This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi everyone, I just wanted to know (and I know the this will have been answered 100's of times already but I am a time strapped student and don't have the time to go rifling for the answer so if someone could answer or post the link to the answer I would be most grateful) - for those peeps that have not yet even sent the initial letter to the bank asking for a refund of charges - is it worth still sending the letter or should it wait until after this test case has gone through? This is because several of my friends who I couldn't convince to reclaim their charges when I reclaimed my own over a year ago have now decided they would like to start the process having seen all the media attention. Cheers

Hi, my mum's just received her cheque from Abbey today - they settled in FULL (charges, costs and interest) and sent mum a cheque for over £4770! Go with everyone - you get there in the end!

Right - just to let you know, Mum got a phone call on Weds from shAbbey suggested that she settle as going to court will be really stressful. Court date set for early March. They offered her £3200. Mum said no and told the guy (in the legal dept) that she didn't mind going to court as she'd never been before and it might be interesting!!! Anyways, she said she wanted the full amount, plus costs and interest. He told her it would be 'very difficult' for them to do that. That was that. So today mum calls me out (I'm asleep!) and says I'll be happy she called as she's just received a cheque through from Abbey for £4770 odd! YAY! Keep going everyone - you get there in the end!

Hi, can someone tell me abbey's registered office so I can send them their court bundle? I have the Triton Square, London one - is that it? Thanks Carly

Happy New Year everyone. Just to update you all: we got a court day through from the court, for 6/3/07, and need to have the court bundle back to the court by 9/1/07, which is mostly in hand, however I have a couple of questions... 1) A copy of the bundle has to go to Abbey - who should that go to and what address? Should it go to their solicitor...? 2) I've put together the bundle from the site - however on the zip file that is in the library - there appears to be bits missing....for example, on the one I printed out the other day there is no OFT statement summary and there is also bits missing in the the text (I don't know if they are supposed to be missing) e.g. page 26 (when nothing has been added) about a third down the page, it just says 30 ... and nothing more until it gets to 31. I hope this makes sense... Would be greatful if someone could advise asap as I would like to post these bundles today. Carly

Righto peeps We did the AQ and handed it in to the court with the fee round about the 10th Nov. When I look on MCOL it says that it has now been transferred and no more can be done online - so I am guess we have to wait for the court to set a date? How long will this take? The date the AQ had to be in by was 15/11. We've not heard a thing from abbey recently. Thanks - Carly

Right, I have received the allocation questionnaire - is this anything to worry about? It looks pretty straight forward. In section G - Other Information section, do I need to write anything in there? It's a £100 fee for filing this - that's normal, yeah? Any advice would be great guys as my own claims didn't get this far. C xxx

anyone got any advice...?

Right have copied and pasted this from southerner's thread cos it's exactly the same and she's done all the hard work already with copying it onto the computer! Looks like the 25th & 26th last week were busy days for Abbey's solicitors as lots of other people on the site got it too - which I have to say makes me feel better and I'm not the only one. FROM SOUTHERNER: Claim No xxxxxxx BETWEEN xxxxxxxxx Claimant -and - ABBEY NATIONAL PLC Defendant DEFENCE 1.Save as is specifically admitted in this defence, the Defendant denies each and every allegation set out in the particulars of claim. 2. It is admitted that the Claimant has current bank accounts with the Defendant, account numbers xxxxxxxx ("Account") 3. At all times the Account has been subject to the applicable terms and conditions ("Conditions"), which form part of the contract between the Claimant and the Defendant and to which the Claimant agreed when he opened the Account. The Defendant will refer at trial to the full Conditions but for the purposes of this Defence will refer to the following extracts: (1) "You can apply for an overdraft on your Account. If we give you an overdraft we will tell you your limit and the interest rate applicable." (2) "An unauthorised overdraft occurs if without our agreement you overdraw your Account or exceed the limit of an overdraft which we have agreed." (3) "If you have an unauthorised overdraft, you will be charged fees as set out in our Tariff of Charges or specified to you and these may include fees for transactions we are unable to process due to lack of available funds in your Account." (4) Throughout the period that he has had the Account, the Claimant received a number of copies of the Conditions and of the said Tariff of Charges as they were amended and updated (though there has been no material amendment to the Conditions extracted in paragraphs 3(1), (2) and (3) above). (5) Any overdraft facility on the Account was (and is) subject to the Conditions. (6) The Claimant has overdrawn or exceeded authorised overdraft limits on the Account on a number of separate occasions, full details of which will be provided on disclosure. Therefore by virtue of the Conditions referred to in paragraph 3 above such overdrawing was unauthorised and in breach of contract and the Claimant became liable to pay fees to the Defendant in accordance with its Tariff of Charges applicable at the relevant time. In- accordance with the Conditions, such fees were debited to the Account. (7) In view of the facts and matters referred to in paragraphs 3, 4,5 and 6 above, the Defendant denies that the amount of any other amount, was unlawfully debited to the Account and the Claimant's claim for the repayment of that amount is therefore denied. (8 ) The Claimant's contention that the said fees are unenforceable and/or are "penalty charges" is denied. The fees reflect and are proportionate to the Defendant's administrative expenses incurred due to the Claimant's breach of contract and are a genuine pre-estimate of the damage suffered by the Defendant. (9) Further or in the alternative, even if the said fees are not proportionate to the Defendant's administrative expenses incurred (which is denied), the Claimant remains liable to pay such fees as may be found to be proportionate and the Claimant is not entitled to claim repayment of the full amount of each charge made to the Account. (10) No admissions are made as to the amounts claimed by the Claimant and the Claimant is put to strict proof of the same. The Defendant believes that the facts stated in this defence are true. I am duly authorised by the Defendant to sign this statement. Full name Inga Kirkman of Abbey National pIc signed position or office held: Legal Officer Date: 26 October 2006 Mum phoned me on Tues to say that she's had the allocation questionnaire too. So that needs to be filled out and submitted - what happens then? More importantly how long is it likely to be before we see the cash.....?

And my mum!

Great - that's fine then, just wanted to know that they're just going through the motions til they give in. C xxx