I received a letter from Abbey dated April 26th, informing me that I would be refunded some of my charges due to hardship. I have made several phone calls to find out when the money would be paid into my account. In the absence of the letter several of the teams I spoke to indicated that Abbey was waiting for my response/agreement to the letter sent. Straight away implying the refund was conditional. On Tuesday 19th May, my account was plundered in charges - causing further hardship, when I spoke to the person who actually dealt with my case, he assured me the money would be credited today and still nothing. Has anyone else had this type of experience and what did you do?

Hi In January 2003, Abbey withdrew my £3,600 overdraft facility. I contacted them to state that I could not afford to repay the overdraft with immediate effect as they required. My immediate reaction was to open another bank account, but as my financial circumstances had changed and I had other creditors harrassing me on the telephone at home and at work, I did not feel I needed another aggressor added to the list. I negotiated a monthly amount of £250 and they reinstated my overdraft reducing it by my monthly payments. MOH thought it was the worse cause of action as we were losing our O/D facility but as we were already maxed out, all we were losing was £250 pm and at the end of it we gained £250pm. The drawback was we had to surrender all our cards and our cheque book, but I was able to get counter cheques free of charge. We paid off the overdraft in a year which was liberating and I now have an electron card. The thing with overdrafts are that once you're maxed out all you have is an overdraft. I am no reclaiming approx. £6k. I could afford to pay £250, but you should only offer them what you can afford. I have a 2nd account with Abbey that went overdrawn by £5 and cost me £175, I refused to pay the last £100 and Abbey has ignored and Abbey has ignored any reclaim correspondence relating to this account. They have written to inform me that they will take me to court, so I contacted them to inform them to start the process, because I intend to have my day. It amazes me that my case for my 1st account has been stayed but the banks can continue. Still waiting to for they're next move.

Lambeth County Court has informed me that my case has been stayed pending the outcome of the OFT test case, yet in the meantime Abbey continues to take charges out of my bank account.

Thanks for the info, I have already sent Abbey the charges and schedules on 2 previous occasions, so that clause is pointless as I have it to hand. I will take your advice and start the bundle this weekend. I look forward to the update on your case.

Did you go with the new strategy CPR part 18 directions? It looks as though your case is moving in the right direction, how much grace will the court give? Fingers crossed.

Hi All I have submitted my AQ attaching a copy of the relevant list of the directions on Monday. I sent Abbey a copy on Friday and today received in the post a copy of the Defence's Draft Order for Directions: Quote: 1. The Claimant shall within 28 days of service of this order send to the Defendant and the Court: a) A schedule setting out each charge repayment of which is sought , showing the date, amount and reason given (if any) for that charge being made; b) Copies of any statement or other document relied upon as showing that each and every charge has been made; If the claimant fails to comply with this order, the claim will be struck out without further order. Already provided on several ocassions. 2. The Claim be allocated to the small claims track for hearing not before 21 September 2007. 3. 14 days prior to the allocated hearing date, the Claimant and Defendant shall file and serve: a) Copies of all documents (including expert's reports) on which he/it intends to rely at the hearing; b) Any witness statements must be included in the documents filed and served; and; c) Copies of decided cases and other legal materials to be relied upon. Is this normal? I am guessing this is standard court directions for small claims. My claim is £ 5.6K

Hi All I have submitted my AQ attaching a copy of the relevant list of the directions on Monday. I sent Abbey a copy on Friday and today received in the post a copy of the Defence's Draft Order for Directions: Is this normal? I am guessing this is standard court directions for small claims. My claim is £ 5.6K

I have just found other threads relating to court doing away with AQs, so I guess I'll just wait to see what my local court does.

I received Abbey's defence on 31st May and contacted the court 2 weeks later to find out whether they had issued an AQ. I was told that there did not have Abbey's defence on file but had received it???? They asked me for Abbey's contact details so they could get the information and as I have a copy of the defence I thought I'd better show willing. I heard nothing for another 2 weeks, so rang the court again, they informed me that it was an oversight and an AQ would be issued immediately. I have received post every day but one (strike) and still no AQ. Is there anything else I can do, as I do not want to be held responsible for a time lapse involving the AQ. Abbey was quite punctual with their response yet a whole month has passed. :?

LITIGATION DETAILS: Defendant: Abbey National PLC Claim No: 7LB02071 Amount: £5,625.34 Date: 18 May 2007

Abbey submitted their defence to my claim on 30th May, which I received on 31st May. A week and a half ago, I contacted Lambeth County to find out whether they had sent out the AQs, they informed me that they did not have the Abbey's defence on file, but assured me if I gave them the number they would contact the Abbey. I queried whether it was my responsibility to ensure Abbey's defence but decided to show willing. I contacted the court again yesterday to find out where my AQ was and was told that although they had all the information on 31st May, it appears to have been overlooked and the AQ was not sent out to either parties. Has anyone else experienced this?

Thanks for your speedy response, I am submitting my N1 tomorrow and I'm just want to ensure I've crossed my t's and dotted my i's. Perhaps I will hold off including May's charges as they have not be deducted yet and ShAbbey should be in receipt of my claim before debit day. Regards

Hello I'm about to submit my N1, on reading other threads it would appear that the 6 years to reclaim commencing on submission of court claim. Do I reflect this on the N1 as the letters I submitted to ShAbbey will have a different value. My original correspondence was sent to ShAbbey in January - so I'm guessing I can no longer claim those charges, however, ShAbbey has imposed further charges and will be debiting my account in May. Should I include these charges. The last thing I want is for ShAbbey to have any of my money in the name of penalties but equally I do not want to jeopardise my case. Please help!!!

I received a parking ticket from TFL for parking on the red route. My car was photographed, but you could not see that I was parked in a designated loading bay, some how the bay did not show up ib the photo. Having returned to scene (just to ensure there was a bay) I wrote to TFL asking them to re-examine the evidence. Today I received my response, stating that they agreed that I parked in a bay allowing for 20 minutes loading, but on inspection there was evidence of me loading. Do they have the right to define loading, as I most certainly unloaded my baby's buggy and reloaded the buggy and other items on my return to the car. I am so fed up with being shafted for being a motorist.

I am just starting the process of reclaiming my charges from Abbey. I prepared my letter and schedule of charges hoping to reclaim GBP 4474.00. I understand that now is not the time to include a request for interest payments but I have calculated that with interest I am due a further GBP 870. At which stage should I introduce this claim? BTW - Thanks to all for the information provided and making this a less daunting process, we have been toying with the idea for quite a long time now and feel immense relief that we are one on many prepared to stand up and be counted. Any ideas or plans on unfair driver's penalty charges.