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abroadgirl v Abbey


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abbey £6086

this is what i am claming plus int

they paid me £703 but there offer was £910 when i asked them why was the downfall they said for me to accept there apolygy as it was an error on there part i replyied no i dont accept there apolgy and if they dont give me the diffrence of there g o gw i will take it futher this is what im doing i now have the AQ but gosh ive read for 2 days and im so confused, they are denying it all even thou i have the letter etc, now i am facing more charges £312-92p from 9th july the same reapeatedly over n over i have wrote and told them i have no intensions of paying them and that i am reclaiming these if they dont it shall be added onto the cost for the courts any help please

they were taking the charges out of my dissability i tried for overdraft but they kept refusing me but it didnt stop them taking these charges out of my dissablity/mobility

thanku for your help

abroadgirl

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are they still taking money out of your disability allowance?

you need this:

Right of Appropriation - Stop the bank from taking your money

 

as for your claim - i think it would help if you put it in an order like:

xx/xx/xx prelim letter

xx/xx/xx lba

xx/xx/xx mcol filed for £xxxx.xx

xx/xx/xx defence filed case move to xxxxxxx court

 

it's a little difficult to just jump right in without the background - so make a little diary then peeps will know where you are in your claim.

then ask your questions and peeps will be here to help you.

good luck abroadgirl.

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Hi abroadgirl, they ARE NOT allowed to take your benefits, personalise the letter above and take it into your local branch a few days before the benefit is paid in and tell them that you expect to be able to draw on your benefit in its entirey, dont let them fob you off, dont let them intimidate you, take someone with you if you need moral support. Any problems - come back here

 

then, write to them and state that you disagree with your charges and formally require the account to be put into dispute, open another account and have all your payments transferrred to that one and your standing orders and direct debits.

 

Do you have all your statements? if not you need to download an SAR to send them , but we can deal with that when you have done the letter

 

hope this all helps you

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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hello thankyou so much for all your help, i am new to this so please bear with me

i ahall tell you everything i have done it will help you all to understand me a lil ty

i used the template letters from martin i sent all thress of them, they offered me as a guesture of good will £910 so i accepted then they put in £703 in my account i wrote faxed phoned emailed then asking why and what was there reason eventully they replied saying that it was an error and they hope i accept there apolagyies, i replied and said no i dont accept there apolygy and that i want an a explanation as to why im still waiting so i wrote to them and said i am not happy and i am taking it futher, i called into my local branch after getting a mini staement and wow i have charges £295.73p

i went to the counter and asked what these were for they have been chargeing me over and over for the same from 9th january i got a letter now saying that it is £312.92p (sorry i put july instead of january)and they want this repaying with intrest i replied saying i am not paying it and i am reclaiming them so i sent the first letter and i also stated that if they dont refund me this charge i shall be adding onto the small claims

i do have statements and i have cpoies of everything from them to me i have also copied the letter where they are apolgising and says it was error on there part, so i have done everything martin has told us to i now have the allocation questioaire, to fill in, i have stopped my dissabilty/mobiliy and now goes into the po account but yes they took it out of this. thanku for listning and all your help

i will go on that link now i will check back here ty

hugs

abroadgirl.

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mini staement and wow i have charges £295.73p

so i told her i am not happy and that i am taking it to court and she said i dont blame you i wouldnt be happy either good luck

that is what she said to me

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Good Luck abroadgirl:D

 

They offered me a GOGW of £323 (against a claim of over 5K)

 

They actually put £282 in my account!!!

 

That was in January and they finally settled with me just over a week ago.

When I was going over the details of my claim with her I mentioned the discrepancy and she said "Oh well, there are so many of these claims, somebody obviously just got the figures wrong"!!!! WHAT ARE THEY ON??? This is a financial institution - I work as a budgetary officer and I have to balance finances etc... How can they offer us £???? and then credit accounts with £????. GOD knows how they balance their books (BUT as WE know - they don't know what they're doing:confused:

 

Anyway, sorry for the rant;)

 

Carry on and GOOD LUCK:D

 

Cassie

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hi tyvm for your replies i guess i do dtress a bit sorry.

no you didnt rant i enjoyed reading your post ty

the form AQ i have managed by going through the boards and printing out what has to be attaqched.

the only thing i have got and done is a spreadsheet? i have clicked on the link and it is all diffrent small boxes?

ty for all your help

hugs

abroadgirl

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

 

Was it in the above link? You need to choose which spreadsheet you want in you case i think it will be the "simple calculations spreadsheet" unless you are going for contractual which a lot more complicated and at this stage i wouldn't go for that but its up to you.

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hi tyvm for your message yes ive been on that link quite afew times but it says open save then it comes up that i carnt open it it may be read only? but i keep trying

thanku so much

hugs

abroadgirl

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hi i have got it now but what do i click on i have clicked on tools, easy cal then other but i dont know what to click on next there is alot in the menu or so i just delete whats on the page and put my details in there ty for all your help

abroadgirl

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oh my i have been at this all day yesterday till late last night and today it is really doing my head in please can i send it here for u or anyone to help me i have more to put in but i feel i have done it all wrong please can u help as it has to be back by the 7th tyvm

please help

thanku so much

hugs

abroadgirl

i know its wrong

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Abbey National Plc

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SCHEDULE OF CLAIM FOR CHARGES

 

 

 

 

 

 

 

PERIOD: [DATE FROM] TO [DATE TO]

 

 

 

 

 

 

 

In Respect of:

 

Date Incurred

 

Days since offence

 

Interest 8% APR

Daily intrest

 

 

interest charge

 

£0.23p

 

2/11/2003

 

 

 

 

 

197

 

 

£24.625

 

£1.10p

 

 

d/d unpaid charge

 

£32.00

 

17/11/2003

 

 

 

 

 

182

 

 

£22.75

 

£1.10p

 

 

overdrawn interest charge

 

£0.16p

 

1/12/2003

 

 

 

 

 

179

 

 

£22.375

 

£1.10p

 

 

overdrawn charge

 

£15.00

 

3/12/2003

 

 

 

 

 

177

 

 

£22.125

 

£1.10p

 

 

cheque charge

 

£20.00

 

4/12/2003

 

 

 

 

 

176

 

 

£22.00

 

£1.10p

 

 

d/d return charge

 

£32.00

 

4/12/2003

 

 

 

 

 

176

 

 

£22.00

 

£1.10p

 

 

interest charge overdrawn

 

£0.98p

 

0405/2004

 

 

 

 

 

392

 

 

£49.00

 

£1.10p

 

 

charge for clearing visa payment

 

£20.00

 

2/8/2004

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

d/d clearing charge

 

£20.00

 

2/8/2004

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

payment charge

 

£20.00

 

31/01/2005

 

 

 

 

 

483

 

 

£60.375

 

£1.10p

 

 

cheque charge

 

£20.00

 

31/01/2005

 

 

 

 

 

483

 

 

£60.375

 

£1.10p

 

 

payment charge

 

£20.00

 

4/2/2005

 

 

 

 

 

452

 

 

£56.5

 

£1.10p

 

 

cheque payment charge

 

£20.00

 

7/2/2005

 

 

 

 

 

449

 

 

£56.125

 

£1.10p

 

 

overdrawn interest charge

 

£0.01p

 

1/7/2005

 

 

 

 

 

332

 

 

£41.5

 

£1.10p

 

 

payment charge

 

£30.00

 

15/06/2005

 

 

 

 

 

347

 

 

£43.375

 

£1.10p

 

 

visa charges

 

£30.00

 

20/06/2005

 

 

 

 

 

336

 

 

£42.00

 

£1.10p

 

 

d/d charge even when money in bank

 

£30.00

 

2/8/2005

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

charge visa payment

 

£30.00

 

2/8/2005

 

 

 

 

 

300

 

 

£37.5

 

£1.10p

 

 

charge when money in bank

 

£30.00

 

2/11/2005

 

 

 

 

 

208

 

 

£26.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing cheque 001292

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing d/d

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing via payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing visa payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge overdrawn

 

£20.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge for visa debit card

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

unpaid d/d no 19

 

£35.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge overdrawn

 

£20.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

charge for clearing d/d no 19

 

£30.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

d/d no 19 charge

 

£35.00

 

30/01/2006

 

 

 

 

 

484

 

 

£60.5

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

visa payment charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

cheque 001295 charge

 

£30.00

 

6/2/2006

 

 

 

 

 

450

 

 

£56.25

 

£1.10p

 

 

charge for overdraft

 

£20.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

cheque clearing charge 001292

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

d/d no 19 charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

visa clearing charge

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

charge for clearing visa payment

 

£30.00

 

2/2/2006

 

 

 

 

 

454

 

 

£56.75

 

£1.10p

 

 

interest while overdrawn

 

£0.40p

 

1/3/2006

 

 

 

 

 

395

 

 

£49.375

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

28/02/2006

 

 

 

 

 

455

 

 

£56.875

 

£1.10p

 

 

d/d no 19 charge

 

£30.00

 

28/02/2006

 

 

 

 

 

455

 

 

£56.875

 

£1.10p

 

 

overdraft charge

 

£20.00

 

5/3/2006

 

 

 

 

 

391

 

£48.875

£1.10p

 

 

charge clearing payment

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge clearing cheque no 001295

 

£30.00

 

5/3/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge unpaid d/d no 19

 

£35.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdrawn interest

 

£0.17p

 

1/4/2006

 

 

 

 

 

423

 

 

£52.875

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

17/03/2006

 

 

 

 

 

438

 

 

£54.75

 

£1.10p

 

 

charges

 

£30.00

 

17/03/2006

 

 

 

 

 

438

 

 

£54.75

 

£1.10p

 

 

cheque 0012898 charge

 

£30.00

 

27/03/2006

 

 

 

 

 

428

 

 

£54.75

 

£1.10p

 

 

d/d no 19 charge

 

£35.00

 

30/03/2006

 

 

 

 

 

425

 

 

£53.125

 

£1.10p

 

 

overdraft charges

 

£20.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

charge clearing visa

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

cheque 001298 charge

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

interest while overdrawn

 

£0.17

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

unpaid d/d

 

£35.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

8/5/2006

 

 

 

 

 

385

 

 

£48.125

 

£1.10p

 

 

cheque no 001299 charge

 

£30.00

 

8/5/2006

 

 

 

 

 

385

 

 

£48.125

 

£1.10p

 

 

unpaid d/d no 18 charge

 

£30.00

 

10/5/2006

 

 

 

 

 

382

 

 

£47.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

visa payment charge

 

£30.00

 

3/5/2006

 

 

 

 

 

391

 

 

£48.875

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

d/d clearing charge

 

£30.00

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

interest while overdrawn

 

£0.45p

 

3/4/2006

 

 

 

 

 

421

 

 

£52.625

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

cheque charge

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

charge for clearing d/d

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

charge intrest

 

£0.04p

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

d/d charge

 

£35.00

 

15/05/2006

 

 

 

 

 

387

 

 

£48.375

 

£1.10p

 

 

overdrawn charge

 

£20.00

 

11/5/2006

 

 

 

 

 

383

 

 

£47.875

 

£1.10p

 

 

d/d charges

 

£35.00

 

24/05/2006

 

 

 

 

 

369

 

 

£46.125

 

£1.10p

 

 

overdraft charges

 

£20.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

d/d charges

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

cheque clearing 001299

 

£30.00

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

interest charge

 

£0.04

 

2/6/2006

 

 

 

 

 

360

 

 

£45.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

d/d clearing charge

 

£30.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

visa clearing charge

 

£30.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

charge for clearing cheque no 001306

 

£20.00

 

2/8/2006

 

 

 

 

 

300

 

 

£45.00

 

£1.10p

 

 

overdraft charge

 

£20.00

 

2/9/2006

 

 

 

 

 

518

 

 

£64.75

 

£1.10p

 

 

charge for clearing cheque no 001311

 

£30.00

 

2/9/2006

 

 

 

 

 

518

 

 

£64.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

unpaid d/d

 

£35.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

charges

 

£20.00

 

22/06/2006

 

 

 

 

 

338

 

 

£42.25

 

£1.10p

 

 

mandate no 18

 

£30.00

 

22/06/2006

 

 

 

 

 

338

 

 

£42.25

 

£1.10p

 

 

charge visa payment

 

£30.00

 

23/06/2006

 

 

 

 

 

339

 

 

£42.375

 

£1.10p

 

 

cheque charge

 

£30.00

 

26/06/2006

 

 

 

 

 

342

 

 

£42.75

 

£1.10p

 

 

overdraft charge

 

£20.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

d/d charge

 

£35.00

 

3/7/2006

 

 

 

 

 

330

 

 

£41.25

 

£1.10p

 

 

overdrawn charges

 

£20.00

 

7/8/2006

 

 

 

 

 

305

 

£38.125

£1.10p

 

 

cheque charges001311

 

£30.00

 

7/8/2006

 

 

 

 

 

305

 

 

£38.125

 

£1.10p

 

 

overdraft charges

£20.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

d/d charge for clearing

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

visa payment charge

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

clearing cheque

£30.00

 

2/8/2006

 

 

300

 

 

£45.00

 

£1.10p

 

 

overdrawn charges

£20.00

 

4/9/2006

 

 

520

 

£65.00

£1.10p

 

 

charges

£30.00

 

4/9/2006

 

 

520

 

£65.00

£1.10p

 

 

overdrawn charge

£20.00

 

15/09/2006

 

 

287

 

£35.875

£1.10p

 

 

instruction 14 charge

£30.00

 

15/09/2006

 

 

287

 

£35.875

£1.10p

 

 

overdrawn charges

£20.00

 

3/10/2006

 

 

228

 

£28.5

£1.10p

 

 

d/d charge

£30.00

 

3/10/2006

 

 

228

 

£28.5

£1.10p

 

 

overdraft charges

£20.00

 

2/11/2006

 

 

208

 

£28.5

£1.10p

 

 

d/d charge

£30.00

 

2/11/2006

 

 

208

 

£28.5

£1.10p

 

 

charges

£20.00

 

3/12/2006

 

 

177

 

£22.125

£1.10p

 

 

cheque clearing fee

£30.00

 

3/12/2006

 

 

177

 

£22.125

£1.10p

 

 

overdrawn charges

£20.00

 

11/11/2006

 

 

188

 

£23.5

£1.10p

 

 

charges, fees up to

£316.92

16/05/2007

 

128

 

£16.00

£1.10o

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hi bp i went on the thread u gave me and i deleted the dollors etc and put my own in cor ive been at it now for a whole day n half think its the simple one laughs like me i guess hahahaha

ty

hugs

abg

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hi bp,

ive just seen the post where i posted the spreadsheet its diffrent to what it actually is the £1-10p is the dailiy int rate and the other is the 8% rate

but i was getting all mixed up

sorry for the confusement im causing you

hugs

abg

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right i'm looking at the above post and i have to be honest i can't understand it mayby its my brain! You went into the link i posted clicked on the very 1st one(simple excel)it then asks you to either open, save you chose to save it?

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yes but im getting all confused with the intrests daily intrst etc yes i saved it i could go throu all that again not another day and half phew

so i thought if i post it here iget help but it hasnt come out like it is on the thread

ty

hugs

abg

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wow at last i gave up and went to martins page and done a speadsheet there and now i have a problem

on my cacalations i got £6086 but now i have done the spread sheet and added it up on the auto on martins page it comes to £6924.80

so what do i do now and abbey has got the first figure on there defence so what should i do

tyvm for all your help

hugs

abg

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Yes you just need to put the kind of charge, ie cleared cheque charge (no need to put cheque no) date, and amount as to the no of days since the offence, it will work it directly and also the daily interest that is also worked for you.

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log in on my pc

i have tried a few time to to log opn infact i can log on but it wont let me go into my account

does this mean they have closed my account without telling me i cannot check etc they have asked for my debit card back which i have sent back to them in april

what do you all think of this one

tyvm

abg

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Sounds like they might have done or may be in the process of closing it. I had the same problem myself recently, I was in the process of transferring my direct debits to my parachute account when I found I couldn't log on. When I checked the Abbey said it was because I had closed my account. I told them I hadn't yet as I was just in the process of transferring dd's but they said they had received notification from my new bank that I wanted to close account. New bank denied this but it didn't really matter to me as I was changing over anyway. Have you tried calling the telephone banking on 08459 724 724. Hope this helps!

[FONT=System][COLOR=darkorchid]29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=darkorchid]17.2.07 - Preliminary letter sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]5.3.07 - LBA sent to Abbey[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]28.3.07 - N1 filed at Worcester CC![/COLOR][/FONT] [FONT=System][COLOR=#9932cc]1.7.07 - AQ filed at Worcester CC[/COLOR][/FONT] [FONT=System][COLOR=#9932cc]6.9.07 - Court Date!!![/COLOR][/FONT]

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