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deedee1310 v Abbey


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Dear All.

 

I am new to the forum and am about to proceed with reclaiming my charges from Abbey. I skipped the SAR part as I have all my statements.

 

I had two accounts with Abbey National and I'm claiming charges on both.

Do I have to put the claims in separately for each account or should I claim for both accounts together?

 

Also can anyone confirm the address for which I need to send my preliminary letter? I have found this by searching various threads:

 

Antony Turbitt

Manager

Banking Services

Customer Servces (Banking)

PO Box 297

Bradford

BD1 1BR

 

0161 951 6500 or 08459 724 724

Fax: 08459 670 671

 

Are the above details correct?

 

Your help with this would be greatly appreciated. I look foward to hearing from you all shortly.

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Do I have to put the claims in separately for each account or should I claim for both accounts together?

 

Also can anyone confirm the address for which I need to send my preliminary letter? .

 

From What I have seen in this forum, I would suggest that you deal with them separately preferably one at at time. You can send your preliminary letter to

ABBEY

Complaints

P.O Box 5129

Milton Keynes

MK9 2YN

Andy

'Don't get angry, get even'

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Dear All.

 

I am new to the forum and am about to proceed with reclaiming my charges from Abbey. I skipped the S.A.R - (Subject Access Request) part as I have all my statements.

 

I had two accounts with Abbey National and I'm claiming charges on both.

Do I have to put the claims in separately for each account or should I claim for both accounts together?

 

Also can anyone confirm the address for which I need to send my preliminary letter? I have found this by searching various threads:

 

Antony Turbitt

Manager

Banking Services

Customer Servces (Banking)

PO Box 297

Bradford

BD1 1BR

 

0161 951 6500 or 08459 724 724

Fax: 08459 670 671

 

Are the above details correct?

 

Your help with this would be greatly appreciated. I look foward to hearing from you all shortly.

 

Hi

 

You need to send to:

Abbey

PO Box 382

Prescot Street

Lomdon

E1 8RP

 

I have been through this and am now waiting for a court date, let me know if I can offer you any help or advice on anything and GOOD LUCK

 

Simon:)

:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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Preliminary and Letter Before Action

 

Antony Turbitt

Manager

Banking Services

Customer Servces (Banking)

PO Box 297

Bradford

BD1 1BR

 

0161 951 6500 or 08459 724 724

Fax: 08459 670 671

 

Also

 

Pam Speed

Business Manager

Banking Services

Abbey

PO Box 1109

Bradford

BD1 5ZJ

 

Tel:- 08459 724 724

 

Fax:- 01274 369178

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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HELP!!!

 

Have just finished the painful process of going through my Abbey statements and lisiting all the charges. I have printed my prelim. letter and charges spreadsheet, put it in the envelope and sealed it.

 

Then it occured to me - as both accounts are closed, can I not go back 6 years from when it was closed??? For example one account closed in 2005, can I not claim back to 1999? The other closed in 2002, can I go back to 1996 (in fact to 1999 when account was opened)?

 

PLEASE HELP. For the second account it actually makes a BIG difference to the amount I'm claiming back.

 

Your answers as always will be greatly appreciated!!

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi deedee1310,

 

You can go back as far as you like however if you go back further than 6 years be prepared for a fight. You will need to read up on this process and understand the arguements around limitation etc.

 

For starters have a read through these threads if you haven't already:

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

http://www.consumeractiongroup.co.uk/forum/general/3598-do-you-have-charges.html

 

I will help out whenever I can. However I am not on here as much as I used to be.

 

Tanz

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Hi deedee

 

I don't think it makes any difference if the accounts are/when they were closed, but like Tanz said make sure you do your research and prepare all your arguments so you are ready for whatever they throw at you:D

 

I have not tried claiming over 6 years yet but am in the process of getting hold of some old Natwest statements so will be beginning on this journey soon.

 

Good luck and I will help you out whenever I can.

 

Brownie24:)

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I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

 

The letter reads as follows:

 

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

 

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

 

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

 

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

 

· Abbey does not charge you to investigate your complaint

· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review

· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

 

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

 

Yours sincerely,

 

Andrew Nanson

Business Manager

Enc. Complaints Leaflets

 

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

 

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

 

Bring on round 2!!!

 

:grin: :grin:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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  • 2 weeks later...

Hiya dee

 

Hhttp://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html

 

aw poo am no good at posting links!

 

Anyway, it basically says that yes you do have to add CI at the Prelim stage, but if you haven't and you decide you want to, then you can, providing you start the process all over again!

 

And also, you cannot then claim statutory interest on top.

 

Maybe that might help a smidgeon? :)

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Thank you love. Not sure about not being able to claim the 8% bit though.

 

I have Mindzai's POC and he asked that unauthorised, authorised and statutory interest were considered by the court. However, Lloyds settled and he won the full amount with contractual interest. http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/26172-mindzai-lucid-lloyds-tsb.html?highlight=contractual+interest

 

I have seen various POCs like this

 

However I will leave Abbey as it is. I have gone for CI with my Cr*p One and Halifax Claims. Just need to update my posts (and start the halifax one) :-)

 

Thanks Jo for coming to join little ole me here. I seem to be in everyone else's threads except my own. :D

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi dee

 

You are not alone, the CAG is with you! Complete your jedi paperwork and you will have the power to overthrow the Evil Darth Abbey.

 

Hope you've seen Star Wars dee, I haven't gone doolally honest! If I can help just shout but I know sod all about CI, sorry.

 

and remember dee, the CAG will be with you always!

Simon

 

PS No I'm not p****d either!

:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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Thanks Simon. :)

 

Yes I have watched Star Wars (more times than I can remember)!

 

I have left my claim as it is. shAbbey have until after the post has come next Tuesday morning. If not my LBA will be winging it's way over to them on Wednesday morning. :D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee

 

That's the spirit. keep it up. Which is your favourite SW film? I just can't choose between Empire and Revenge of the Sith, Yoda is just sheer class.

Spk soon

Simon

:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

 

The letter reads as follows:

 

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

 

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

 

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

 

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

 

· Abbey does not charge you to investigate your complaint

· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review

· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

 

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

 

Yours sincerely,

 

Andrew Nanson

Business Manager

Enc. Complaints Leaflets

 

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

 

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

 

Bring on round 2!!!

 

:grin: :grin:

 

I too recieved this letter I replied as follows

 

Andrew Nanson

Business Manager

Banking Specialist Team

Abbey

PO Box 5885

Milton Keynes

MK10 1FA

** June 2007

Dear Andrew

I acknowledge your letter of ** June, 2007 in which you enclose a complaints leaflet. I do not feel it necessary to re-quote my letter dated ** May, 2007 as I am sure it will be on your records. I would however comment as follows;

1. You are the third department that I have dealt with and as yet I have not received the full information that I requested originally on the **April, 2007 a period of 54 days or seven weeks five days ago.

2. Your companies’ failure to adhere to the request under the Data Protection Act Disclosure Request is reportable to the Information Commissioner’s Office and makes you further liable to court action.

3. That I gave you seven days to disagree with the amount to be refunded in my letter dated ** May, 2007. This has not been disputed within the allocated time and therefore that you agree to the amount to be refunded. You state in your reply dated ** June, 2007 that “I do hope to find a solution that you are happy with”. This, of course, will be a settlement of the full sum stated in my letter ** May, 2007.

4. That within your own leaflet on complaints you state

“We promise to

send you our final response within eight weeks of your original complaint to us, or write to you explaining why we haven’t completed our investigations and when we will have done so.”

I refer you to point one within this letter and the time frame so far. This then leaves you until the ** June, 2007 to avoid an investigation by the Banking Codes Standard Board for failure to comply with the complaints procedures enacted under Parliament in December 2001, and further investigation by the Financial Ombudsman Services for this same failure, both of which I feel apply to this case and thus will be instigated, if necessary.

5. Further, I gave you fourteen days, from ** May, 2007 to refund these monies or face legal proceedings. This still stands and thus gives you until ** June, 2007 to comply.

Although I have not heard another thing!!!

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They're ridiculous aren't they? :mad:

 

My preliminary letter deadline expires tomorrow. I have my LBA ready to send. I'm feeling quite ungenerous so will probably will send it tomorrow instead of on Wednesday.

 

They never accorded me any courtesy whilst I was with them. I paid off a £2000 overdraft, only for them to add charges to my account and default me - the bar stewards. They were swallowing up my Tax Credits money, wages and bouncing my DDs even if money was going into the account on the same day.

 

So pah - LBA goes off tomorrow. :mad:;)

 

When did you send your LBA?

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee1310

 

I sent my letter giving them till the 14th June to respond, got nothing, not even had my statements I requested in April!!!:mad:

 

Am going to do the N1 Form this week! :grin:

 

I still have an active account with them with the overdraft maxed to I sent them a letter telling there debt recovery team to deduct the overdraft and send me the money!!!:eek:

 

Hows yours going??:)

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Hey Salesman,

 

They responded next day with fob off letter after receipt of my Prelim letter but not a peep from them since. LBA goes off today! :D :D

 

I can't believe - actually yes I can, that you haven't received your statements yet. My saving grace is that I have a whole lever arch folder dedicated to my shAbbey statements. I never realised how handy my filing would be! :D The only thing I haven't kept very well is old T&Cs. I happily chucked a lot away during a tidy up. Doh!

 

Have you called the bar stewards yet? Advise them that they will be receiving an LBA and that you will continue on to court action (this is no idle threat), as they are in breach of their duties under DPA 1998. You never know, it might work. :rolleyes: My CAG mate Dusary did this (see post 149) Dusary v Bank of Scotland, flipping hilarious. Play hardball - no kindness is allowed.

 

I'm so stoked to be sticking it to shAbbey!

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi dee

 

Hope your ok....Get that letter in the post and sod em!!!!

 

Simon:)

:)IF YOU ARE BORED WITH LITTLE TO DO:)

My Story - Simon -V- The (SH)Abbey - :!:WON / 19 November 2007:!:

 

SKY TV and the penalty charge - how far will it go?

 

Me V Its4me and Close Premium Finance:!:WON / 28 November 2007:!:

 

IF I CAN HELP, I WILL, IF I DO, THEN PLEASE CLICK ON THE SCALES ON THE LEFT

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Hi Simon.

 

loved your little ditty on your thread. I'm so sorry that Abbey are charging you again. I remember when I was compiling my charges it made me so angry! There were months when they would charge me over £200 in charges. Some months I didn't even make that money in wages. At one point I was working to pay off the charges induced overdraft and struggling to live on my Tax Credits - oh the bad old days with shAbbey :mad:

 

Fast forward to 2007. I'm still here by God's grace. My credit is pants but I'm owed so much money by my banks I don't care about credit!

 

God bless you and sleep tight.

 

No doubt we shall both have a new instalment to add to our shAbbey saga.

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I screamed with delight not quite ten minutes ago! The source of my joy? I have just got home and amongst my post were 2 letters from shAbbey National!

 

The letter reads as follows:

 

Thank you for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

 

One of my team will be responsible for investigating your complaint and I have enclosed our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

 

I know it is important to you that we resolve your complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. (Hmmm – I don’t think so)!

 

If you have employed someone to handle your complaint on behalf, please note: employing a third party complaint-handling firm, or a solicitor, or financial adviser does not affect how we review your complaint. Please be aware that

 

· Abbey does not charge you to investigate your complaint

· Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review

· Abbey, in general will only make payment directly to the account holder(s) if your complaint is upheld and redress is due.

 

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. (Try giving me the £3000 odd you owe me fools)!

 

Yours sincerely,

 

Andrew Nanson

Business Manager

Enc. Complaints Leaflets

 

I'm shocked that they replied to me the same day as they received my letter. I addressed it to Antony Turbitt (poor thing - NOT).

 

I know that it's a standard letter but it's the speed of the response that has delighted me. It might take them four weeks but their 14 days starts from today.

 

Bring on round 2!!!

 

:grin: :grin:

 

Hi Dee Dee I'm at the same stage, i received two of the above letters in reply to both my LBA and I'm just sorting thought all paperwork to go with the N1 for court action. Just thought i would say............

Good Luck To U

Loz

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Hi deedee :)

 

Did you start your new job today, and if so how was it? Was thinking of you earlier, and hoping you were doing okay.

 

Also, did you send your LBA? I hope so :D !!

 

Best wishes

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Hi Jo and Salesman.

 

No I didn't send LBA today :mad: . Was going to, then checked it this morning and realised my spreadsheet was missing a few charges and interest payments. As I was rushing to get a letter typed for my daughter's school and not wanting to be late for my new job, I had to leave it.

 

I'm not surprised really it was the first claim I started. Looking back at my first posts on this thread, I realise how much I have learned. I have good Excel skills but was a little apprehensive at first. It is because I have learned so much here, I can see what is wrong with my spreadsheet. However, I am not unduely concerned as it the spreadsheet used with a court claim that counts. :D

 

So - inbetween reading over threads, surfing the net and finishing my dissertation, I will be amending my spreadsheet! LBA will be going out tomorrow by Special Delivery. :p Abbey have not responded since fob-off letter so no surprise there really.

 

Thank you Jo for thinking of me today. I had a great day at work and hope to find my feet really quickly. Salesman thank you for your words of support. Believe you me - I'm gunning for Abbey big time.

 

To you both - any news on your claims yet?

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi again deedee

 

Hey, I had nothing else to do today except think of you ;) !

 

No seriously I really was thinking of you and wishing you well.

 

Glad you checked your spreadie - I did exactly the same on Friday morning and found an error - eek! - but changed it, and handed it in with supreme confidence (?).

 

I am waiting for the Court to notify me with the date deemed served, or whatever the legal phrase is, so I am just twiddling the proverbial thumbs at the moment!

 

So pleased your first day was good - success in everything is on your side now. :)

 

Post that letter tomorrow - and hopefully in a couple of months we can all sing "We are the Champions" together?

 

All the best

 

Jo xxxxxxx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Hi Deedee, been following ur thread. You have come a long way and keep going stay focussed and ur reward will come soon. I would suggest that u start getting familiar with the next stage (read up a few threads) . I have been doing that so that ass soon as that the time comes at least I have got an idea. Looking out for u and fingers x

 

Kiddo

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