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AuntEdie vs Abbey (NI)


AuntEdie
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Hi everyone

 

I have already sent my first letter and my LBA asking for £2500 in fees from over 6 years of statements received. I telephoned them today saying that I had not heard anything and that I would, as a show of good faith, give them another 7 days to respond to me with a refund whereby their failure to do so would result in me lodging with the Small Claims Court for that amount + interest. From reading the other threads I think I will split my claim up to keep it under £2000.

 

However, I am concerned that they may close our joint account and our other accounts which we have with them - including our mortgage! Where do I stand on this - can anyone please help before I proceed?

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  • 2 weeks later...
Hi everyone

 

I have already sent my first letter and my LBA asking for £2500 in fees from over 6 years of statements received. I telephoned them today saying that I had not heard anything and that I would, as a show of good faith, give them another 7 days to respond to me with a refund whereby their failure to do so would result in me lodging with the Small Claims Court for that amount + interest. From reading the other threads I think I will split my claim up to keep it under £2000.

 

However, I am concerned that they may close our joint account and our other accounts which we have with them - including our mortgage! Where do I stand on this - can anyone please help before I proceed?

 

Firstly, why do you want to split the claim up. the limit for small claims is usually £5000. I wouldn't give them another 7 days either (ask yourself, would they give you extra time? I think not)

 

There is an outside chance they might close your account. However, it doesn't seem to happen often and the OFT take adim view of it. Alliance and Leicester were fined for doing it as it was considered intimidatory. Open an account elsewhere for safety. I think they woul dnot chance the repercussions of doing anything to your mortgage. That is a seperate agreement and provided you are within the T&Cs of that agreement I don't think they can legally do anything.

 

Perhaps someone else will comment if I am not right here.

 

Steven

Steven

 

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Sorry, hadn't noticed the (NI)

 

Steven :o

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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I have just filed today for £1957.70 - with interest and court charges this comes to close to £2600 (is this ok? or should the total with interest be £2000)?

 

Also, it has been returned as a query but it doesn't tell you online why it is queried - anyone had this before?

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