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Mr and Mrs Chorlton vs Abbey


chorlton1
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Here we go then - last bank/credit card claim (other than the Barclays "over 6 year old" stuff.......

 

SAR sent some time in Feb

 

Prelim sent some time in March (never acknowledged by Abbey)

 

LBA sent 14 days ago

 

Called Abbey last week to give them a kick - the customer service person who spoke to me claimed to have "a diploma in law" (is that like a mother in law?) and lectured me for a few minutes about why I was wrong and they were right.

 

She told me I would not get any money - I told her to look up my/Mrs C's 2 sucessful claims - she did and then said they were "exceptions".

 

She asked why I really wanted to go through all the hassle of filing in court, and if I waited for 8 weeks then the complaints procedure would surely resolve something amicably.

 

Told her I was filing 14 days after my LBA was dated, through the HMC online site.

 

She then admitted that she hadn't heard of MCOL!

 

 

 

MCOL submitted today

 

Will let you know how it goes :)

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Blummin eck, I wish i had spoken to her, I would have given her chapter and verse ROFLMAO AND quoted case references , oh how they do like to try it on :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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It made me chuckle at the time, although I can see why individuals who are making their first claim get put off and accept derisory settlements.

 

I wonder if the FSA would comment on staff of financial services providers providing legal opinions (and advice, however twisted) - surely that is a breach of what they can do, regardless of whether the individual has an O-level in law!

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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She told me I would not get any money - I told her to look up my/Mrs C's 2 sucessful claims - she did and then said they were "exceptions".

 

 

 

it would appear that Abbey have quite a few ''exceptions''! :D

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Its that old adage "the exception proves the rule" coming true!

 

I might get that printed on a mug and send it to her! :p

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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  • 1 month later...

Been a while so here is un update:

 

MCOL filed

 

Claim acknowledged

 

Defence issued

 

At same time as defence issued, Abbey offered 65% settlement as GOGW

 

AQ waived - case passed to Wandsworth County Court

 

Contacted Ashursts (although they have not been engaged on my case yet, couldnt reach Abbey on any numbers they provided)

 

Told Ashursts would not accept 65% and would be requesting 14 day full disclosure (per new AQ strategy)

 

Ashurst's said that Abbey wouldnt enter a bidding war, but would consider a counter offer

 

Made a counter offer of 100%.......

 

Will let you know what happens next ;)

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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