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can someone advise?????


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Hi

I have been reading al he threads with interest but none of them answer my question!! I am at the last stages of claiming, however the 'Abbey' took one of my letters as a complaint and are fobbing me off with nonsense letters that don't really say anything. What woul be better to do now?

1. write to them and threaten I will take action?

2.go to ombudsman?

3. Forget the above and apply direct to the court?

Or do I need to do all three

Can someone helllllp this is driving me mad

 

Many thanks in advance:?

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How far into your complaint are you...exactly? Have you filed N1.....AQ.... do you have a court date? More detail please!!

 

Also, what was in the letter they have taken as a complaint?

 

It would be good if you could write out a bit about the history of your complaint on your thread.....that way people know where you are at and are much more able to help!!

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sorry bout that I will try to give details now, basically I wrote to Abbey requesting the money after they had sent my statements through, I just wrote to express my concerns that they were taking longer than the 40 days to get my documents in the first place adn that if i didnt receive them I would take advice from information commission!

so far I have received statements, written to request my money back, and now it is stale mate as they keep writing letters saying they are dealing with my 'complaint' and it will take 4 weeks, and then another 4 weeks! so I havent got to the point of court yet, as I am not sure how to respond to them, does this make more sense to you?

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yes this is common delaying tactic by the bank if you have sentthe prelimary letter whcih gives them 14 days to resolve your complaint then the LBA which gives them another 14 days them issue your court claim thats the timetable to stick to not thiers

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sorry to sound so thick but are you saying dont threaten them withombudsman or any thing just go straight to court?? do I have to let abbey know this? this is all getting complicated and scary:-?

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Good advice from Michael spotty - I took it from your first post that you were much further on than you actually are.....you did say last stages of claim?

 

Read the bits Michael has suggested. Send the letters and stick to your timescale......not theirs. They will continue to give you the runaround.

 

Shout for help when you need it.

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LBA is "letter before action", which should be the 2nd letter you send,14 days after the first one asking for you money back. see post #6

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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thank you charleyfarley! not forgetting i am slow hoe do I find post #6? I am not very good at threads etc! obviously I need to learn a lot which makes me wonder if I can get some conclusion to getting my bank charges back!! you all seem so 'on the button' I am totally disconbobulated!!

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made me laugh so much.....discombobulated is one of my most favourite words but hardly anyone knows what it means....I know exactly!!

 

once you've sent the LBA they have 7 days to respond......after that you file your claim. search out the N1 claim form in the bank template library so you can get things prepared. you can either file at Moneyclaim online (MCOL) or take it to your local county court...this is usually a bit quicker...not much though. you will have to pay a fee depending on the size of your claim - mine was £120.

 

do a search for 'particulars of claim' as it is important to use the correct wording. you will also need to do a spreadsheet of the charges you are claiming - again, in the bank template library (this needs to be attached to your N1)

 

if you get stuck - just yell!!

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  • 4 weeks later...

Hi guys, its me again!! lots of questions....

1. I received a letter from the bank offereing me £200 as a good will gesture, the amount I was claiming was £5000 with interest! I have read and watched the info on the site but there are several letters I could send, would be grateful for help here! need clarity on what to do pretty please!!

2. why would they offer such a low amount and should I ring them first or send the letter

3. court does actually scare me as I really dont know what I am talking about as I am sure you can tell!!

 

I basically just want to scream, nothing in my life is ever straight forward and this is the icing on the cake!

 

thanks in anticipation of any replies

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hi spotty

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

letter #4 is the one ur looking for.

 

the court action does look and seem scary but once you actually follow it step by step it's a walk in the park.............read on the A/Qs and threads and you'll do ok.

 

good luck

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Hi Spotty

 

The letter you need is from here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

It will be letter 4 from here if you not yet filed your claim, or letter 5 if you have. Sorry, I couldn't see on your thread if had submitted yet.

 

Check your bank account to see how much they actually credit - sometimes they cancel future charges, which are obviously not on your schedule, so you should only deduct the actual refunded amount from your claim.

 

The amounts they offer seem to be pulled out a hat - there is no rhyme or reason to the amounts, and they bear no relation to the value of your claim whatsoever.

 

Court scares the pants off me too - but not any where near as much as it scares Abbey!!;):D

 

I have not had an easy ride either, and without CAG buddies I would have crumbled long ago. That's what is so fantastic about this site.

 

So stick with it; with the support and advice here you will be fine, and you will get your money back!:)

 

Very best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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After all that, einyuk beats me to it - I will have to get faster at this two-finger typing lark :D

 

See, told you there were great people on here!

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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thanks both of you!!!! actually found the templates all on my own!! so will send it off tomorrow and see what he shabby have to offer e then, I guess if i get all da money I owe you lot a drink!!!!

will keep you posted!!! dont hold out much hope though cause they ar already frightening me!!!

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just one (more) question can I ask for interest when I am sending LBA?? cause I have!!! but read on some of the threads that I shoulldn't do that! blimey am I going to be in trouble??

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Hi guys, its me again!! lots of questions....

1. I received a letter from the bank offereing me £200 as a good will gesture, the amount I was claiming was £5000 with interest! I have read and watched the info on the site but there are several letters I could send, would be grateful for help here! need clarity on what to do pretty please!!

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

number 6

2. why would they offer such a low amount and should I ring them first or send the letter

GOGW's follow no set pattern....accept the money and carry on

3. court does actually scare me as I really dont know what I am talking about as I am sure you can tell!!

 

court scares us all..............one of us will come with you if it ever gets that far

 

I basically just want to scream, nothing in my life is ever straight forward and this is the icing on the cake!

 

scream away hun!!!!!!!!!!!!!

 

thanks in anticipation of any replies

 

cf

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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just one (more) question can I ask for interest when I am sending LBA?? cause I have!!! but read on some of the threads that I shoulldn't do that! blimey am I going to be in trouble??

 

Hi - its me again!

 

No, you shouldn't have asked for the interest in the LBA; you are only entitled to claim Statutory Interest once you submit a Court claim.

 

However, it is not a major problem - lets them know how much extra they will have to pay out.:D

 

I think you could rectify this by adding a paragraph to your rejection letter. This is my own compilation - so if anyone thinks its pants and could do better, feel free!;)

 

I realise I may have mislead you somewhat ;) in my previous correspondence regarding the 8% interest; what I should have made clear was that this would be the figure, accruing daily, that I would have to add to a Court claim, should you force me into commencing legal proceedings against you for the reimbursement of unlawful charges.

 

See what you think.

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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