Miss_squeezy vs Abbey

[miss_squeezy77]

Thanks Icy, great advice - will do so today!

[petcat]

miss S- hi just to let you know that if they have refered any debt to the DCA, then the DCA cannot chase you if your account is in dispute.There are laws governing this and they have to adhere to them.Best wishes.

[miss_squeezy77]

thanks petcat - I am indeed aware of this, the slippery little so and sos will try all sorts, won't they!?!

[petcat]

They do, im still amazed that they can defend when benefits have been taken as well.And offer just some of them back when its NOT THEIR MONEY!!! xsorry.

[miss_squeezy77]

Hi Folks - wonder if anyone can help please? My claim with Abbey stalled back in 2007 and I haven't pursued it since because of the 'stays' in place on claims. I've now had a phone call out of the blue from Link Financial who say that Abbey have sold them my debt and I now owe them instead. So, my questions are:

1) Does the Abbey account still count as being in dispute? I didn't get to the point of taking them to court because I couldn't get the court fee together.

2) Is it worth re-igniting my claim with Abbey? I've been out of the loop of the back charges argument, but from what I gather it's not really progressed much?

I really want to get Link off my back - the debt with Abbey is completely made up of charges and I don't want to give them anything when the charges were unfair in the first place. I've recently re-looked at the charges spreadsheet I had and they actually owe me about £700 more than they say I owe them!

Any advice much appreciated

[ims21]

Hi

 

If this is a current account? (you mention overdraft in revious posts) then sadly the door is closed on bank charges claims now following the Supreme Court ruling.

 

UNLESS you submit a claim under the hardship rules.

 

You had a phone call from Link....nothing from them in writing yet?

 

Regards

 

ims

[miss_squeezy77]

Hi ims - thank you for your reply! Yes, it was a bank account. Link called me saying that they were a courier company trying to deliver a parcel to me and wanted to check they had the right postcode. I refused to give them any information and they passed me through to another person who said they were contacting me about an Abbey account. I said I would only deal with them in writing so they've sent me a letter confirming that the debt has been assigned to them. Sneaky so and so's!!

[ims21]

Hi

 

As this was originally concerning bank charges and now appears to be more of a debt collection issue, would you like your thread moved to the debt collection forum where more appropriate help would be available?

 

Regards

 

ims

[miss_squeezy77]

Yes, please - thanks for your help!

[maroondevo52]

Thread moved

[ims21]

Thread moved

 

Blimey...that was quick!

 

Thanks md

[miss_squeezy77]

Hi Folks - wonder if anyone can help please? My claim with Abbey stalled back in 2007 and I haven't pursued it since because of the 'stays' in place on claims. I've now had a phone call out of the blue from Link Financial who say that Abbey have sold them my debt and I now owe them instead. So, my questions are:

1) Does the Abbey account still count as being in dispute? I didn't get to the point of taking them to court because I couldn't get the court fee together.

2) Is it worth re-igniting my claim with Abbey? I've been out of the loop of the back charges argument, but from what I gather it's not really progressed much?

I really want to get Link off my back - the debt with Abbey is completely made up of charges and I don't want to give them anything when the charges were unfair in the first place. I've recently re-looked at the charges spreadsheet I had and they actually owe me about £700 more than they say I owe them!

Any advice much appreciated

 

Thanks for moving the thread! I'm not sure if it's worth pursuing the bank charges with the OFT - I'll need to put together a good letter explaining how I meet their new hardship guidelines.

 

Any ideas how I can keep Link off my back? I take it because it's a bank overdraft debt that a CCA isn't appropriate....

[king100]

Yes, it was a bank account. Link called me saying that they were a courier company trying to deliver a parcel to me and wanted to check they had the right postcode.

 

Did you record that conversation?

[miss_squeezy77]

Unfortunately not!! How I wish I had...