Thank you so much Odd Fellow, will do as advised today, and wait and see what happens.

Could someone please advise - I am making a claim for £1028.06, this includes interest etc., I have so far done everything as advised, sent my LBA on the 30th of August and received a reply dated the 15th September, they say the usual stuff as I have read in other threads, but they have refunded £250 into my account on the 15th September - How should I proceed? I was under the impression that abbey normally offers a crappy amount but does not automatically put it in the account? Should I say that that is not the amount I am asking for and will proceed further? Please Please advise. Thank you mancalledsmith

Just wanted to say thank you for your advice, I have now sent the LBA with schedule of charges, wait and see what happens!! But again sorry for the delay in saying thanks.

sorry just read what happened ignore initial question!!!!

So thats where you sent your LBA to? What happened next? or are you still waiting to hear?

Could someone please advise me on problems I am having with Abbey, I have read quite a few of the threads and taken the advice using the templates - from what I gather I seem to be quite fortunate that I have been able to get this far!!! I have had my statements and am now at the LBA stage, but there are two different lots of people and departments dealing with my complaint. One is Marc Winder whose name I came across in another thread - he is head of complaints and has sent the usual will take 4 weeks blah blah letter, but that was sent within the time limits, and then another one I received just before that letter, from Jagdish Rahel - Senior Customer Resolution Manager; he said that hes carried out a full investigation and he can assure me that the charges do not contravene the regulations and therefore cannot agree to refund. Also states that not the first time we did not have enough money in account which is true but its almost like its said in a way to say its my fault, and then he goes on to say they have refunded charges in the last 12 months, as a goodwill gesture - makes me wonder if he was looking at my account because I am not aware of this. Anyway his letter tells me to send £10 etc etc and its like he is not aware of how far I am with this. So can someone please advise? thank you

Yes I am in a similar boat with abbey, they charge me twice for a direct debit failing but I am not informed until the same direct debit has been put through twice and then failed to go through, therefore incurring a £70 charge!!!! I ignored this the first time I noticed it, mainly because I have a young child who has been ill a lot, and just before christmas my son was in hospital with chicken pox that had become infected with a strep A, basically his life at risk, and the bank was charging me £70 because my mortgage had bounced. I phoned them up and said it was unfair, because I spent most of christmas in hospital, and that no letter was sent to me the first time the direct debit went through. If I had known I would have made funds available. The person on the other end basically said I should keep a track of my account - and that I should not pay by direct debit as he pays everything by cheque - which is what I try and do now, although I have put in the first letter about my charges, lets see what happens. But is this normal practice not to be informed of the first direct debit failing? And does this make sense sometimes I think faster than I can type