Tina V Abbey *** WON ***

[jonni2bad]

[your address]

 

 

 

 

[bank name & address]

 

 

 

[date]

 

 

 

 

 

 

 

RIGHT OF APPROPRIATION

 

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

I am writing to inform you that I am due to have a Tax Credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;

 

Rent £xx

Utilities bills £xx

Housekeeping money £xx

 

I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my account do not interfere with this withdrawal.

 

Yours faithfully,

 

 

[signature]

 

 

[print name]

[Tina&Gaz]

put this letter into them yesterday morning, and explained it to them too

 

Thank you Jonni!!!

[Tina&Gaz]

got my notice of issue today, it was deemed to be served on the 25th june, Abbey have until the 10th july to defend, I don't fill in that ''request for judgement'' yet do I?

 

and thanks Jonni, Abbey haven't took a penny out of my benefits

[joneshousehold]

Hey that's good news about the benefits. Really pleased for you and well done to Jonni. We have some real stars in here

[Quisitrix]

That news about the benefits is good. I had no money at all last week cause it all went to pay off bank charges so it's good to know if that happens again I've got something I can do.

 

And, Abbey can't withdraw your overdraft without giving you written warning. Nationwide did that to my other half and he complained to the Banking Ombudsman and it got sorted out.

[jonni2bad]

That's great news. Be aware though, that the letter covers one payment only and you would have to submit a fresh letter for each payment being received if you are still in a similar position.....

[Tina&Gaz]

there's no chance of them getting thier hand's on my other benefit's as I'm switching them all over to my new account, and Abbey can go *bleep*

 

Thanks again!

[Jane Austen]

I don't fill in that ''request for judgement'' yet do I?

 

 

You won't be able to until midnight on the 14th day.

 

I hope yours is smoother than mine!

[Tina&Gaz]

you spoke to soon nnelson, abbey have filed a defence I know that gives them 28 days now from the 'deemed' date, but what happens then? do I need to do something?

[lipscombe]

Hi Tina

 

I must be just a bit ahead of you. My claim was deemed as filed on 12th June. Got notice that Acknowledgment had been filed on 20th June. Abbey had til 10th July. Received a letter on Friday 30th June from solicitors Piper Rudnick asking for breakdown of claim & how interest figure was calculated!! Had put in my claim exactly how it was made up - they probably cannot read properly!!!

 

Awaiting answer from someone as to if I should send copy of my spreadsheet & bank statement to the solicitors & the court. Think this is what I should do but like to know I am doing it right.

 

Good luck, glad we are near the end of it now x x

[Tina&Gaz]

thanks for that Lipscombe, I'm sorry I don't have an answer for you, and I sure hope that we are near the end and I'm hoping that Abbey refund my money in full BEFORE court so I don't have to go, I will be following your thread with interest,

 

good luck!!

[Tina&Gaz]

recieved my first letter from DLA Piper Rudnick, stating that I haven't provided them with details of how my charges and interest was calculated,

 

I know others have had this letter too, I did send them a printout of the charges and interest to them and to the court, do I have to send it again?

 

if I do does anyone have an e-mail address for DLA to send it to as I don't have a printer and the local library is closed today, thanks!

[Tina&Gaz]

Thanks for that Karnevil

 

hmmm just been looking for the name of the solicitor on my letter and there is none! it just says:

 

yours faithfully

 

DLA Piper UK LLP (writen)

 

also at the top of the letter (just under my address) it's got this in bold: BY POST ONLY

 

looks like a trip to the library then tomorrow

[Tina&Gaz]

sent thank you!

[Tina&Gaz]

since abbey have filed a defence and have only 11 days left! I haven't heard nothing at all??? not even a 50% offer or a AQ, is this normal?

 

do I need to do anything at this stage?

 

maybe I'm going to be the ONE they do take to court

[jonni2bad]

not even a 50% offer or a AQ, is this normal?

With Abbey, yes...

 

do I need to do anything at this stage?

Nope

 

maybe I'm going to be the ONE they do take to court

We all go through that thought process, but we all end up being paid.

[Tina&Gaz]

Thank you!

[Tina&Gaz]

The Clock is ticking and I don't have a clue what the next step is???

 

have not heard nothing from Abbey or the courts, (no AQ, no 50% offer letter) they have until the 23rd July

 

been reading other threads and all have had AQ or a 50% offer at this stage, I don't understand what's going on, or what I should do, sorry

[Tina&Gaz]

A bit confused!! I'd say a lot confused!! lmao!

 

Thanks for that Karnevil, it's cleared my confusion loads

 

more waiting then, guess I can do that

[rayo1973]

Hi

 

I know what you mean, i kept trying to go for the default option and couldn;t figure out why it wouldn't let me.

 

Did you get a covering letter with the defence? It was in this they offered me the 50% (which i am so glad i declined).

 

I am just about to fax my acceptance, for 100%. But thing to look out for is that they wanted to pay the money into my abbey account - even though it was shut for 3 months??? Also, i think that if people request cheques, then there is less chance of the abbey trying to mess them around?

 

Rayo1973

[Tina&Gaz]

just a court letter (notice of issue) then a letter from DLA saying Acknowledgement with intent to defend, that's it! as karnevil has said though, I'll do the judgement thingy if I haven't heard off them by 23rd which is a Sunday!

 

should I post the notice of issue back to the courts on Friday before, or Monday after the Sunday?

[rayo1973]

The way to do it is to apply for the judgement by default on sunday with moneyclaim, and then post the notice on monday, but put sundays date on it. That way both show the same date on record.

[Tina&Gaz]

I can't use moneyclaim, I'm on benefits, so I guess it will be the Monday then, I'm just going to hand it over at the court myself, and then wait again lol.

 

my claim seems to be taking forever!!

[rayo1973]

Don't lose heart! If anything, you should draw strength from cases like mine. I was just dreading it going on and on, then i checked my email today and nearly fell off my chair when they agreed 100%. It will happen when you are least expecting it. They seem to have a a quote for holding back and a quota for offering 50%, but none for settling straight away. But we all get there in the end

 

Stick with it, and it will happen.

 

rayo1973

[Tina&Gaz]

Thanks Rayo, chin up then, and battle onwards!

 

and congratz again