I got a letter this morning from Abbey saying that they would settle for my full amount + legal fees and interest from february. Just wondered if it had happened elsewhere? PG

Thanks Glennboy, rang the court and they said I could fill out an N244 to possibly prevent Abbey defaulting. (more money!!! £35) How can I add removal of default to my already submitted claim, without costing anything? PG.

Have rung the ombudsman, they say quite clearly that they wont involve themselves with a dispute that is already progressed to court stages. Also rang the banking code of practice people, and again, they say that as far as Abbey would be concerned, there is NO dispute that I owe the money and therefore have every right to default the account. Right now off to ring the court........

Guys, Please help, Im struggling with the minefield that is Abbey!!! Today I received a letter from Milton Keynes posting notice of intention to register a default on our account. This is despite writing to Allen Betts (Head of Unsecured Debt Management) twice before explaining that the account is in dispute and the disputed amount is more than owed. I really worried now, because I had a default 6 years ago which crippled us:-( . Each time I have copied head office, and I sent a copy to the court with my allocation questionaire. I feel like Abbey are threatening me!!! What next????? PG

Guys, when should I expect a court date? AQ went into court 28th March, and just wondered what length of time people have been waiting until their date. Thanks in advance PG

Thanks Bankfodder, where will I find all the details on how to do this? and also, will it cost anymore money? things are tight!! £100 for the AQ not sure I can afford much more PG

Yes, ve had an account with Nationwide for ages, never had any trouble with them PG

Im at AQ stage, which needs to be submitted by the 27th March. How do I get these people off my back, without them defaulting me, because Abbey clearly dont communicate between offices, I sent in a letter to Triton House at the same time as Milton Keynes stating the account is in dispute. They owe me over £2700, I owe then £2500. PG

Im having almost exactly the sam trouble with Abbey, they seem to be taking over my life.!!!! They have written to me today telling me that they that if I dont pay off the overdraft and send cards back etc. they will default me. Ive just got clear of a previous one from RBS some 6 years ago, and getting any credit or mortgage was a nightmare!!! I seriously getting put off by this. PG:mad:

Guys, Abbey have already written to me once before demanding their overdraft back, and I responded to them and Triton Square, explaining the account is in dispute. I have received a letter today dated the 12th!!! demanding my cards and cheque books back within 7 days or they will take further action which will cost me £45 and threatened me with a default and a debt collection agency! What shall I do? PG

I started the claim process via MoneysavingsExperts website a while ago, before I knew fully of the existance of CAG. I got my 6 years of statements, totalled charges and send my fiirst approach, I sent sent a second LBA to which Abbey responded last minute with a Good Will Offer, which I took as partial payment, but said Id be continuing. The deadline passed, so I filed my claim on MCOL, minus the good will offer and recalculated the interest on the remaning basic amount. Ive just read some worring threads here stating I should of sent my charge shedules to MCOL then.....I didnt!!!, I hadnt seen any info about doing that at the time.:o I am now panicking, can I send them now? as an addition, even though Abbey have sent their defence?? More critically perhaps my original calculations were done on speadsheets which I sent the bank, but after they gave me the good will offer, I took this off the basic charge total (without interest) then recalculated 8% of the lump sum, previously each charge was dated and had indiviual interest. Their defence disputed my claim, but still offered me 50% to stop proceedings, some £1400!!!!! Any advise for this situation would be gratefully received, feeling alittle out of my depth!!!! PG (not feeling so clever now!!!)

My earlier letters to them were for the higher amount, and the claim for that amount -£670 so hopefully Im covered?!?! PG

Mick, It is James Arrandale, thanks for bringing that to my attention.... I am claiming statatory interest at 8%, for which I originally used a calculation sheet from The 'Money Savings Expert' site. So I entered the charge date, and it worked out the interest. Since then, they have given me £670 by way of a Good Will Gesture, which I took off the claim before filling in the form N1, and re-calculated the interest accordingly. I hope this was the right thing to do?!?! PG

Thanks Michael, I have used one of those before and accepted a partial payment and let them know I would be pressing on with my claim. The defence has come from their Solicitor, and the offer direct from the bank!!!!. I will sending a 'thanks' but 'no thanks' letter back. What should I expect from the "Allocation Questionaire"? which is coming shortly, and how far does that put me away from my day in court? PG

Guys, I received a copy of the Abbey's Defence through the post Saturday 10th denying that it owes me any money and that the tariff of charges were sent to me on more than one occasion. They also state that, and get this, 'The fees charged reflect and are proportionate to the Defendant's administrative expenses incurred due to the Claimant's breach of contract'.!!! They also dispute that I am entitled to interest. They say as well that I never supplied proof of where I got these totals from, which I did twice. Included with this defence is an offer of 50% of the fees which is offered as full and final payment. (Which beggers belief!!!) What should I do, or have any of you had this before?... Thanks for any help in advance PG

Hi, I was offered £670, and took it as partial payment, but you must send them one of the rejection letters detailed in the 'Templates' area and press on and claim the rest of your money back. Good luck :o)

Steph, it very much depends on the size of your claim. ranging from £30 to £120 (which I paid for mine) Ring the court or Money Claim on line help line they will help. PG

Nick, Thankyou for this, this is exactly whats happening. I will write to the different departments..... Thanks again, youre a great help. PG

Guys, Abbey are now sending me letters about my overdraft and telling me that money needs to be paid in on a regular basis for my 'facility' to remain active, and that it'll be reduce or withdrawn accordingly if no action occurs before mid March. They seem to be pressurising me to use this account even though Ive been using my paracute account since starting all this. Is there a chance they will attempt to withdraw the overdraft before my day in court, just to make matters more frantic my end?!?!?! which by the way is mid March now they have said they will defend. Apart from head office writing to me saying they have no idea how I arrived at my total, I have heard nothing else since filing my claim 10 days ago....is this usual???? PG

Cheers, its nice to know someone who has been through it... PG:D

I sent them a rejection letter much as you describe, and told them Id persue them for the remainder. But the interest is a calculation of the whole remaining amount, this cant be worked out as precisely as the first total (for which I used a spreadsheet with dates) because they put that money in my account an didnt say what charges they had refunded. Thankyou again for youre time.

Thankyou very much for your help....Abbey do seem to use every trick in the book to delay things!!! Im just worried about one thing though, When I first wrote to them I asked for £3324.58 including interest calculated @ 8% from when each and every charge was levied. When they refunded £670 into my account, they didnt relate it to any one specific charge, therefore my new calculation was just a breakdown of the remainder, i.e £3324.58 - £670 = £2654.58 (I then worked out the interest from this total) Will I be okay?......

Help, I sent 2 letters to Abbey with details of charges and charge dates to Blackburn at the beginnig of this process, I then waited and got £670 deposited into my account with no warning!. I continued and on the 14th MCOL online submitted my claim details to the courts. Abbey Head office have now written to me saying they will defend this because I sent in no proof of the charges or how they were calculated?!?! Its also saying I should have provided specific details when I filed my claim. There is not the room or area on the MCOL webpage to do this....whats my next move, and has anyone else been down this route?. Abbey have until the 28th Feb to file their defence. PG

I am currently a PowerGen customer. Just thought Id post to say that I visited PowerGens website today, and got a quote based on my useage (Gas and Electric). I did this and got the results, then registered on their website. The results turned out to be lower than Im paying at the moment, so when I registered on their site, there is a freephone number to ring to see if you can get a better deal. I phoned and told them that they had quoted me a better tarrif as if I was not one of their customers, and without batting an eyelid, they put me on it. A saving of over £100 per year. I hope this is useful to people who have tried to switch, only to have to pay off sometimes quite large bills to get away from their existing supplier. PG....

Thankyou, I'll check it out. PG