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bowkett v Abbey National


bowkett
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it was killing me too, a little disapointed that it wasnt from Abbey, BUT, it was from Tesco, a nice cheque to refund my bank charges!! Bit late though I already sent in the bailiff warrant he he he. I suppose I will have to call the court tomorrow to let them know I have part payment now.

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I think it depends how busy your local court it. I have two AQ's for Abbey in. The first one was due in on the 26th August. DLA returned theirs late and it is with the district judge at the moment. My other AQ was due back last week and I've heard nothing yet.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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  • 2 weeks later...

Nothing yet Bowk.

 

However deadline for my AQ was 22nd Sept so I guess I won't hear from the Courts for at least another 2-3 weeks minimum.

 

When DLA submitted their AQ into the Court bang on the deadline they also sent me an offer of 80% to settle my claim including all costs and interest to date. (Rejected of course :D )

 

Launching my second action against the Abbey on Saturday after I dug out my statements from 1996-1998. Limitations Act doesn't apply as they are concealing the issue being contended. Claim in total comes to £2500!! Nice.

 

Keep your progress up-to-date Bowk and speak to you soon.

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Nice one!! I havent heard anything yet, I am getting impatient, again :-) My AQ went back on the 7th September and I still havent heard a peep, DLA are very quiet too, they never once replied to my emails and letter declining the 50% offer. All good things come to those who wait eh!

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From all the other posts that tried to get a settlement from DLA prior to AQ submission met with silence, I thought I'd be wasting my time so just filed mine without giving them a settlement deadline prior to AQ submission.

 

It's very much a waiting game now and if it gets to a preliminary hearing or if the Judge agrees to what was requested by us in the way of disclosure of what their true costs are then I am damn sure within a fortnight of that order we will have a 100% offer.

 

Lets face it, if they defend their action by saying that it is a true reflection of their costs, the calcs must have already been done. So what is the delay and reluctance of the Banks to disclose them. They know they are in the wrong and are well aware of concealment!! :D Hence the limitations Act does not apply..... wheeeeeeeee!!! EasyPeasy Savings schemey!

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Ha ha...... how'd you guess Bowk :D

 

Sort of a trip down memory lane really......... I'm sure I have other statements..... :D

 

Def getting into swing of things. I have been waiting 5 years on another issue as the Claimant with a company I helped set-up 7 years ago regarding Share Options. The Defendants are having a very much last gasp appeal in the Appeal Courts in London 3-4 November 2006. If they lose....... which they will...... it means a major six figure and costs settlement figure and if I win..............:D

 

Case was heard in the High Court where I had to give evidence and be cross-examined numerous times before the Judge ended proceedings early and told the DEfendants to sod off after having a right legal rip into them over the hgopelessness of their case and their competance as Directors in an international company and their legal team as not having a case to answer!!!

 

REmember I had lost my other half last year and pet dog Lui, spent over 200K of my own money in costs......... I think you get the drift?

 

I smiled and cried after that hearing that day!!

 

So this is small fry really Bowk but proudly doing this on my own without solicitors and counsel but with the fab resources and assistance of this sight of all involved. It still requires you know what you should do next though..... hence the sites insistence that everyone should read the FAQ's first. :-|

 

Hey....... and its fun to take on the so-called "big guns" who we are now finding have very small bullets and fire blanks!! Tossers! :D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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WOW, Gosh Steve, yes I remember, I am a great believer in what goes around one day comes around. Some times it takes a long time for justice to be done, but be done it will, in one way or another. Shame sometimes we loose peeps who we love and they cant be with us to see it, you can bet that they are still rooting for us though :-)

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LOL Yes I can probably imagine what she would be saying right now......... "Jammy Piers Morgan!!" and my dog "Arfy arf Biccie!" :D

 

Cheers Bowk

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Excellent thread,..Good explantion into the process ,Not far behind you Guy's so will be watching this closely(ready to send LBA letter for refund of charges )So another 14 days after wednesday coming & its off to file my claim with the courts,..Not really bothered about the wait the longer the better,..Well at least this christmas will be special with around £5k plus 8%interest off the abbey,..Will be feeling like a kiddie does come december and ready for the settlement,..:p ,Best of luck to all who are still fighting the fight Mx.

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OOOOOooooooooooooooooooooooooooooooo!!! Guess what?

 

Just got a letter from my incredibly efficient Court telling me that my actual Hearing date for the claim is 20th December 2006!!!!!

 

Start sweating DLA............ this isn't the Allocation hearing or a Pre-Lim, this is the full monty!!!!! :D

 

Whhhheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!!!!!

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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LOL........... :p

 

This is why I keep my comms as brief as possible. But on the other hand you may get a settlement quicker than me :D

 

Hang in there Bud......... after all a few more quid interest eh?

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Well, being the impatient person that I am I rang the court today. The lady told me that they didnt submitt the AQ until the 22nd of September, deadline was 7th! I cant believe they are allowed to get away with these things! Anyway, the directions have come back from the Judge and I should get them any day now, she couldnt tell me what they were as they are being processed, but I should get something by the end of the week.

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Jeez!!!

 

The arrogance of Abbey and DLA eh?

 

Still please post asap what you receive in the way of the response from the Judge and your Court dates and type of Hearing to.

 

Good luck Bud ;-)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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:p Hi Bowkett and All :p

 

I have read with GREAT interest your thread - VERY INFORMATIVE!

 

I received today the first standard letter from Abbey enclosing their complaints leaflet. I was unsure of what to do so looked on here...... Looks like I have a long way to go before getting back my money though :(:mad::(

 

I couldn't believe it when I got to the end of the thread and its still not sorted.... was like reading an excellent book but the last few pages are missing!!! :eek:

 

Really Really eager to hear what happens.......

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Hello all, I have registered today after reading all about the banks' ridiculous charges at moneysavingexpert.com

 

Thought it was only me who paid these charges all the time! The problem I have is, I dont really know how much the bank has charged me over the last 5 years. Do I request all my previous bank statements over the last 5 years? Do I set up another bank account? Surely they will have an idea as to why I am requesting my previous statements?

 

I have two bank accounts with Abbey, one in my name, and one in a joint account with my ex partner, both have overdrafts (£1350). I also have a loan with them for £10,000. I'm scared they will close my accounts and demand I pay them the overdrafts back!

 

Not really sure where to start, have been reading this site for the last 2 hrs, giving me headache, but feel that I have been ripped off by my bank and credit card company (MBNA).

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its ok tt, first you need to start your own thread, that way people can follow you and have the whole story so far if you need help. read around abit more and you will soon feel alot more confident. first start with an S.A.R ( subject access request letter) which asks the bank for a list of charges,. unauthorised overdraft fees etc and gives them a time limit of 40 days to respond. you wil find this in the bank templates library. they will probbly send you the standard microfiche letter which says that you can have so many statements but that the rest are on microfiche and that it will cost you 10 pounds to get this data. this is a standard letter. write back to them enclosing your 10 pound payment. that will do for starters. meanwhile have a good look around this site and you will get a good idea of where to go from there. the bank templates library has templates of all the letters you will need and just need tweaking for your own circumstances. hope that helps :D :D :D

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Hi Bowkett,

I have just received the same letter today, re: 4 weeks to investigate complaint. Did you acknowledge this letter before you sent lba letter? Not really sure what to do? My next letter due to go out monday coming. I am sure I have read ages ago a letter of response but cant find it now.

Fiona

8) FoxyFiona

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Hi folks, sorry to miss you all! I didnt get any mail about these posts :-(

 

Hang in there Town Terrier, I am a Huddersfield fan myself and know what you folks are like! I felt exactly the same as you, will be keeping an eye out for your thread. If you have all your statements then you can send the first letter, if not send the SAR request as chilli states. It gave me a headache too when I first found the site!

 

Mandarin, keep to your timetable, do as Karnevil suggests to Foxyfiona and all will be fine. ;)

 

Dont be put off by the timescale of things, it is well worth it, I had my first payout only a few weeks ago from Tesco Personal Finance, dont forget to make the donation when you win, not if, but when :D

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Well...... here's the latest Bowk

 

 

As from Monday 9th October, DLA will no longer be acting for shAbbey!!

 

Awaiting further bulletins!;)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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whats that all about then?? Does that mean they will pass our cases over to a new solicitor? or will they se them through?? I can se this getting messier by the day. Have you sorted your christmas dilema out yet?

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Cases will automatically transfer to the new boys. However until DLA get back to me hopefully today I can't say whether they will be shipping all their cases to the new Sols or finishing the ones that have Court Dates and sending the others plus new business to the new boys.

 

Xmas dilemma has now been sorted and am getting the Judge to try my case in abstentia providing I send in the Court bundle in on time.

 

This makes it very dangerous for DLA/NewBoyz to get to me an out-of-court settlement and for it to be accepted.

 

I'm so glad Abbey are choosing to be the first bank to go to court and argue their case that the charges levied are lawful and accurate!!

 

Yeah.... right!!! :D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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