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My charges add up to more than £5,000 -already. Help please!


lknox
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Hi IKNOX

I received an Allocation Questionnaire for the financial claim which is an N150 form.

Gonna fill it out tonight then hand it in tomorrow, i think.

LIP

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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:) Hi LIP

Thanks for your reply. Looks like I got the form for claims that may be considered for fast track. Oh well.

mine's got to be submitted by 3 sept. been keeping an eye on your thread..I admire your tenacity. Best of luck!!

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Hi Iknox

My AQ has to be in by the 4th Sept. Have to wait til 1st Sept when i get paid or just withdraw money from my shABBEY overdraft (now thats cheeky) as its gonna cost £100. Ho-hum.

Thanks for the moral support Iknox, we all have to be extremely stubborn to follow this through, especially with shABBEY.

LIP:D

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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Mr Denham must have me on ignore..no reply to my email.

Maybe he won't take me seriously til I file my AQs - gotta wait til wednesday (pay day) - my fave day of the month

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Correct me if I am wrong but doesnt WITHOUT PREJUDICE mean that your offer of settlement prior to court is now not admisable to the judge?

 

Apologies if this is incorrect but i would have thought you would want the Judge to see that you made an offer to settle out of court?

 

good luck by the way

 

cheers

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Yes that's right.

 

Just my attempt to settle this claim - DLA can take it or leave it!

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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In the small claims pack it says that no correspondence can be shown to the District Judge if it is an offer to settle and is 'without prejudice'. It goes on to say that if you cannot reach a compramise, also put this in writing. This will show your good faith in attempting to settle rather than going to court. Some Judges appreciate this effort.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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  • 2 months later...

Hi, i am new to all this so a little confused!! I have started a claim with the Abbey to claim back my bank charges. I recieved a letter back from them with statements from the last two years and then the rest were on micromeche which i didn't really understand? What do i do now? I realise i need to write down all the charges but is there a template for me too take this one step further as i am crap at writing letters!! Not sure where to turn. PLEASE HELP

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Hi Sarah

 

It would be best if you start your own thread, then we can follow your story and offer help when you need it. Otherwise you might find that your questions get buried.

What stage are you at? Have you sent your SAR letter ? With the £10 fee?

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html. Once thats done, Abbey have 40 days to supply the info.

 

Read the step by step guide. This is really important and will tell you everything you need to know.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

Don't worry about writing letters, you will find all the letters ready prepared in the library. Yes, you will need to fill in a spreadsheet (also available in the library), but make sure you are clear what you are doing before you start - and presumably, if you don't have all your statements yet you aren't quite at this stage.

So, begin a thread, post questions there and people will help. In the meantime, have a read through some threads and the faqs. It's all time well spent. Good luck! x

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Hi Iknox,

 

Found myself in similiar situation, charges amount to over £9,000 and that is without interest! My plan is to go for the whole amount unless anyone can suggest a better route?

 

M

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Hi Iknox,

 

Found myself in similar situation, charges amount to over £9,000 and that is without interest! My plan is to go for the whole amount unless anyone can suggest a better route?

 

M

 

Its a good idea to start your own thread before we hijack this one, but at 9K plus interest you may find yourself in multi track.

 

do you remember the film ghost busters? If you do multi track is like crossing the photon streams, really really really bad!!

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Glenn

 

Thank you for your advice, I have started own thread now, sorry for hijacking this one, I have one quick question if I may - what do you mean by mulit-track and why is it that bad?

 

Marc

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Small claims typically no or very limited costs

Fast track costs generally restricted to a max of 750

Multi track unlimited costs i believe

 

So if you end up in multi track and loose then everything is up for grabs, house, car whatever.

 

If you go multi track then you need to be very confident of winning or have some kind of insurance for covering the potential costs.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Anney

 

Fast track is claims 5 - 15K however, if you claim contractual interest on charges of 9K then its quite feasible to end up with more than 15K worth of claim.

 

Depends on the age of the charges and the interest claimed of course.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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