Beckz -V- Abbey

[beckz27]

I have sent the letter to abbey requesting the charges be paid back, the 14 days are nearly up now and was wondering if someone could advise as to my next stage. Do i file at the court before sending the next letter (which states the courts name in it) or do i send the letter and wait for a response before filing at court?

 

Meant to say, I am from Scotland and will be filling in an English court, i am hoping to file at Carlise court can i do this on line at the moneyclaim online?

[jcaps]

pretty sure you need an english address for mcol, also, was the first letter you sent the prelim? if so you need to give them another 14 days (letter before action) to satisfy fsa guidlines for time to investigate a complaint before taking court action. good luck!

[beckz27]

The first letter i wrote was this;

 

I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to Abbey National of going into unauthorised overdraft.

 

The charges total £1959.00, plus as I believe I have been unlawfully deprived of the money I have calculated £222.39interest at the statutory rate, the amount the court will award.

 

I therefore ask that you repay me the full amount of £2181.39. I have attached a full schedule of the charges and interest with this document.

I look forward for a full response to this letter within 14 days.

I know about the English address (but thanks for the info) i have got information about getting one of another thread on this site.

Any more help would be great though

[Robinhood696]

HI Beckz

 

Can you let me know how you worked out your interest at the statutory rate?

 

Many thanks

 

R.

[beckz27]

I meant to mention the fact that when i started this i got my letter templates of another sight before i found this one, I think i may have confused myself

[beckz27]

Click on CONSUMER ACTION GROUP at the top of the page, scroll down to bank templates library, then no.6 is the interest calculator. I chose the easy one does it all for you and you don't need to be a genius

[jcaps]

robin, use vampiress spreadsheet to work out the interest part, your not suppose to add this before court action but it can't hurt to let them know your going to add it at some point.

 

beckz, you should now send the 'letter before action' template from the library

[beckz27]

Cheers very much

[beckz27]

Does the 14 days run from the date on your letter or the date they recieve it? I sent my letter recorded it was dated the 2nd March but they did not recive it till 8th March, don't want to be pushy nor make a mistake.

[jcaps]

If you have given them 28 days in total, that is deemed to be a sufficient amount of time for them to investigate your complaint. All my timetables go on the assumption that the letter was recieved the next day.

[beckz27]

14 days were up on saturday so sent my LBA recorded delivery, although i did recieve a reply stating they were looking into my complaint and would wright to me within 14 days. Sticking to my time scale though so the clock is ticking (10 days to go)

[mariejader]

Sticking to my time scale though so the clock is ticking

 

That's the only way to do it, Abbey will do all they can to delay you

 

Keep up the good work

[beckz27]

I have already put my claim into abbey, but can i add on more charges as i have just recieved another load???

[jcaps]

I would ring them and firmly but politely ask them to reverse their latest charges. They will try and tell you they can't, they may say they have reversed charges for you before and therefore can't reverse any more, or they may just say they won't. However if you are firm, ask to speak to a supervisor, explain to them the fact that you are about to bring court action for previous charges and it would be in their best interest to cancel the charges. It has worked for me the past 2 months!!

[beckz27]

After some advice please.

Just recieved a letter from Abbey this morning saying;

 

'We've noticed that the way you run your account has changed recently and wondered if we can help?

We're happy to discuss any concerns you have, or run through your options if you've had a change in circumstances. Just give us a call on the above phone number or visit your local branch.

 

If things stay the same, we may have to withdraw your overdraft. Of course, if this is necessary, we'll let you know in advance.'

 

 

The letter is from Cathy Robertson, Head of customer service banking.

 

Has anyone else had anything like this?? I am a week away from filling at court. Not sure what this means.

[Lula]

Beckz, it means absolutely Jack, ring them if you want and explain what you are doing and see what they say - it has to be worth it for the amusement factor but that is all it will be good for

[beckz27]

Filling in my MCOL and on the particulars of claim got a rough idea but could do with some help please, if any one wouldn't mind, i'm not very good at writing things when i am limited to the amount of words aloud to use lol

[beckz27]

Meant to say i am a bit early but just getting things ready so i can just hit the send button when their time is up lol they only have 11 days to go.

[lane]

go to the templates library,

[beckz27]

I have sent the prelim and the LBA, also have my English address just need help filling in the MCOL form

[hellhasnofury]

I have sent the prelim and the LBA, also have my English address just need help filling in the MCOL form

 

 

Try this its in the bank template libary: 5. Money Claim On-Line (MCOL) Particulars of Claim this is what you need to put on your MCOL, it does not give the full particualrs of claim so after you have submitted the MCOL you then need to send the courts the full particulars of claim. You will find it in the bank templeplate libary, I think it comes under the N1 full particulars of claim just amended it to your details print it and send it to the court anda copy to the shabby's solicitors

 

Good luck

[mariejader]

'We've noticed that the way you run your account has changed recently and wondered if we can help?

We're happy to discuss any concerns you have, or run through your options if you've had a change in circumstances. Just give us a call on the above phone number or visit your local branch.

 

Just read the same thing here:)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=70740&goto=newpost

[jcaps]

Here you go beckz, it fits almost to the letter.

[beckz27]

Cheers very much, just read it although it didn't make much sense to me. I read on here that you could claim back the cost to me for doing this, i have been posting all my letters via next day recorded delivery at £4.10 a time can i get this back?

[beckz27]

Need some help please, Due to file my MCOL on Saturday, but not sure what to do after that, i know i have to send the list of charges to the judge but not sure were to send to or what else needs sent with it. Also how do i claim back the expenses to myself e.g. the cost of posting the letters etc.