thank you elizabeth for th e welcome have alredy started my own thread and just reading and subscribing now whilist awaiting information from shabby http://www.consumeractiongroup.co.uk/forum/abbey-bank/57977-newbody-abbey.html#post485027

I would believe it is up until the date of settlement as the argument is that the bank has borrowed this money from you and havent repaid it therefore the intrest is accuring on it until they settle as it is your money they have borrowed irrelevant of the fact the account is closed Please note these are my views and opinions only and i am not a Legal Egale just another user of this site So if i am wrong please tell me i am

just started my proceedings against abbey http://www.consumeractiongroup.co.uk/forum/abbey-bank/57977-newbody-abbey.html#post485027 couple quick questions after reading some of the other threads on here i notice defaults have been issued against people while they have bought action against the banks Would i be correct in assuming a default is when you exceed your credit limits i.e unauthorised over draft and any instance where you have had payments returned unpaid How do you know if you have had a default against you would a request under a normal S.A.R - (Subject Access Request) (used the standard letter from here) include any defaults lodged against you on it Where would the best place be to find out what defaults i have against me and what cost would i look at to find out this information As i am viewing it for now start stock piling the ammunition as a fight is on the way so it is nice to have as much information to hand so you are ready for their responses

Ok letter in the post couple quick questions after reading some of the other threads on here i notice defaults have been issued against people while they have bought action against the banks Would i be correct in assuming a default is when you exceed your credit limits i.e unauthorised over draft and any instance where you have had payments returned unpaid How do you know if you have had a default against you would a request under a normal SAR (used the standard letter from here) include any defaults lodged against you on it Where would the best place be to find out what defaults i have against me and what cost would i look at to find out this information As i am viewing it for now start stock piling the ammunition as a fight is on the way:D so it is nice to have as much information to hand so you are ready for their responses:) :)

just subscribind as i am just starting against abbey

just subscribing as just starting my claim agaist abbey shambles

now subscribing just started my claim off http://www.consumeractiongroup.co.uk/forum/abbey-bank/57977-newbody-abbey.html#post485027 so just getting data at minute but i will be looking at going back past the 6 yr mark as well with my claim

Totally agree with the thought of a forum/thread related to these issues

Total agree on a forum for benifits weather it be overpayments or what you are entitled to friends are haveing a nightmare with WTC as the goverment claim to have overpaid them last fiscal year but not paid them nothing but emergencey payments this year until they sort it out also the way things like job seekers figured out i am currently unemployed in reciept of contribution based JSA so i am not entiteled to fress school meals etc for the kids according to the social but if i was on income based JSA i would be what is the difference you ask at the job centre they dont know tell you to ring the JSA and they dont really giver you an answer either

intresting to see how you go as intrested in how the LA situation pans out just subscribed to this thread

Ok update time havent phoned abbey or anything else yet recieved in the post this morning this Now the way i read this is they are sending me all my account information for the last 6 years without arguing the microfiche Stance on it My argument now would be that my account dates back to 1994 with Abbey so i want all the information to the account though at the minute i am only going to be claiming for the last 6 years in seperate cases as i believe the figures involved are going to be ridiculous even for this short period of time (what can i say i am a banks dream for charges i just can never budget for a month :lol: ) Once i have delt with the time frame where there appears to be least resistance i will then be intrested in being a guniea pig for a case over the 6 year period to see what happens subject to the origional cases bringing good results But to do this i need to have the information for the account previous to 2000 which they are supplying me so i have drafted the following letter What are your thoughts on this and what happening so far

So just to make sure i got it right your saying claim for apr 01 -apr 04 first thanxs for the fast reply

Thanxs for a site full of information read through loads of bits but re-read the early stages as just starting my claim with abbey Just wrote and got my SAR letter done ready for posting. be intresting to see what they send back to me as my account has been with them for 14 years so will want all the information they hold. The amount they owe me from charges in the last 6 years i know will exceed the £5000 mark is it possible to file for charges to be reimbused as seperate cases E.g claim for period Apr 04 - Apr 07 as one case/claim and Apr 01 - Apr 04 as claim 2 and if successful on these then goto claim for the time previous to the last 6 years as another claim

signed up now got a splittiing headache reading and trying to digest alot of the information but have digested enough of it to understand my step 1 so sent the SAR letter off to Abbey now let the fun begin