anti nowhere punk's thread

[anti_nowhere_punk]

Hi all, Ive just started my fight against abbey so nothing from them yet, but I have two questions,

firstly has anybody actually got any money back from abbey and if they did, did abbey shut there accounts down?

And secondly once you have the imformation and put it all on the spreadsheet, what do you do with the spreadsheet? Do you have to write again making the claim with a copy of the sheet or do they respond with an offer once they have give you the information? Im readin the moneysavers site aswell as this one and Im getting totally confused, im not exactly the sharpest blade in the knife block when it comes to legal/finaincial stuff, so really basic step by step instructions would really help me out.

Thanks in advance.

[Jane Austen]

hello and welcome.

 

You need to start your own thread really - we all have our own. Read through the FAQs and step by step guide. This will definitely help.

 

Look at threads by NeilP and Whizzkid001 if you want to see stories of how people got money back from Abbey. Lots and lots of money!!!!!

 

Good Luck

[alanfromderby]

MOD NOTE: NEW THREAD CREATED - PLEASE POST YOUR UPDATES AND QUESTIONS TO THIS THREAD.

[anti_nowhere_punk]

Thanks for that, I realised after posting my note I should have started my own thread, cheers.

[alanfromderby]

No worries - have a good look through the FAQ's and the Abbey forum, then when you are ready, let us know how you are getting on. Abbey tend to try and make the road as long and bumpy as they can, but so far they have eventually been paying up.

[anti_nowhere_punk]

Ok I have news, I have just searched through all my old files etc and found bank statements dating back to september 2002.

In that time space abbey have charged me £1400 for bounced cheques, cheques and payments made without funds being there and going over my overdraft limit.

So can somebody tell me, do I need to wait for there reply to my first letter even though I now have the information I need, or can I skip waiting for them and now go ahead and start my claim, if I can start it now were do I go from here??

Any help would be greatly appreciated!!

[alanfromderby]

You can certainly start the process to claim back the charges for the period you have - and then when that claim is settled you can start a second action for the older charges.

 

However, the first thing I would advise is a good read through the FAQ's and the step-by-step guide, and a couple of days reading through the Abbey thread.

 

It is vital you fully understand the process and the legislation involved - especially since Abbey play very dirty.

 

Look forward to reading your progress.

[anti_nowhere_punk]

Ill have a read in the morning Im off to work now but hope nobody minds if I keep coming back and asking questions that made be answered there cause Im really finding this stuff hard to understand and I dont wanna mess it up! Just wish somebody could be here with me holding my hand through the whole thing ya know

[alanfromderby]

There are lots of people ready to offer advice and support - just keep posting your progress to this thread and someone will be along.

[anti_nowhere_punk]

Is there a spreadsheet I can use to make a list of all the charges WITHOUT adding on the 8% APR as your instruction says not to add the interest on untill the bank has had time to make an offer, but all the spreadsheets add it on as far as I can tell??

[anti_nowhere_punk]

Yeah I get you, ok thanks

[anti_nowhere_punk]

Ok I cant find my original thread so Ill have to start another, I sent the first letter off to abbey with the spreadsheet showing all charges giving them 14 days to respond and today I recieved the following letter..

 

 

"Thankyou 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 do 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.

 

Although I so not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with."

 

Signed by the head of the complaints department!! I hadnt seen any threads from others who had this letter so now Im not sure what to do, do I wait 4 weeks and see what they say, or should I know proceed with the second letter because this just sounds like BS to me

[Shanks]

I take it that the letter you referred to was your prelim letter requesting the refund of the fees charged. If so, you have given them a timetable in that - stick to it and when the deadline passes move on to the next stage. You might add a line in yor next letter which says "sorry to note that you have decided not to respond to my earlier letter" or something like that just to acknowledge that you were clear and fair in your request and expectations.

 

If you have just sent the dpa letter then you will have to wait for the full 40 days to expire before moving on. Some people have found a short reminder a few days before the deadline is worthwhile, others just let it go and then move on without bothering. Very few (if any) outfits have not complied with this request in the end.

 

Cheers

[anti_nowhere_punk]

Yeah the letter I sent was the prelim, so when the 14 days is up i.e. this friday, just send the second stage letter giving the second 14 days notice and basically act as if I didnt recieve that letter today?

[MARTIN3030]

Must be a new one this............they change tack quicker than a stealth bomber............

 

Yes just proceed with the Lba.

You could actually put a mention within that letter that you recieved theirs and are disappointed to note they feel unable to resolve without an investigation as the charges are very clearly illegal penalties.

 

[anti_nowhere_punk]

That sounds good, ok thanks!

[anti_nowhere_punk]

Thanks

[MARTIN3030]

unlawful....illegal

 

both have same meanings

More importantly the banks understand exactly what they mean

[Janeyh]

Hello Anti,

 

I received exactly the same letter as you in response to my prelim. letter. I didn't bother to respond, just waited till their 14 days was up and sent the LBA.

 

If you read through other peoples threads, you will find almost all of the correspondance from Abbey has been received by someone else. They are just trying to get you to wait in the hope that you will get bored and let the matter drop.

 

Just go ahead with your timetable and ignore their stalling tactics.

 

Good luck

Janey

[andrew1]

unlawful....illegal

 

both have same meanings

More importantly the banks understand exactly what they mean

 

 

Unlawful .... Common law

 

Illegal ...... Criminal law.

 

Bank charges .... Unlawful ! not Criminal ( although it is if you see what I mean !)

 

Your paperwork and letters should refer to Unlawful charges and penalties not illegal.

[Seminole]

Standard Abbey delaying tactics. Their "investigation" is unlikely to find anything.

 

Proceed with the timetable you set out in your letter. Don't allow yourself to be distracted by Abbey's prevarication.

[anti_nowhere_punk]

Thanks people, letter number 2 goes in the post tomorrow!!

[craigycoops]

hi everybody

have been reading all your messages with interest. i sent Abbey my first letter on June 6th and as of yet have no reply, although there is a few weeks to go for my 40 day deadline. i will keep you all informed of my progress and would appreciate any tips and ideas from people in the same situation.

thanks everyone

[lostinparadise]

Hi ANP

Ive received the same letter along with another 2.

JUST IGNORE IT!!!

Stick to your timelines.

LIP

[LordLee]

I am a bit concerened with what i have read above concerning the term 'Unlawful charges' and 'Illegal charges'. As i have already gone through the stage of filing and paying for my claim through MoneyClaim and titled my claimto the courts 'Illegal Bank Charges'.

 

Have i ruined my chances? Deeply concerned now...

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/9589-lordlee-abbey.html