i have receved a letter from abbey i will write it out and see if anyone can help me!....... i dont even think theyve looked at my account to be honest. like the fact there offering me an overdraft and im already maxed out on my overdraft!!! thank you for your letter, about your bank charges. i am sorry you feel these are unlawful at common law,statute,and recentconsumer regulations. having carried out full investigation, i can assure you the charges do not contravene those regulations and therefore cannot argee to refund them. the regulations say that we must explain our charges in plain language and that we have to act in good faith, which, according to the offic of fair traiding, means dealing fairly and openly with customers. i therefore reviewed the literature and information you receved when you opened your account, including the turms and conditions. this explains that charges will be applied if you do not keep to the terms of the account. because of this i believe we have been fair and open about telling you about them. the charges were correct because you did not have enough money in your account to cover payments requested from it. when i looked at your account i found that, unfortunattely, this was not the first time this has happend. i can see we have refunded charges, within the last 12 months, as a gesture of goodwill. we also did our best to make you aware of the inportance of magaging your account to prevent the situation happening again. i am sorry that, because of this, i cannot agree to cancel these charges. i am confident that i have been fair and taken into account all the point you made in your letter, but if you have any additionsl points you would like to disscuss with me, please call me on 0845 ****** , i have enclosed thge leaflet about the financial ombudsman service, encase you asre not happy about my investigation or desision. if so, you should contact them within 6 months of the date on this letter encloseing a copy of it, as they would need this for thier investigation. i hope we can work together to help you avoid charges in the future. little things can help, like checking your account balance os often as possible and looking at the datres of direct debits to make sure they are taken shortley after money is paid in. in addition, we mihgt be able to help by providing an overdraft facility to give you more flexibility. this could help to keep your costs down, as there are no charges and you only pay intrest if you use the facility. so if you would like to talk to someone about the options available, please call our telephone banking centre on 08459 000 000. alternatively, if you think you might need longer-term financial help or advice, please call 0845 000 0000 and we'll be happy to help. yours sincerely Katie Westley Customer Resolution Manager Enc. financial Ombudsman Sevrice Booklet. so if anyone can help me ill be most greatfull thank you!!

i have just receved a reply from sending my first letter it says thanks for the letter dated 16th june which we receved on 21st june requesting info on your account for bank statments covering the period 1st november to date all the transaction info you have requested is available on our systems and will be fowarded to you within 40 days free or charge under seprate cover. i therefore return your £10 fee. unfortunaly we are unable to suply a list of charges applyed to your account for the last six years because we do not store this info seprately from other transaction data. we can only supply a list of the transactions on your account which will include details of any charges applied you will apprecite that first of all not all manual interventions on your account may be recorded, for example if a member of staff looks at a paper document relating to your account, a record of that activity will not always be made. moreover an intervention may be carried out by any one of a large number of departments in abby.yhere is no central record of suck interventions because this is not the kind of information that we usually need nor, more4 importantly information that a customer would normaly request i regret therefore that i am unable to supply a detailed info of any manual intervention.i am sorry for any inconvenience this may cause. i dont understand where this has now left me and what my next step is ive got my bank statments and have added together all the charges and intrest plz help!!!

i have just receved a reply from sending my first letter it says thanks for the letter dated 16th june which we receved on 21st june requesting info on your account for bank statments covering the period 1st november to date all the transaction info you have requested is available on our systems and will be fowarded to you within 40 days free or charge under seprate cover. i therefore return your £10 fee. unfortunaly we are unable to suply a list of charges applyed to your account for the last six years because we do not store this info seprately from other transaction data. we can only supply a list of the transactions on your account which will include details of any charges applied you will apprecite that first of all not all manual interventions on your account may be recorded, for example if a member of staff looks at a paper document relating to your account, a record of that activity will not always be made. moreover an intervention may be carried out by any one of a large number of departments in abby.yhere is no central record of suck interventions because this is not the kind of information that we usually need nor, more4 importantly information that a customer would normaly request i regret therefore that i am unable to supply a detailed info of any manual intervention.i am sorry for any inconvenience this may cause. i dont understand where this has now left me and what my next step is ive got my bank statments and have added together all the charges and intrest plz help!!!