Andrew1 vs Abbey

[andrew1]

... but did you get the older statements DM?

[debt_mountain]

... but did you get the older statements DM?

I did, within the 2 weeks I had given them I got the statements from 1996 to 2000 (I already had 2000 to 2004), but this was Clydesdale Banks.

 

I did also do an SAR2 to the Bank Of Scoltand and they send me an extra 8 months of statements beyond the 6 year window but I didn't have any charges in that 8 months.

 

As I have said MBNA did it also (within a few days) they were i=on th phone paying up.

 

and I am about to estimate an Associates (citicard) account (more for fun) than anything else, Citicard are one of the dirtiest dogs about.

[Lula]

Well, I telephoned (Using my Abbey 0800 731 7774 freephone number ( make note folks ! )and asked for statements back to '91 - and the very kind young lady, shocked though she was and somewhat at pains to tell me what 'leaglly' they are allowed to do and keep - get that? - LEGALLY! :o (soon put her right there ! " don't talk to me about leaglly what the banks should do" ) so she put in my request and no doubt they will all come winging their way via royal mail very soon ! I'm told they might only have up to 7 yrs so I have requested that if the documents have been destroyed they duly send me the Certificate of Destructions as per Lula's instruction ( I didn't even know about Certs of Destruction! - thanks Lula.) Needless to say, she hesitated to ask me if there was anything else she could do for me and apart from a Gin & Tonic says I - No thanks! Lets see

 

Please keep me informed Andrew, as I am VERY interested in this, where exactly does the 0800 number take you?

[Armsoft]

" Can anyone tell me if Shabby have the ability to provide statements back to the day I opened the account 20yrs ago? I am going to go for the lot - I'm sick of them. I had my 6yrs worth but I could do with the previous ones."

 

 

 

Could do with an absolute answer on this if anyone has one .... anyone?

 

 

.

 

Andrew,

I received 12 years worth of statements from Abbey (mixture of Microfiche andscreen print statements) when I sent my SAR last year, so they are able to go back at least to 1994

PM me if I can be of any more assistance (especially if they say they don`t hold data longer than 6 years)

 

See my thread Armsoft Vs Shabby Round 1

[Lula]

Hows my new Bud Armsoft then eh? they don't like it upem do they LOL

 

I still dont know where this 0800 takes you, is it to the Complaints department?

[andrew1]

Please keep me informed Andrew, as I am VERY interested in this, where exactly does the 0800 number take you?

 

Oh Lula - what fun indeed - 0800 731 7774 and 0800 587 2758 -Takes you through to the usual Call centres for banking accounts - in fact I find I'm luckier and get UK call centres most, but not always all the time. They wouldn't like it of course but I don't think they know where the call comes from - even better

 

Beats paying their o845 numbers - I never use them

[andrew1]

Andrew,

I received 12 years worth of statements from Abbey (mixture of Microfiche andscreen print statements) when I sent my SAR last year, so they are able to go back at least to 1994

PM me if I can be of any more assistance (especially if they say they don`t hold data longer than 6 years)

 

See my thread Armsoft Vs Shabby Round 1

 

Brilliant - just what I wanted to hear .

[Armsoft]

Hows my new Bud Armsoft then eh? they don't like it upem do they LOL

 

I still dont know where this 0800 takes you, is it to the Complaints department?

 

Hi Lula,

I`m pretty fantastic at the moment:D

Abbey caved in this week and agreed to everything including my compensation request:o , so just waiting for a very big cheque to hit my doormat.

They also agreed and have already actioned the removal of my Default Notice, so I`m pretty pleased at the moment.

Just preparing for round 2 now when I go for a refund of charges back to 1994, should be interesting:D

 

How are you doing now?

[Lula]

Hi Lula,

I`m pretty fantastic at the moment:D

Abbey caved in this week and agreed to everything including my compensation request:o , so just waiting for a very big cheque to hit my doormat.

They also agreed and have already actioned the removal of my Default Notice, so I`m pretty pleased at the moment.

Just preparing for round 2 now when I go for a refund of charges back to 1994, should be interesting:D

 

How are you doing now?

 

Congratulations - you little tinker, I am:grin: going there myself, so this should be interesting - was that your best Joey "How you doing?"

[Armsoft]

- was that your best Joey "How you doing?"

 

Lula,

I tried, I failed:p

 

It`s great preparing for round 2 though, especially when you know the end result, it`s almost like having a crystal ball to see into the future.

 

My six months from my SAR request is up now, so I`m going to serve another one on them next week, it will be interesting to see how they have recorded all our recent correspondance.

I wonder if they`ll send me anything prior to 1994 LOL

 

Keep up the fight, and crack open a few tinnies to celebrate:roll:

[Lula]

that's a damn good idea, lets stop hijacking this thread, although it is all very relevant and take it over to Lula v Abbey (3)

[andrew1]

Lula/ Armsoft, you guys carry on, I don't mind the mixture on info it's actually quite helpful .. post away.

[Armsoft]

Lula/ Armsoft, you guys carry on, I don't mind the mixture on info it's actually quite helpful .. post away.

 

Ooops!

I do hope Lula is not too offended at being called a guy:o

[andrew1]

Ooops!

I do hope Lula is not too offended at being called a guy:o

 

 

She's got grit !

[andrew1]

Would you ( anyone) Guys or gals think it better to challenge for the accounts back to 2000 first then go for the later ones as a second claim?

[debt_mountain]

Would you ( anyone) Guys or gals think it better to challenge for the accounts back to 2000 first then go for the later ones as a second claim?

I have been reading some of the Clydesdale claims for this very reason and Alanfornby (sp) recommends in 1 of the threads to go for it in 1 go as they would have to argue the less than 6 years charges (which they cannot) at the same hearing as the over 6 years stuff. therefore very difficult for them.

 

This was ok even if they had offered to make a payment for the under 6 years stuff because you would just keep rejecting that as it does not meet your original request. Obviously if they made a part payment offer without conditions you should accept this to show the judge you are playing ball, but if their are any conditions just kick it back at them.

 

I have raised the N1 and posted it for a 10 year claim, all the charges are from 5.5 year to 10 years and totaled about £4.500 and the interest of 8% adds about £3000 to the claim.

 

It was only served about 5 days ago so they still have a little time before they have to act.

 

I did get a reply from my LBA 3 days after I had posted the N! so it crossed in the post of the letter serving them.... The letter said "your claim is statute barred ) I had started the discussions with them in April last year so the 6 years starts from their not the date of the N1. They will try anything.

[Lula]

LOL, I think it was a generic "guys" and if you saw me, you would know that I am ALL woman

[Lula]

Would you ( anyone) Guys or gals think it better to challenge for the accounts back to 2000 first then go for the later ones as a second claim?

 

I would agree with DM on this, My first claim was specifically inside the Statute because I didn't understand it at the time, now I know, I would say go for it all together.

[andrew1]

Okay 'generics' that means I'll have to wait and see what they come up with as far as statements back to '91. nay bodder. That brings me to another question, DM quotes 8% interest - so far with my claims I have gone for Contracted+ compounded and got away with it, but Vamp has taken off the Google spreadsheets her ' Vampiress recommended' guide. There has been some heated debate over which is best to go for and I for one want to take Abbey for as much as possible given they way they have handled this - so has anyone a preference for Abbey - just 8% - Contractual - or Contractual compounded? The war begins

[Lula]

8% is the Section 69 standard interest that is awarded at the courts discretion, contractual interest is unlikely to be awarded by a court but if they want to settle at this, then more power to your elbow, If anyone is interested I have a spreadsheet that is one size fits all and all you need to do is change the figure for the percentage calculation and it does it all for you, if you want a copy, pm me your email address and I will forward a copy

[andrew1]

Thanks Lula, I know the 8% is the s.69, poor young Vamp had kittens trying to get me to understand that in the early days - Whilst I should know better by now I have been concentrating on Cabot dca and lost track of the contractula interest argument or compounded contractual - I just wanted to know ( without having to re-read about 1000 posts on the thread what the general drift was these days re Abbey.

[Lula]

Compound contractual makes my head hurt, Contractual can also be, unauthorised overdraft rate or something else which slips my mind, we are talking 16.9% here!!!! but I cant fight ALL battles at the same time so I am going to stick with my SoL, and estimated claim LOL

[andrew1]

Okay, following my request by telephone for statements pre 6 yrs I had the following response:

 

Thanks for your recent request,

 

Abbey is not normally required to hold past transaction details on your account for more than six years. Unfortunately, we're therefore unable to give you the details you've asked for.

 

If you have any questions please give us a call on the number above.

 

 

Antony Turbitt

 

Now, if I send another SAR what do you think might happen? - In my earlier one I only requested the last 6 yrs. I think I might just try and find out...

[debt_mountain]

Okay, following my request by telephone for statements pre 6 yrs I had the following response:

 

Thanks for your recent request,

 

Abbey is not normally required to hold past transaction details on your account for more than six years. Unfortunately, we're therefore unable to give you the details you've asked for.

 

If you have any questions please give us a call on the number above.

 

 

Antony Turbitt

 

Now, if I send another SAR what do you think might happen? - In my earlier one I only requested the last 6 yrs. I think I might just try and find out...

Iam sure there is a 6 month limit on an SAR and they can reject a second 1 within that time if they want.

 

you could also tell them that the original SAr request has now to be extended beyond the 6 years as you now understand that an SAR is for ALL data they hold on you not just for 6 months.

 

that is what I did with both BOS and Clydesdale and now Nationwide. All 3 coughed up the additional statements.

[Lula]

Andrew, pm your email and I will send a copy of the SAR I wrote to ask for everything plus certificates of destruction LOL