Hi all I've had a letter off them this morning offering me a partial payment of 5% of my claim. Obviously i am not accepting it. I have gone to the Money Claim site and filled in teh form and paid the court fees etc. My question is..do i have to send a letter to the Abbey telling them what i am doing? or..? thanks all Bladey

well, i dunno, because everytime i send a letter to one place, it comes back with a different address on. my latest letter has.. Complaints Abbey PO Box 5129 Milton Keynes MK9 2yn on it.

thanks

it was the "prliminary approach for repayment" that i last sent.

yes, it's me once again!! the last thing i sent to the Abbey was a statement of charges where i had listed all the charges and the dates of them etc. I have received a letter back today saying that they are very sorry, but the charges were pointed out when i opened my account and therefore they will not be giving me my pennies back! They totally patronise me saying that i need to look after my account better and if i want to go speak to a CS Advisor about it then i can do. GGRR stupid bints! Soooooooooooooooooooo..what now? I go on hols in a couple of days and want to get this sorted before then really. Any help is as always much appreciated (i think you all know that i really struggle with all of this!) Nicky

ok thanks so much

aaah i'm with ya now, your "sig" wasnt showing the first time around.

pardon?

oh i am clever then lol don't think i really went overdrawn as such. it's just all those unpaid direct debit charges that i have! still confused about Statement of Charges, been looking everywhere for pro-forma an dcan't find one Blade

yes i did Caro. did i do good?

thanks Nick, it's hard work isn't it, but worth it when it all works out as it has for so many on here from what i have read. Am just struggling now with Statement of Charges. Do i have to write down all the times they have charged me? or can i just send them the bank statements with the highlights on?

Hi Is there a pro forma for the Schedule of Charges please that i have to send with my request for repayment? If there is, i can't find it Please help Thanks Blade

aaah thanks for that. why do i find these things so hard? :-| i've worked out that unpaid direct debit charges = £953 so that is what i am interesting in claiming for. i am now giong to send the letter "preliminary approach for repayment". That's right huh? :? I'll go have a browse around at what you suggest and pray i don't get lost again. Gosh, cyber world is scary Blade

Ok, the whole 8% thing seems far too complicated for me. Am going to do it without that bit if i can. Do i still need to fill a spreadsheet in? (hope not cos i have never used one before lol) Blade

Hi all I am been coping pretty well on my own of late after my disastrous attempt at negotiating my way around here in the early days! I now have all my 6 years of statements through and i have bene through with a highlighter highlighting all the charges. God there are loads!!! I was very proud of myself, i sorted out the Microfiche stuff by myself, well with the help of the Stickys I think that i am now supposed to put them into the Interest Calculation Spreadsheet. Is that correct? I'm just a bit confused as to all this 8% business. Could someone please spare a minute to explain to me? Much appreciated ~Blade