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tokyou vs. Abbey

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Hi, we have two separate claims against Abbey for two separate accounts.

Claim 1 - Requested 330.00 on 26 Feb, received response on 7 April 2007 refusing point blank


Claim 2 - Requested 563.00 on 26 Feb, received a Goodwill gesture offering 70.00 on 3 April 2007.


I'm seeking advice on pursuing these claims. We were initially scared off by the responses but have today received a full settlement of 570.00 on a third claim with Natwest. This has reassured us (I know it seems silly to have been scared off when everything on websites like this tells us we are right to push for refunds but it is very intimidating dealing with the bank).


Any advice on how to pursue the Abbey claims? Should we issue court proceedings immediately? Send a Letter Before Action?


Does anyone know how the fact that we have taken no action in the time since receiving the rejection and goodwill gesture affects our claim?


Thanks for your time,



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Hi tokyou


It's your calim so the timescale is yours! I'd treat what you've done so far as the prelim letter, send them a letter before actionnext and give them 14 days to respond, then go on to the court claim.

Have a look at the step by step guide, come back here and post your progress, there's always someone here if you need to ask questions or just want some moral support! http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Good Luck!

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