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Sarah V Abbey *** WON ***


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was a long while ago and i have done several more claims since then but i think i called them and they said 9.9%- think others have also used that rate

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 3 weeks later...

rang the court and was advised to put the progress in a letter to send to court as the new hearing date is 23rd April: The letter doesnt sound very legal but will it be acceptable- help appreciated

---------------------------------------------------------------------

Sarah V Abbey National Claim no 6NR04162

This claim was adjourned whilst Christine Cody at Abbey negotiated with me to settle out of court. We reached an agreement (letter attached) of £4500. £2966.45 was retained by them to repay the amount owed to abbey and a cheque was sent to me for £1533.55. This cheque was made payable to my father as Abbey had closed my account and I had no other at that time.

 

However I am still being chased by Abbeys debt collection agencies Moorcroft Debt Recovery Ltd and Midas Legal Services (letters attached) who say the debt is still outstanding and will be instructing their solicitors to commence legal proceedings against me. I tried to contact Christine Cody but received this automated reply

 

am no longer working for Abbey National PLC and I would suggest that any emails sent to this inbox be resent to BCT@abbey.com

If you need to speak to someone urgently, please email Tanya.thwaite@abbey.com or James.Arrandale@abbey.com, or call James on 02077564306.

 

I have emailed many times with no reply, called countless times but have not been able to speak to anyone except voicemail of which my message is never returned. Also wrote a letter to which I received no reply.

 

I would like abbey to inform their debt collectors that this debt has been settled and I would like confirmation of this. I would like the default placed on the various credit registers removed as this is a result of the banks charges.

--------------------------------------------------------------

will it do?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi,sarah

Please Get In Touch With Abbey Debth Recovery Department By Tel. Abbey Coustomer Service And Ask Them To Clearify That If They Have Recieved The Outstanding B/l From Bank Charges Department As The Are The People Who Are Suppose To Pass The B/l To D/c And Also Fax Moorcroft The Copy Of The Statement Of Settlements Schdule You Recieved From Shabbey As A Full Settlement Figure. As My Self Shabbey Deducted The Sum Outstanding Of My Debth With Weascot From My Settlement Amount I Then Did The Above Yesterday. Hope This Help.

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thanks for the reply- think i will go ahead and send the letter as there is still the matter of the default being removed.

 

Will update as i have info

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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thanks for the reply- think i will go ahead and send the letter as there is still the matter of the default being removed.

 

Will update as i have info

 

Sarah,

Did you have Removal of Default as part of you claim to court? (sorry, not read your whole thread:) )

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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yes i did

Ok.

In the Settlement Letter from Christine, and in any subsequent letters of settlement from James, is the Removal of Default mentioned as part of your settlement?

 

If it is, great...

 

If not, have you signed an acceptance of settlement offer letter, and if you have, did it have the Default Removal on it?

 

....

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Ok.

In the Settlement Letter from Christine, and in any subsequent letters of settlement from James, is the Removal of Default mentioned as part of your settlement?

 

If it is, great...

 

If not, have you signed an acceptance of settlement offer letter, and if you have, did it have the Default Removal on it?

 

....

 

no reference on letter from christine of default - sent one back signed and ammended to include default. no contact whatever from james.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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waiting with baited breath for your next post as moorcroft collection agency have again been hassling me- i just dont need it. will call abbey debt number tomorrow but just know that they wont be able to remove the default- theres always a reason with them. thanks everyone whos helped me- where would i be....!!!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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waiting with baited breath for your next post as moorcroft collection agency have again been hassling me- i just dont need it. will call abbey debt number tomorrow but just know that they wont be able to remove the default- theres always a reason with them. thanks everyone whos helped me- where would i be....!!!

 

Sarah,

Don`t give up on having the default removed, they can remove them:o

 

Last week I was just checking online and found that my Default from Abbey had been removed, and they hadn`t even told me.

 

Check online at Experien daily as you may be suprised to see it just disapear like mine did.

 

As for the problems with the DCA, I would phone James and tell him that unless you get confirmation in writting from him by the end of the day you will be returning to court as your claim was for Refund etc plus Default Removal and therefore as they have not taken the action that Christine had agreed too on their behalf, you will be asking the judge to set a new court date for a full hearing.

 

Tell James that the CRA harrassing you is causing you Stress, and that if it is not resolved immediately you will also be seeking compensation for the stress that their inability to deal with the issue has caused you.

James may say that a Court would not award you compensation, and they may not, but Abbey will!

 

You have the upper hand with this, they are in the wrong and need to sort it out to Your satisfaction.

James is a good understanding guy, and aslong as you explain in detail to him the stress that is being caused, he will get it sorted for you.

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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thanks ever so much- will follow that advice tomorrow and will update as soon as i have. Thanks again:)

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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registered with experien just waiting to receive pin thru post- then will check thru it.

Called james but as usual got voicemail, have lost count of how many messages i have left that have not been returned but left another anyway asking him to call me desperatly please!

 

will try again tomoorw if i've still not heard then will have to send the letter to the court as the hearing is already booked 23/apr.

watch this space

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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James will not return my calls or emails- he is rude! been online with experien- abbey debt on there is marked as settled but still shows as an 8 - this means it hasnt been removed at all. Have to go to the court today to pay my admin order so will take the letter (below) in person. will update when i have news:sad:

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

no news (but thought i'd post anyway!) since i took the letter to court. back to waiting .....

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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no news (but thought i'd post anyway!) since i took the letter to court. back to waiting .....

 

Sarah,

What did you put in the letter?

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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it went something like this :

 

Sarah V Abbey National Claim no 6NR04162

This claim was adjourned whilst Christine Cody at Abbey negotiated with me to settle out of court. We reached an agreement (letter attached) of £4500. £2966.45 was retained by them to repay the amount owed to abbey and a cheque was sent to me for £1533.55. This cheque was made payable to my father as Abbey had closed my account and I had no other at that time.

 

However I am still being chased by Abbeys debt collection agencies Moorcroft Debt Recovery Ltd and Midas Legal Services (letters attached) who say the debt is still outstanding and will be instructing their solicitors to commence legal proceedings against me. I tried to contact Christine Cody but received this automated reply

 

am no longer working for Abbey National PLC and I would suggest that any emails sent to this inbox be resent to BCT@abbey.com

If you need to speak to someone urgently, please email Tanya.thwaite@abbey.com or James.Arrandale@abbey.com, or call James on 02077564306.

 

I have emailed many times with no reply, called countless times but have not been able to speak to anyone except voicemail of which my message is never returned. Also wrote a letter to which I received no reply.

 

I would like abbey to inform their debt collectors that this debt has been settled and I would like confirmation of this. I would like the default placed on the various credit registers removed as this is a result of the banks charges.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi Sarah, Congratulations with your win against Abbey. I am sure there is a letter in the template liabrary you can send to Abbey.Moorcroft about the harrassment. You should send it by recorded delivery, and to moorcroft send them also a copy of the letter from Abbey, showing that they should of by now settled the claim with them. I am sure they are breaking the banking code by pursueing you for payment which they already have already settled. I am not an expert on this but I am sure that I have read about this on other threads.

Regards

DS

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thanks for your help but i also want to the default removed from experien etc. if abbey would talk to me maybe we could get this resolved but as they wont- court seems to be the language they understand 24th april i think!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Sarah,

Sorry if I`m going over old ground here, but -

 

Is your court date in April a hearing to discuss Default Removal?

ie; does your POC contain as one of the requirements in your claim The Removal of Default Notices registered at All Credit Reference Agencies.

 

Or, are you relying on your ammended letter of settlement returned to Abbey with the default removal requested on it, and if so, did you keep a copy of the ammended aceptance?

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Sarah,

Sorry if I`m going over old ground here, but -

 

Is your court date in April a hearing to discuss Default Removal?

ie; does your POC contain as one of the requirements in your claim The Removal of Default Notices registered at All Credit Reference Agencies.

 

Or, are you relying on your ammended letter of settlement returned to Abbey with the default removal requested on it, and if so, did you keep a copy of the ammended aceptance?

 

my hearing is the date of the original hearing which was adjourned whilst they negiotated with me.

Removal of default is on my orginal poc and mentioned in the letter i sent last week.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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my hearing is the date of the original hearing which was adjourned whilst they negiotated with me.

Removal of default is on my orginal poc and mentioned in the letter i sent last week.

 

Excellent, that clears that up.

 

I would continue to try and get in contact with James Arrandale, don`t bother leaving voicemails for him if you don`t get through, as firstly, he never responds to voicemails, and secondly, it may come across as a bit desperate and that your scared to go to court etc.

When you do eventually get through to him he will sort out the settlement for you and get the default removed, its just that he is Snowed Under at the moment with so many court actions being taken out against Abbey (Can`t for the life of me think why:D )

 

Stick with it, you`ll get there in the end, and don`t forget to mention the `Stress` of being chased by the DCA when you get through to him, tell him if he does`nt get it dealt with as a matter of urgency you will submit an ammended POC to the court for compensation (they paid me £5k compensation out of court, they know the courts will pay it out if it ever got that far)

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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thanks so much for your advice- i will keep trying him. Compensation would be excellent! i'll keep you posted.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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