey, I have receicved statements for last 6 yrs for one account but have only received 50% of statements for the other. So shall I continue with my claim for the first account, OR Contact ICO to complain?

I have tried to speak with Abbey but just receive polite response saying blah, blah, blah, although I believe it is their system cocking up rather than deliberate delaying etc

[Guest louis wu]

Glen, do they have any time left on their 40 days, if so, then you'll have to wait.

 

If it's expired, there's a a non-compliance letter in the library, have a look and send if it you think it's a ppropriate.

 

Louis

[Glenfish]

Thanks Louis, no their time is well ellapsed but as I have been speaking with them they keep re-ordering the statements but the statements don't arrive, so I can't wait forever so will send the letter,

Thanks