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Hello everyone, I've followed the advise is the CAG Faqs, I am at the stage when Abbey say they have completed a full investigation and confirm the charges were applied as I had insufficient funds available. Also that they are satisfied that the charges do not contravene the UTCCR 1999, and comply with the OFT, also,the charges are based on extra admin work involved when an account has insufficient funds to meet a payment and should I remain unhappy I can write to the Fin' Obs'.

Was this a standard fob off letter?

Abbey regret, that they are unable to provide a breakdown of how charges are apportioned, I emailed Abbey to remind them that without specific proof of the true cost, their charges may be unlawful and that I will proceed with my claim for the return of my money via the courts.

I am claiming back £475 on an account Abbey closed, once cleared, 5 years ago.

The charges were for cleared transactions and unpaid DD's.

Is there anything else I should or can do before MCOL.

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This is a typical fob off letter that the banks are using in the hope that the claimant will go away.


As you have requested that the charges be repaid to you and they have refused then I can see no alternative but to use MCOL.



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Hi April,

Welcome to the forum,

As PPman has said its a fob off, just carry on with your claim.

issue the next letter.

Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

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welcome to the forum.


Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.


For instant live help please go to the chat room


Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.


If you liked what I have written then please let me know by clicking on the scales!


FAQS wink.gif

http://www.consumeractiongroup.c o.uk/forum/faq.php


Scotland Issues

http://www.consumeractiongroup.c o.uk/forum/scotland/


Step by step instructions biggrin.gif better safe than sorry!

http://www.consumeractiongroup.c o....tructions.html


Templates cool.gif If it aint broke dont fix it!

http://www.consumeractiongroup.c o....lates-library/


Online claim or direct at court?

Getting MCOL Right


Finally good Luck.



If my advice helps please tip the scales, left.

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