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    • to frighten and intimidate you most probably. don't engage.   have you done your WS yet? needs doing in the next 7days    
    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
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Hugo07 v Abbey


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Summary of bank charges

 

Hello all,

 

I was just wondering on the Summary of bank charges for 04 - 06 that abbey send out when putting them onto Excel for example for adding interest if i have a £100.00 cleared transaction charge in August 04 for example with 5 cleared transaction charges do you list that as one transaction (100.00) or 5 seperate £20.00 transactions? Does it matter?

 

Does this even make any sense? lol

 

Many thanks

Hugo

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Hugo

I think I have worked out the Excel Spread sheet Pam Speed has sent you and I. There are 4 different types of Bank Charges (Unpaid Direct Charge, Unpaid Cheque Charge, Unpaid Standing Order Charge and Unauthorised Overdraft Fee) listed on the spreadsheet (in columns) and columns for the Number of times any of the above Bank Charges occurred in each month. Add up all the totals (Monies) in the last row and subtract the refunds (if applicable) in the last row of the refund section. I hope this kind of made it clearer

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Hugo

I think I have worked out the Excel Spread sheet Pam Speed has sent you and I. There are 4 different types of Bank Charges (Unpaid Direct Charge, Unpaid Cheque Charge, Unpaid Standing Order Charge and Unauthorised Overdraft Fee) listed on the spreadsheet (in columns) and columns for the Number of times any of the above Bank Charges occurred in each month. Add up all the totals (Monies) in the last row and subtract the refunds (if applicable) in the last row of the refund section. I hope this kind of made it clearer

 

Thanks Andypal!!! :)

 

I only have charges under total cleared transaction charges which total £280.00 (with £40.00 refunded) and one Total unpaid cheque charge which totals £32.00.

 

Is this correct to claim so far? 280.00 (total cleared transaction charges) + £32.00 (Total unpaid cheque charge) - £40.00 (Refund) = £272 ?

 

I will add interest on top if i ever find out the days the charges were charged on!!!!

 

Any help is much appreciated!!

 

Thanks again

Hugo

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quote

I only have charges under total cleared transaction charges which total £280.00 (with £40.00 refunded) and one Total unpaid cheque charge which totals £32.00.

 

Is this correct to claim so far? 280.00 (total cleared transaction charges) + £32.00 (Total unpaid cheque charge) - £40.00 (Refund) = £272 ?

 

I will add interest on top if i ever find out the days the charges were charged on!!!!

 

Any help is much appreciated

_____________________________________________________________

You need to add up the total cleared transaction charges (£280.00) Plus unpaid cheque charge (£32.00). If there are any more charges please add them in too. Then subtract the refund (£40.00)

 

How are you adding on the interest? Using a Spready from this site or to the total?

 

 

 

Hope this helps

 

ANDY VS ABBEY

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Click on the link below and do a search for "S" and choose a Spready from here. Pretty good. I got it from CharleyK

 

Can't Find What You're Looking For? Here's A Complete A-z Index

 

pick the spready you like best and it does the work for you and gives the 8% as a self-calculating running total, so in 121 days time you'll still be accurate.

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ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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_____________________________________________________________

You need to add up the total cleared transaction charges (£280.00) Plus unpaid cheque charge (£32.00). If there are any more charges please add them in too. Then subtract the refund (£40.00)

 

How are you adding on the interest? Using a Spready from this site or to the total?

 

 

 

Hope this helps

 

ANDY VS ABBEY

 

Click on the link below and do a search for "S" and choose a Spready from here. Pretty good. I got it from CharleyK

 

Can't Find What You're Looking For? Here's A Complete A-z Index

 

pick the spready you like best and it does the work for you and gives the 8% as a self-calculating running total, so in 121 days time you'll still be accurate.

 

 

Thanks so much for all your help!!

 

I have now done the adding’s and then subtracted the refunds that have already be refunded back to me so far.

 

To add on the interest I have been on the money savings expert site and have been trying to use the interest calculator but as Abbey have not given me days that charges were made I have just be doing say the 12th of the month so that Abbey cant turn round and say I’ve been claiming more that I’m entitled!!

 

I have only yet received my duplicate statements (which had no charges on to claim) and the summary of bank charges for Jan 2004 to December 2006 which I have been adding etc as stated earlier.

 

I’m still waiting for the remaining requested info for 2001 – 2003

 

I went on to the useful link you gave me – S - Spreadsheet with interest 6. Interest calculation spreadsheets – bank accounts – England – Simple – Excel but as I don’t have the exact day charges were taken im just getting confused L

 

Thanks again for all your help as ive been so confused with all.

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Hi all,

 

I was just wondering in the information commissioners complaint form do we included statements sent to us as their is quite afew? Or just letters sent between Abbey and the customer?

 

Many thanks

Hugo

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Hi all,

 

I was just wondering in the information commissioners complaint form do we included statements sent to us as their is quite afew? Or just letters sent between Abbey and the customer?

 

Many thanks

Hugo

 

Hugo

 

I just enclosed a copy of all the letters sent to abbey and what they sent to me, I did enclose that useless schedule they sent us, purely because I wanted the ICO to moan at Abbey for not putting the exact date the charges came out, but obviously from the Moneysaving website, you know that I was lucky enough not to have needed to send them.

 

have you still not had a response back from the email you sent to jackie scott?

 

Regards

Julie xxx

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Hugo

 

I just enclosed a copy of all the letters sent to abbey and what they sent to me, I did enclose that useless schedule they sent us, purely because I wanted the Information Commissioners Office to moan at Abbey for not putting the exact date the charges came out, but obviously from the Moneysaving website, you know that I was lucky enough not to have needed to send them.

 

have you still not had a response back from the email you sent to jackie scott?

 

Regards

Julie xxx

 

Hi Julie,

 

Thanks for that...looks like i am going to have to send it off to the Information Commissioner!!

 

The postie walked on pasted my house leaving nothing AGAIN!!!

 

I got no response from Jackie at all...i also emailed customer services at shabbey..i also emailed 2 other names based within Shabbey which i found and their emails didnt bounce so i assume they went through..but no replies from anyone!!! I thought at least customer services may have replied!!

 

Thanks again

Hugo

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What about faxing over to customer services in Bradford a copy of the complaints form that you will be sending to the ICO and Financial Ombudsman, or have you done that already?

 

Did you try debbie wagstaff? there is also a couple of other names that I put on my thread, one i believe is dave and the other is maxine, both based at Milton Keynes.

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I havent faxed them at all because its hard to get access to a fax machine!!

 

I also emailed Debbie and got no reply either - I will have a go and email Maxine and Dave now!! and attach my IC's complaint!!

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Thank Julie, The Maxine watts email just went through but the dave one bounced so will see if i get any luck with this one!!! :)

 

Good Luck

 

Hugo, if you havent done so already, subscribed to the thread that Louis has started , (starts, have you recevied a spreadsheet) sorry dont know how to put links in to messages. There are others like us that are discussing this problem with the abbey.:roll:

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Hi all…

Well I was about to email Jackie at abbey again this morning when the postie arrived…you guessed it with my remaining statements yay so anyway I had a look through them quickly and I don’t really understand many of the abbreviations – I know VP seems to be payment in shops, csh is cash, trf – transfer , bgc – bank giro etc.

I only seem to have 2 unauth o/d fee one for £15.00 and one for £16.50? These are ok to claim right?

Also what is INT Debit IDB? Can these be claimed (the biggest one on my statements is about 5.99)

Sorry if this sounds stupid lol

Any help is much appreciated

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HOORAAYYYYYY, I am so glad they have arrive.

 

On my microfiche it showed charges as CHG in the abbreviations. I dont think you can claim INT Debit as this is the monthly amount you get charged for your overdraft.:D

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Yes you can claim it, it's the amount the bank charges you on the penalty charges they've applied, if by charging you they force you into overdraft.

 

Yes you can claim the £15 and £16.50.

 

I have no overdraft so no monthly fee but still had Int Deb on my statements. Included it in my claim and they haven't argued.

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Thanks Julie and thank you so much for all your help and emails!! I think it done the trick!!!

 

Thanks Robdblynd too!! Maybe i could try claim them

 

Anybody else claimed for the INT Debit IDB? some are only small like 1.60 and others 5.99?

Many thanks

Hugo :)

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Please could anybody tell me on the summary of bank charges the - 2004 - 2006 (the table one Abbey send). On the table for example i have a £20.00 cleared transaction charge but the £20.00 has a - (minus) in front of it -£20.00 is that still ok to claim? is it normal? sorry for sounding silly just wanted to double check

 

Thank you

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Thats Abbey for you. You can claim that too. This means that it was taken from your account.

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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