What Can i Do?

[Wilcouk]

Hi there, my name is Adam and i'm 20, I'm totally fed up with Abbey's crap service and do they nothing to help me only help put me further into debt and continue to crap on my credit record, this month i have to pay them £56 for going £10 over my overdraft

 

Can i accuse Abbey of negligence? they awarded me with a £1,000 overdraft when i was 19 which i only had to increase because they kept spanking me for charges, so in order for me to accommodate these charges i had to increase my overdraft just so i could pay abbey

 

So i'm constantly in the red and - £126 or whatever when i'm paid, They do nothing to help me when i ask them and insulted me greatly when the "help" they did give me was knocking off £60 from a £150 charge, so yippe i still have to pay them £90

 

Another example of how crap they are, in the last week they said i had £50 on my bank account when really i didnt luckily i didnt spend it and to confirm what i thought, the next day it went back to my original balance of £11, on Friday they said i had £11 but on Saturday they said i had £40, i had to use £5 of that £40 and on Monday they now said i was -£4 so i had to borrow £27 from my mate and pay that in before i get hit with a £30 charge

 

When explaining this to Abbey, i was told to sign up for Internet banking of which i am already registered with and proceded to tell them the internet banking is what told me this information! They then went onto say i should keep track of it all myself i.e write it down on a piece of paper, so if that's the case, why the hell do i have internet banking or with abbey to begin with if they cant do all this for me? i mean after all they are my bank who i choose to be with and SHOULD trust my finances with, unfortunaly i do not trust them at all

 

and when i tell them about this £1,000 overdraft they go on and tell me i should save up, well after bills i tend to have £350 left though that's before being spanked by a whopping great charge because i went £2 overdrawn and even then i got paid the next day, they tell me i should save and get myself out of the overdraft

 

Well if i took Abbey's "Advice" then that would mean i would not have to spend a penny between now and the next 2 - 4 months, do they expect me to work but magically fly there or something?

 

Now someone out there cant tell me that it's sensible banking for Abbey to give me a £1,000 overdraft for someone who only earns £886 a month and then spank me for charges and then expect me not go over my overdraft limit when they are quite clearly not helping me

 

After all a Overdraft should only be there so you have something to fall back on when you overspend but with me i'm constantly in mine and so when i do go over my overdraft, i dont have the safety net that i should have so instead i'm attacked by the sharks

 

What can i do about this? i'm fed up with not being treated with any sort of respect as a customer, all they want from me is my money which i can ill afford to do

[Glenn UK]

TO be honest i think you need to take astep back and decide what you want to do?

 

Im not sure you can sue them for negligence but you can certainly claim back any unlawful charges they have imposed on you.

 

If you take the time to read thought the FAQs if you have statements for the period your interested in work out how much you have paid and start the process to reclaim them.

 

If you dont have statements send them a SAR letter asking for the information. The sue them.

 

HTH

 

Glenn

[blueskies]

Hi wilcouk.

 

I am really interested in your story as we are trying to gather information about irresponsible lending at the moment. Glenn has offered the correct advice but I will add that you need to take a thorough look through the FAQ's on the site before doing anything.

 

The good news is that you will be able to reclaim all of your penalty charges which should help bring the burden of debt down.

 

You may also want to talk to the Consumer Credit Counselling Service (CCCS) who will be able to give you specialist advice regarding debt management if you need it.

 

Can you please let me know by PM the exact circumstances when they offered you more money and how you applied for it as we are trying to gather evidence.

 

With a small amount of effort you will be in a much better position in a few months.

 

Good luck

[perpulchra]

Ive found CCCS a great help. They help you correspond with your creditors and make it easy to stick to your guns, in 12 months you,ll be in a much better position. Half the battle is knowing the battlefield and you're learning well already

perpulchra

[Glenn UK]

in 12 months you,ll be in a much better position.

perpulchra

 

FWIW I used Payplan who are a charitable trust as i believe CCCS are.

 

I would say in fact from the moment you speak to an advisor at one of these organisations you will be in a better position. I know thats how i felt.

 

So i disagree it wil take a lot less to feel in a better postion, you may not have any more moeny in your pocket but at least things will begin to come under control right from the start.

 

HTH

 

Glenn