Have just called FOS, they are sending abbey a letter for me.

Lula, should I add copies of my previous letters to Abbey with this letter to Moorcroft??

Yeah my claim is on stay for the bank charges... Hadn't heard anything from the abbey after my last letter for ages till this from Moorcroft Debt. guess this means they must of put a default on my credit score too...

Hi Lula, thanks, do i send this to both Abbey and Moorcroft? hope all is well

I got a letter Saturday dated the 6th from Moorcrfot Debt Recovery Ltd saying the abbey have instructed them to collect my "overdue debt" It say I have 7 days to submit payment in full (so till 13th) otherwsie leagal proceedings will be taken gainst me... I sent, the letters to the abbey previously as some of you have advised... where do I stand now?? what are my options??

thanks for this are there any template letters, for what i should send. thank you for your help.

Hey Lula, did you manage to find anything on this?

sorry for all the questions, I am just trying to work out what my next move should be!!

Am i correct here??

ok just looked that up (link) http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf where does this leave me, do you know? what should my next action be?? I will phone OFT for some advice in the morning...

if any help... Banking Code Standards Board 0845 230 9694 thanks

Thanks Lulu, I will do that. I just had an interesting conversation with the Banking Code Standards Board. The person whom i spoke too, said that the bank arn't actually breaking the code "13.6". and that they can continue to presue the debt and pass on to an external agency even though I have a claim on the charges.

Hi, I have just spoke with abbey... they said they are passing my debt on to an external recovery company and closing my account. can somebody tell me where i stand?

i've had three letters from this company now, and now there telling me they are returning the debt to Abbey in the next 7 days....

where do i stand with the debt collection company??? I have said that im not paying because the account is in dispute.. is that the right thing to do?

i sent the letter a while ago and have not heard back from the bank ref the overdraft status and being in dispute, today i have recieved a letter from a debt collection company working on behalf of the abbey to collect my overdraft. any idea where i stand on this??? has got me a bit stressed out... and mad.. bloody abbey!!

I've heard nothing back from the collections department so i thought i'd call them, and surprise surprise they no nothing about the letter i sent, so they give me complaints number and i call them. They recieved the letter but the collections dept don't no anything about it? how crazy is that. I have received aother standard letter back from the complaints dept regarding there court case with the OFT. And when i phoned the collections dept they asked me to make payment. Theres a major lack of communication in this bank in my opinion.

thats the letter i have already sent. So am i just waiting on a reply from the abbey. I'll have a look in the doc library at lunch...

any advice ref to above post??

so i get this from the abbey.... they must of sent it via pigeon cos it took 8 days to get here since they posted it, my guess is they back dated it... letter body... acc # overdrawn balance overdraft limit This letter will serve to provide you with notice of our intention to register default information with Credit Reference Agencies to which we subscribe, in respect of the above account number. Default information will be registered 28 days from the date of this letter, and may be used by other lenders in assesing application for credit made by you and members of your household. The role of the credit reference agency is to make it possible for lenders to quickly make accurate and responsible lending decisions. Credit reference agencies do this by holding details of your credit histories, which lenders then use to help them decide whether or not to accept applications for credit from customers. i am first off very sure that they have back dated that letter, as i spoke to them on the date of the of letter.. how can i stop them from sending details to credit reference agencies, and can i get them to reverse this?? my dad and brother would be real p*ssed if this was to effect there credit... the last letter i sent was the template in this tread, along with a spread sheet... any advice out there with regards this this letter i just recieved??

hey, hope your well, is it important that i get this done in the next 7 days, or should i wait to hear from Abbey??

Hey, im just doing the letter know... i've made a couple of changers... only small ones for spelling and wording in paragrapgh 2.. in red bellow As this account is in dispute, I have stopped all payments until this issue is resolved. Section 13.6 of the Banking Code clearly states that you may only pass details of my debt to the credit reference agencies if the debts are not in dispute. As previously stated, I have disputed this debt in writing, on April 2007. Furthermore, I received a default notice, dated November 2007, on November 2007, despite the fact that this account is in dispute. As you are aware, this would constitute a further breach of section 13.6 of the Banking Code. I require this matter to be resolved before I am compelled to take further action. the changes are ok right?? i have used the date off the letter i sent in (post 11) as the date i disputed the debt for paragraph 2 above.. is this right?? just gotta print it off now and post it, should it go recorded delivery?? thanks for all your help

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107609-new-poc-n1-abbey.html thats the correct form above right?? does it cost anything court wise, do i have to pay out?? i'll get the letter done tomorrow from post 15.. must leave office now.. thanks for your help!!

i spoke to abbey complaints about how they are dealing with my charges about an hour ago there just useless... whilst im looking up bits and peices on here it appears the letters i sent earlier this yr are quite tame. Tomorrow is the last day of what they said was my two part option (paying overdraft off in two installements.... so I guess i'll be getting there final default letter monday with 28day to pay full amount. looking at the advice in other threads, i should just leave the phone alone... speaking to these people is just frustrating.

there has been charges issued since i sent my claim in, which i have also added to the spread sheet..... i'm still alittle baffled to which letter i should send.. Should i send them this letter which you mentioned origianlly as i have already made a claim againstthem??? send them this letter Quote: Account In Dispute Dear Sir/Madam Account Number: xxxxxxxx As you will be aware, I have recently disputed the balance of this account on the grounds of unfair and unlawful penalty charges which have been levied against me. These charges apply to ALL of the accounts that I have had with you. As this account is dispute, I have stopped all payments until this issue is resolved. Section 13.6 of the Banking Code clearly states that you may only pass details of my debt to the credit reference agencies if the debts are not in dispute. As previously stated, I have disputed this debt in writing, on 16th April 2007. Furthermore, I received a default notice, dated May 22nd 2007, on 26th May 2007, despite the fact that this account is in dispute. As you are aware, this would constitutes a further breach of section 13.6 of the Banking Code. I require this matter to be resolved before I am impelled to take further action. I would also like to mention that I am both shocked and appalled by the fact that you have decided to impose more unlawful charges on my account when it is in dispute and without informing me prior to doing so. I would be grateful if you would stop any charges on my accounts until my dispute is fully resolved. If you persist in imposing any further punitive charges on this account, including charges for legal letters, they will be included in the amount I am claiming from you, and I will be forced to seek a court injunction to prevent you from taking any further action. I would also like you to take note that I will only correspond with you on these matters in writing and do not wish to be telephoned again. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I would appreciate your due diligence in this matter. Yours faithfully Or should i send them the prelim letter first... I want my charges back but the biggest concern i have right now is the issue with them asking me to pay my overdraft back in 28 days.... i reading through bits and peices on this site at the moment.. thanks for your help so far...