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Skint single mum vs Abbey


Lana241
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Thanks livelylad :D

 

I can't stop grinning. It couldn't have come at a better time to be honest as i'm taking my children to see , wait for it, Sugarbabes on tuesday night, bought the tickets last year with a bit of spare cash (as mine always goes on them), was a bit down cos i couldn't afford to get them a t-shirt or anything, know they would have just been pleased with going to the concert but it would have been me feeling guilty.

 

But hey, can get them one now and just seeing a smile on their faces when they get something makes my life worth living. I love them to bits and would do anything for them.

 

Wish i could have a stronger drink than tea to celebrate but its too early :-|

 

Never mind, will be on cloud nine all day, it was amazing news and I owe it all to you lot on here.

 

Thanks again though, I really appreciate all your help and I know its only a small amount but will make a donation too cos as they say, every little helps. :)

 

 

But hey, can get them one now and just seeing a smile on their faces when they get something makes my life worth living. I love them to bits and would do anything for them.

 

This is the reason we all help. :D :D :D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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just reading up on a few shABBEY cases and yours has stood out to me chuck. i to have gone back to uni. i too was sh**ing myself but it all seems to have gone really quick for me since i started. shABBEY have got till the 16th to defend fingers crossed after this date i can ask for a judgement!!!! my claim is for just under 3,000 but half will be swallowed but the overdraft (all brought on by the bl***y charges in the first place!!!!! but i'll still be left with around 1,700 so not too bad eh!! good luck with your charges lana x x x x ;)

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just reading up on a few shABBEY cases and yours has stood out to me chuck. i to have gone back to uni. i too was sh**ing myself but it all seems to have gone really quick for me since i started. shABBEY have got till the 16th to defend fingers crossed after this date i can ask for a judgement!!!! my claim is for just under 3,000 but half will be swallowed but the overdraft (all brought on by the bl***y charges in the first place!!!!! but i'll still be left with around 1,700 so not too bad eh!! good luck with your charges lana x x x x ;)

Thanks for that caj, its good to know there are others out there with money problems, i was ashamed of mine a few years ago and kept it all to myself and it was awful but thanks to everyone on here we can finally start turning the tables.

I go back to work on 16th so will be keeping an eye on how you're getting on. Good luck caj xxxxx :D

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi everyone,

 

Still not heard anything from the abbey, suppose it is still a bit early, guess I was just hoping something would happen quick smart like it did with the halifax.

 

Is this normal for them, 14 days of the 40 will be up soon and they still haven't cashed my cheque, guess with it being a bank holiday it might still happen.

 

Then again, work didn't send it recorded delivery so do you think I should send another one with another cheque, if so, any ideas when?

 

Cheers guys ;)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi Lana - they didn't cash my cheque until they'd actually sent the last of the statements I'd requested, which was on day 38 of 40! As far as I can tell from other threads, you need to wait until 40 days are nearly up, then phone them to 'remind' them of the need to comply under DPA. If they fail, then send another letter on day 41 giving then another 7 days to comply, failing which you will make formal complaint to Ombudsman, and commence legal action for non-compliance. From what I have read, they always seem to come up with the goods then! Just another of Abbey's (typical) delaying tactics!

 

Haven't heard of them claiming non-reciept of SAR as letter not 'recorded', but I suppose that wouldn't stop them. I can't see how it would hurt to send a second, 'recorded', letter plus cheque, but if you did they may well claim to have 40 days to reply from reciept of the 2nd letter rather than the 1st, and you may well also get snowed under by 2 copies of everything, and given that they send each statement in its own envelope that could be a heck of a lot of paper!!!!!!!!!

 

Just a second thought - have you tried phoning to see if they have in fact recieved your first SAR?

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Thanks adam,

 

No i haven't tried phoning them, was unsure who to phone, I have a number for pam speed from another thread of 08457 654321, is this the number I should phone or another one?

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Sorry adam, me again, did a bit more research and got the number from karnevil's sticky at the top, class!! loads of info in there and just spoken to sheena small, very lovely lady who said they'd been inundated with requests and were sending them in batches of 150 each day to bradford to be actioned.

 

She also said that if I hadn't received anything within the specified time limit to ring her back personally and she would deal with the request immediately.

 

She also apologised for me not receiving a reply but assured me my request would be dealt with. She also explained the process, 14 months in statement and rest on microfiche, which of course I knew already as an avid reader of these threads now lol :D

 

Got a shock, expected it to be a nasty call but it wasn't and now looking forward to loads of post, wouldn't care, my postie is a lovely bloke too pmsl

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Glad you're sorted Lana. By the way, how did your trip to the show with your kids on your Halifax money go?

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Well believe it or not, they changed their minds and didn't want to go, oldest said she'd grown out of sugarbabes and little one said she couldn't see much when her dad took her to see pussycat dolls so they just asked if they could have new clothes instead, so that's what I did, its been like a fashion parade ever since and they honestly weren't bothered about the concert and to see them smiling again after a rough patch is amazing.

 

I know £230 doesn't sound much but it is to me, means treats for the kids and was a bonus cos have had a terrible rough patch since xmas, just need to wait and see whether my luck changes when I go back to work after hols, can't say much now cos its a secret but will let you know as soon as I can :)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi Lana

Abbey will cave in stick with it I got £18000 back from them which has allowed me to stop existing and get my life back...

my post was called "abbey coughed up " if you need some moral support it might help.

Take care

good luck but you won't need it

Us 40's got to stick together mate

NN

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  • 2 weeks later...

Thanks for that night nurse and WOW, congratulations, i know my claim won't be for that much but whatever the amount is I want it back lol

 

Well it could only happen to me though, not heard anything at all from the abbey, so was bored at work today and gave them a ring, spoke to sheena small again who said that nothing had been requested from either of my 2 accounts. She's put a request in for the statements and will get on to Bradford to request the microfiche.

 

If they haven't received my original letter can I still post the DPA non-compliance letter after the 40 days?....why can nothing be straightforward for me :(

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hello lana241

 

Yes, you can, and should, send the LBA for non-compliance after the 40 days are up!

 

After your conversation with Sheena Small today, though, I think you may find you will receive your statements sooner rather later, hopefully.

 

Phil:)

This is only my personal, honest opinion!

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Hello lana241

 

Yes, you can, and should, send the LBA for non-compliance after the 40 days are up!

 

After your conversation with Sheena Small today, though, I think you may find you will receive your statements sooner rather later, hopefully.

 

Phil:)

I hope so phil, it seems like its taking a lifetime, least I don't have to send another SAR and wait another 40 days, just hope I don't get hassle with the microfiche.

 

Once this one is on its way i'll start with capital one, or as its pay day soon, might start with them then :)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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  • 2 weeks later...

Hi guys

 

haven't been on for a while but just thought i'd update you.

 

After my telephone call to sheena small I have received the 14 months worth of printouts, now just waiting for the microfiche, she has assured me it will be sent as soon as its retrieved.

 

40 days are up 14 May so they better hurry up :)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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  • 3 weeks later...

Morning everyone,

 

Just thought i'd update you a little as I haven't been around much, been promoted at work and busy with a few things....

 

My 40 days were up on 14th May but on 2nd May I received a letter from abbey saying they had received my letter (dated 2nd april) and my cheque has also been cashed now. Still no microfiche though.

 

Going to do my DPA non-compliance letter ready to post on saturday, can't get to post office before that but will do it properly this time and send it recorded delivery. I'm not prepared to wait until 40 days are up from them advising me of receipt of my letter on 2nd May I'm sticking to my deadline. Just wondered if anyone has any other thoughts on this bit.

 

Just another bit of news, although nothing to do with abbey but have rceived a letter from my mortgage advisor stating that I have 2 exit fees I can claim back too, going to use the letter posted on here for them and once i have found my completion statements going to post them on saturday too.

 

Going to cost me a fortune in postage with all other letters ready but I don't care now, think its time we made them pay instead of us.

 

Keep your chin up everyone and sock it to em :rolleyes:

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Well guys, looks like gentle reminder worked, first lot of microfiche received for one account today, and a telephone call to sheena small and the other account was posted yesterday (2nd class they send things thoough) so things definately looking up.

 

Completed spreadsheet for first account, nice tidy little sum on that one, the other account will be bigger, I know that for definate.

 

Will keep you all posted though ;)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi guys, just a quick question,

 

The majority of my statements came today (only missing 6 months) but I have 2 accounts to claim for.

 

Should I claim seperately for each or just do one claim for them both?

 

Without interest it totals 1128.38 so far. I know you can't add interest until the court stage but when interest is added its over 1500.

 

I know i'm still waiting for the other statements but just wanted to get letter/s ready and thought it might be best to ask someone who's been there before.

 

:confused:

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi Lana

 

I have 2 a/c's on one claim (total about 4.5k) with Abbey, and it's caused no probs so far, & I'm up to the 'AQ filed' stage.

 

Hope that helps - Adam.

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Thanks for that adam, really appreciate your help. just waiting for the last 6 months of statements then the battle begins lol

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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Hi Lana

 

Just as a thought that might help, I did 2 seperate spreadsheets, one for each a/c, just to avoid the possibility of anyone claimimg the schedule of charges was confusing!

 

All the best - Adam.

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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subscribing, I'm a single parent to, what did you study at uni, I did law?

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Cheers adam, i've done them on 2 s/s and a totals page but thought I was ok with this interest thing but think i've been reading too much lol

 

The 8% on the spreadsheet, i can't add that on till i do the court claim thing, that bit i understand, then when you submit the court claim, i read somewhere that then interest is multiplied by 0.00022 or something, is that the same as the 8% or something different, cos at the moment my interest by the spreadsheets is working out at 30.24 per day, have i done something wrong?

 

:confused:

 

Hi pugsley, welcome to the forum :)

 

I did a computer networking degree and loved every minute of it. , wish I was still back there, loved my life at uni but glad I did it as a mature student cos i don't think I would have worked as hard if i'd done it sooner :)

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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The 8% on the spreadsheet, i can't add that on till i do the court claim thing, that bit i understand, then when you submit the court claim, i read somewhere that then interest is multiplied by 0.00022 or something, is that the same as the 8% or something different, cos at the moment my interest by the spreadsheets is working out at 30.24 per day, have i done something wrong? :confused:

 

8% is the annual interest rate, and to work out your daily interest rate you times the number of days by 0.00022 - so they are the same thing.

 

Blimey you're up early!!

Apple x

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Thanks apple, now i understand lol

 

i'm always up early, since i had the girls have never been able to have a lie in, sometimes wish i could but at least this way, can be showered and in tesco before 8 and miss the rush, sad or what lol

Scientia est Potentia :cool:

 

Story so far:

Halifax - called 02/04/07 refunded £230 07/04/07

Abbey - on hold :(

Cabot - they've given up! :roll:

Capital One - Won including CI :o

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