Reenie vs Abbey

[reenie]

Hi

 

Just started and want to check I'm on the right track

 

I already had statements going back to 2004 with charges totalling just under £5k.

 

I sent a letter on the 10th July to Abbey based on the preliminary approach letter from the library. I got a standard reply on the 19th saying that they are sorry I am unhappy and someone will investigate and get back to me in the next 4 weeks.

 

I was in the process of drafting my response when I received another letter - the one saying they do not feel the charges are unfair, that I have operated my account badly, I should have been monitoring it more carefully and they may decide to give notice to close the account. This is all to be expected, right?

 

If it is the Abbeys tactic to scare people off from continuing their claim they are doing a good job. I have managed my account very badly and their letter certainly makes me feel like I have no case against them. I think this is why I am now posting a message on the site, I need some moral support

 

Thanks

 

Reenie

[reenie]

I sent off my LBA based on the template in the library at the end of August. I then received two letters from Abbey both dated 8th September. The first arriving on the 11th which was a standard letter saying they are still looking into my complaint etc. The second, received on the 12th, saying as a gesture of goodwill they have refunded me £1,560 plus £150 charges which were due to be taken from my account this month (they actually haven't refunded this).

 

My next step was to go to court but my Dad, a man in the know, suggests that I write to the Abbey instead. Something along the lines of thanks for the money but not enough. He also thinks that I should ask them to make me an offer. Should I do this or should I just go for the full remaining amount?

 

Can anyone tell me where they got to the figure of £1,560 from? My original claim was for £4,913.00. Seems an odd amount

 

Amazing how disorganised they are to send two letters on the same day!

[reenie]

It's been 6 months since I received the 'guesture of goodwill' £1,560 from Abbey. Due a mixture of being lazy and busy I have never pursude the matter further - something which annoys me everytime I remember. So my question today is, have I left it too late?

 

I have the N1 form filled in and a cheque ready to go, shall I send it off to the court today?? Do you think the lapse in time will go against me?

 

Your thoughts please

 

Thanks!

 

Reenie