jmsterious vs Abbey

[jmsterious1952]

Firstly, thank you to Reka and Deedee1310 for their warm welcomes to CAG in Reka's thread! I am sure before long I will need help with my claim and know where to come!

 

I have followed the CAG guide to reclaiming bank charges of £3641.50 plus £850.09 interest, totalling £4491.59 (as at 24th May 2007) from Abbey.

 

I have today received a letter dated 13th July 2007 from Susan Anderson (Senior Customer Resolution Manager) saying she is HAPPY (really???) to refund £693, which includes cancellation of charges yet to be debited from my account, as a gesture of goodwill. The account will be updated within the next 10 working days.

 

I incurred additional charges in June which I intend to add to my claim as they fall within the 6 year time frame. Abbey were going to deduct another £80 in July which I assume are the charges they are cancelling.

 

I am going to use one of the template letters on the site to accept the goodwill gesture as a part payment but informing them that I am still going to pursue the balance of my claim.

 

My question now is do I go through the FOS which I know is now an alternative to the court action or will I get a better response from Abbey if I start the court action? I can use £120 of their goodwill gesture for the fees!

 

Any help/advice very welcome to collect the rest of MY money from Abbey!

 

Many thanks

 

June

[Lula]

Hi June, it is really up to you, read up on a few threads and see how it all happens, when you compile your spreadsheet , when (if) they credit your account with the money that they say will be refunded then take them off the bottom of your spreadsheet in the form of a minus so that it takes it off and gives you a total figure

[jmsterious1952]

Hi Lula

 

Many thanks for your speedy reply - you are much quicker than Abbey

 

I used a spreadsheet from another site for my original figures but I note that there is a better one on this site so I am about to transfer the information over to that.

 

I feel as though I am over the first hurdle in that Abbey have actually acknowledged my "complaint" now and their part payment will make life a little easier this month.

 

I have also received a new cheque book after ringing to see if there was a problem. I normally receive a new one before the old one runs out, but not this time!

 

Thanks again and take care

 

June

[Lula]

June, its not a problem, we seem to do alot of repair work from other sites, whilst they are very good up to a certain point, we can take it further, and as regards cheque books, Mr Lula has been waiting for a new multifunction card since the end of June and he is what they would term as a model customer

[jmsterious1952]

Just a quick update!

 

I went online today to check my Abbey balance and they have refunded 13 x £30 charges and 5 x £35 charges totalling £565 of the goodwill gesture they wrote to me about on 13th July.

 

I am going to pursue the balance of the charges via the FO. I've updated my spreadsheet to include further charges incurred in June and will deduct their goodwill gesture from the total.

 

I'll keep you informed of any further progress.

 

Good luck all.

 

June