Here I go !!!!

[GetEvenWithAbbey]

Well, after reading about all the successes on here, and being thoroughly hacked off with Abbey right now, I am sending off my request for statements. Just 6 years to start with. But if I enjoy it as much as you all seem to - back to opening the account in 1976 could be great fun.

 

Wish me Luck

 

Martyn:)

[bp]

welcome and good luck with your claim. Keep us posted.

[Robdblynd]

If you send a properly worded SAR using the template letter from this site they are supposed to send you all info they have, this means back to when you opened the account, not just six years.

 

They'll try telling you they only hold six years but remind them you've sent a SAR and they soon agree to let you have everything.

 

Good luck, and welcome to the club.

[GetEvenWithAbbey]

Thanks Robdblynd, done just waht you said.

 

Should take a month of Sunday's to wade through that lot !!!!!

[Robdblynd]

Well at least it'll keep you out of mischief.

 

And just think of how much you might be able to reclaim, and all that interest you'll get cos the muppets won't settle before you've issued a claim. It's the best savings account on the planet, where else would you get a minimum of 8% pa?

 

Keep us posted on how you get on, and good luck with the wading through, you'll probably needs specs by the time you've finished.

[GetEvenWithAbbey]

Sent off for SAR 2 weeks ago by recorded delivery - but not heard anything - not even an acknowledgement !! Rude I know - but unusual???

[Robdblynd]

No, not at all unusual.

 

You should receive 14 months of copy statements fairly soon, then probably a useless piece of paper which is a spreadsheet of charges but only gives the number each month of each charge and a total per month.

 

You then write and remind them they haven't properly fulfilled your SAR request, they eventually get their finger out and send you the rest as phocopies of microfiche and then your work really begins.

 

That's been the format just recently, but don't let them off the hook, they've got 40 days to fulfil a SAR, so I'd remind them when it's nearly up. Put a heading on your letter that catches their eye otherwise you'll end up in the pile of 'to do' things that hang about a bit.

 

Good luck.

[Leecabs]

Hi Martyn,

 

this section helps if abbey are non comliant with your data request, I sent a LBA (Letter Before Action) 7 days before the time limit was up:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

If Abbey still fail to comply report them to the ICO (Information Comissions Office) using the below website link including copies of your correspondence to Shabbey:

Data Protection Complaints – Information Commissioner’s Office (ICO)

 

Also make sure you send your correspondence by Special Delivery as you can check on the royal website to confirm it has been delivered.

 

Any way best of luck!

 

Leecabs

[GetEvenWithAbbey]

Thanks Rob and Lee,

 

Blimey if I'm getting impatient now - just think what I will be like in a couple of months time !!!!!!!!!

[sapphireeyes]

No, not at all unusual.

 

You should receive 14 months of copy statements fairly soon, then probably a useless piece of paper which is a spreadsheet of charges but only gives the number each month of each charge and a total per month.

 

You then write and remind them they haven't properly fulfilled your S.A.R - (Subject Access Request) request, they eventually get their finger out and send you the rest as phocopies of microfiche and then your work really begins.

 

That's been the format just recently, but don't let them off the hook, they've got 40 days to fulfil a SAR, so I'd remind them when it's nearly up. Put a heading on your letter that catches their eye otherwise you'll end up in the pile of 'to do' things that hang about a bit.

 

Good luck.

 

Hi just had a quick look at this and wondering have I done something wrong!! Is the summary of bank charges no good?? I have statements back to 2005 and they have sent me some form of print off for 2001 to 2003 but 2004 is on one of these summary of bank charges. Do I need to request actual statements for this period? I didn't use an SAR I just phoned up and asked only just found this site.

[bp]

No that's fine, the print out are prob microfiche so i wouldn't worry about it. Just go adding up!

[Robdblynd]

If the print off is the one they're sending out at the moment it will be a spreadsheet style list, printed in landscape, with headings like 'Month of Charge', Total Cleared Transaction Charges', Number of Cleared Transaction Charges', in heading across the top and on the right hand side there is a heading of 'Refunds' with similar lists underneath it.

 

Don't panic though, cos within 2 weeks of getting that I got my microfiche copies.

 

The problem with the spreadsheet summary they send you is it's not any use when you need the actual dates of charges etc, which they ask for in their defence. On the basis that you might have to go into court, you need accurate information. You could just say that as your charges always came out on a particular date you have used that date in the absence of detailed information from Abbey.

 

I'ts nothing to get yourself worried about, use the summary to add up your charges and when the other stuff comes through you'll be able to put in the details.

[GetEvenWithAbbey]

Well, 3 weeks after sending SAR I have recieved a single spreadsheet page covering Jan04 - Mar 06 from Pam Speed, with the assurance I shall recieve other details within 5-7 days.

 

I am just preparing template 1 for non-compliance as the spreadsheet is not acceptable - is this correct???????????

 

By the way - charges in this two years are £1800 !!! Going back to 1976 and including the last year, this could be a biggy !!!!!

[Metalhead1975]

Sounds like standard their standard practice to me. Initially, I didn't even send statements, I pretty much just said 'give me my money!' - and they did, 18 months worth, anyway. Then I requested my statements (which also took ages to arrive, so nothing unusual there!), highlighted the charges, sent them off with a much more thorough letter, got rejected, started court proceedings... leading them to drag their heels even more.

 

Long story short - they'll drag their heels on everything, but it's undeniably fun and totally to be worthwhile sticking it to the man!

 

Good luck!

~Dave

[GetEvenWithAbbey]

I do no thave the best credit score at the moment !!! And am also overdrawn with ShAbbey.

 

Can anyone suggest a Bank that I could open an account with, I would need one with a debit card as work takes me abroad a fair bit.

 

Thanks:?

[Leecabs]

Hello again Martyn,

 

glad to here its coming along, I opened a bank account with Barclays. They gave me a overdraft matching my Shabbey account one and let me transfer my debt all without depositing a penny! Then they let me take a month or two to transfer my direct debits and pay check over. As you probably know these can take some time to organise.

 

I just went into the bank and saw one of their account managers, I took out an additions plus account which gives you:

Travel Insurance

Mobile Phone Insurance

Break Down recovery

Payment Insurance

Death Payment

and so on

 

It does cost 14.99 a month but I was paying more than that with all the other stuff.

 

And no I dont work for Barclays but they were helpful, they had just better never charge me! LOL

 

I would also recommend not saying the reason im changing bank is because im taking them to court.

I just said im fedup with the service Abbey have offered to me over the past 17 years!

 

Anyway its up to you I have heard Alliance and Leicester are very helpful. But they dont have as many branches.

 

Good luck!

 

Leecabs

[GetEvenWithAbbey]

Thanks leecabs.

 

I'll try Barclays

 

I'm just plaing safe in case ShAbbey get arsey and close my account or call in my overdraft.

 

Thanks

Martyn:oops:

[Leecabs]

Thats why I did it! I dont want Shabbey to have leverage over me!

 

Cheers

 

Lee

[GetEvenWithAbbey]

Just got my statements through back to 30/01/01. Have had an account with them since the mid 70's, and although I asked for ALL statements since account opened, this is all I got.

 

I'm proposing to

1) treat 30/01/01 to today as 1 claim

2) bang off non-compliance letter for remainder of statements

3) new claim for pre-30/1/01

 

Does that sound right???

 

Martyn

[Leecabs]

Hi Martyn,

 

Yep thats what I would do best to keep them seperate, that way you can focus on what you have and then proceed with a 2nd claim when you get all the statements which may take a long while considering the amount of them there must be!

 

So the next step is to tot up the charges and any charged overdraft interest for the last 6 years so best to go from 30/06/01 to Todays date as when you enter the claim it will be around the 30/06/07 the last 6 years.

 

You should find the prelim letter on this link:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

and this link will help you find the spreadsheet to tot up the charges:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Remember dont add the 8% interest on at this stadge that comes later.

 

Good luck any queries give us a shout.

 

Leecabs

[GetEvenWithAbbey]

Thanks Leecabs

 

Didn't realise I could charge overdraft interest as well!!!!!!!!

 

I'll go back over my spreadsheet and add those in now.

 

Thanks again ----- more coffee needed NOW;)

 

Martyn

[Leecabs]

Martyn please take a look at this from the FAQ's:

 

1) Overdraft Interest paid by you on the charges

This is the amount of interest the bank charged you for being overdrawn. You can only claim the proportion of interest charged on your charges, as opposed to any charged on spending. The Advanced spreadsheet will help calculate this amount. The Overdraft Interest figures should be included within your Preliminary letters to the bank.

 

Good luck I couldnt get my head round this bit on my claim!

 

Leecabs

[GetEvenWithAbbey]

Ok I'll take a look at it.

 

Thanks

 

Martyn

[GetEvenWithAbbey]

Morning All,

 

Just going to Post Office to send my Prelim Letter and copy of spreadsheet to Pam Speed. Asking for £2966.50, going back to end of Jan 01.

Also chasing her up for statements back to 1976 !! That should be fun !!!