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Hi,

I've sent my prelim letter to abbey and recieved my 'we need to investigate - wait 4 weeks' letter. I will wait for the 14 days to be up before sending my lba.

 

My claim is just over £600.

 

I hope to keep you informed of my progress and any advise from anyone else v abbey in Scotland would be much appreciated.

 

Thanks

pcb

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Hi

 

There are lots of other people claiming from Abbey in Scotland.

 

Here is one:

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/13198-andy-t-abbey-scotland.html?highlight=abbey+scotland

  • Haha 1

for FAQs & Step By Step

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for Templates Library

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for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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  • 3 weeks later...

Well I sent my Letter Before Action (LBA), and 2 weeks later I have received their reply (below). I'm a bit nervous now.

 

I have now printed off form 1 & 1b Scotia kindly stuck in the forum http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html and I'll visit the local sheriff court clerk tomorrow and get some more advice on how and what to fill in (just to make sure I don't make any mistakes).

 

Reply to my LBA

 

Thank you for your letter about the charges on your bank account.

I have now carried out a full investigation on your behalf.

 

I'm sorry you are unhappy with the charges and I understand you would like these refunded.

 

I can confirm the charges were applied correctly, as you had insufficient available funds at the time.

 

As we have previously refunded charges as a gesture of goodwill, I am unable to agree to refund any further.

 

I appreciate your feelings on this matter but we are satisfied that the charges do not contravene the Unfair Terms in Consumer Contracts Regulations 1999.

 

We also comply with the Office of Fair Trading, in dealing fairly and openly with our customers.

 

When opening your account you were provided With information detailing the terms and conditions.

 

We have also sent you regular updates and Tariff of Charges, which detail the amounts of our charges.

 

I have enclosed a further copy for you.

 

To avoid charges in the future, please ensure there is enough money in your account to cover direct debits and other payments made.

 

I would also recommend checking your balance regularly, through an Abbey cash machine, online and through calling our Telephone Banking Centre on 08459 724 724.

 

Please be assured I have carried out a full investigation for you and I hope you feel I have offered a considered and complete response to all of the issues you've raised.

 

I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file.

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Today (Wed 4th/4/07) I visited my local Sheriff's Court with my Form 1 and 1b. The clerk was very nice, gave my forms a once over and I handed over a cheque for £39. Took about 3 minutes. Apparrently they're quite busy and she told me it could be as late as the end of May before the hearing.

 

I'll post more when I hear more.

 

Pete

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  • 2 weeks later...

Today, 19th April '07, my friend checked her account only to find that abbey have paid her the sum claimed for plus the court cost of £39 (made available 26th April '07).

 

Victory! :-D

 

I'm now going to tackle her natwest account too. I'll open a new thread next week.

 

--

Pete

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well done pcb, great news best of luck with the next one!!x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Just like to say well done. I am about to fill in the forms to take capital one to court. What was it like, what court?

 

Did they give you a offer at first as C1 have paid a small amount to my acc but i want to claim the whole thing and am stuck filling in the amounts

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Just like to say well done. I am about to fill in the forms to take capital one to court. What was it like, what court?

 

Did they give you a offer at first as C1 have paid a small amount to my acc but i want to claim the whole thing and am stuck filling in the amounts

 

Thanks lori, j1mgg - I've altered my signature (in red) below to show the steps I took. No, they didn't make any offer. I just got the standard replies from them, filed my forms at Falkirk Sheriff's court and 2 weeks later a cheque from abbey head office was paid in to the account, a whole month before the return date!

 

I'm not sure about your amounts problem. I'm sure if you posted in detail the bit you're stuck on in your thread, someone will have been there already and can advise.

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