foxy v abbey

[FOXYLADY1970]

Hi everybody im in the process of claiming £1400 back from abbey for bank charges for the last three years they have charged me.

 

Lucky for me im one of those people that keep things in loft for years, my sister informed me few months ago about claiming charges back from banks, at first I thought she was having me on but after reading the acticles online and reading about it in the national papers i thought why not try. So in February I did the first letter asking for my money back, as lots of you have found out yes I to received the standard letter telling me that they needed 28 days to look at my case. I then send the second letter saying that i did not accept this as I thought they was trying to prolong the case I then gave them 7 days to respond to my letter or I would be taking them to court. After 14 days I have now taken the matter up with moneyclaims and a court order has been issued so 14 days to wait

fingers crossed

 

If there is anybody out there in the same stage I am or any advise anybody can give please answer

 

thanks guys/girls

[Lula]

Hi FoxyLady, didnt I used to speak to you on ebay? do you live in the home of football and rugy, hence the name?

 

anyway, all you do now is wait and read up on some threads, they all follow the basic pattern, so when you get something from them, probably a copy of their defence (and I use the term lightly ) and perhaps a 50% offer, come back and let us know.

 

take care and welcome

[newbody]

Hi foxy as we are at about the same stage will just post and say hi and add you to subscriptions to see how you are getting on and so forth

[FOXYLADY1970]

hi thanks for that dont no how to add you to subscription i just read up on threads ?????? essex girl what do you expect ha ha

[newbody]

it automatically adds when you post or at top of the thread you have a button saying thread tools it in that as well to subscribe

[FOXYLADY1970]

Well I have completed my AQ and sent back to court so will see what happens next.

 

how long does it take before I will hear back regarding what happens next?

 

Any advise would be great would love to hear from anybody in same stage of claim.

 

Would also like to thank GaryH for all his information that he has on this site you all do a great job and without your information and support I would have given up long ago on this.

[FOXYLADY1970]

yes found it thanks

[Luce20]

hey foxy, i have received a letter saying they are defending my claim in full. also received a letter from their solicitors asking me to send them my account number & schedule of charges etc and how i've calculated them. how you getting on? i really hope it doesnt get to the stage where i have to put together that bundle which apparently takes over 20 hrs!

 

they're just doing it to drag it out, as if they havent got enough work to do. oh well, they're wasting more money paying employees to mess about with customers.

 

[FOXYLADY1970]

hi lucy yes i have had that letter to so sent in stuff once again must be the third time I have done that james arrandale is a busy man hay. have you filled in your AQ or not had one yet.

 

I have started to put bundle together just in case its sitting on my computer ready to photocopy if they ask for everything thought I would be ready just in case.

 

Have you had any contact via telephone or emails?????I have not tried any of those approaches yet.

 

keep me updated on your case

[FOXYLADY1970]

hi lula no im not the person you thought I was.

 

Just to let you no how things are going abbey filed a defence against me but i didnt receive a AQ from the court which seems to be the thing they are doing but i called local court who I asked to send one out to me not sure if that was a good idea or not but received one the following day which I have completed and returned.

 

Not sure what happens next but I have read up on plenty of threads so think I know what I am doing I have started to get my bundle ready as its going to take some time to get together everything.

 

I have had a goodwill gesture paid into my account for £275.00 which i wrote back and said I did not accept as final settlement and that I would continue to claim from a court for the full amount.

 

lucky for me my claim is under £1500 so i didnt have to pay the £100.00 extra that they have been asking for at the AQ stage.

[charleyfarley]

Hi Foxy,

 

What date did you file your AQ?

[FOXYLADY1970]

posted 7th April but obviously being bank holiday court would not have got it until tuesday have you heard anything yet?

[charleyfarley]

No, but I only delivered mine on Tuesday(10th). I make it six of us have filed AQ's within 48 hours of each other, so it'll be interesting to see how things progress.

[FOXYLADY1970]

yes i noticed there is a few of us at the same stage will be intresting to see who hears first was your AQ sent with your defence or was it left out like mine was?

[charleyfarley]

I received the Abbey's AQ last week, which was handy because it gave me a chance to see how they were thinking before I filled in mine. I asked for my claim to go fast track because it's over £8K now, so I wanted the Judge to go for standard disclosure which speeds things up, but I don't expect to hear anything for a month or so.

[FOXYLADY1970]

Without hearing

 

it is ordered that :-

 

1. the filing of an allocation questionnaire be dispensed with in this case unless the district judge at the court of transfer orders otherwise...

 

etc...

 

just looked at my letter from court and above is what i got.

 

I did still fill in a AQ so waiting to hear back from the courts or abbey now

didnt send them copy but i suppose the courts will send them copy

[FOXYLADY1970]

Hi everybody I have spoken to the court today that have told me it is now is fast track (what doesn that mean? ) and that directions are being done now so I should be receiving them in the post in next few days so i think at this stage i should now be getting together my court bundle etc can anybody advise on what else they might require I have done statement of evidence and copied all statements done my spread sheets for charges and intrested etc copied all letters that I have send and abbey have sent me

 

Cheers Foxy

[philread1]

Hello Foxy

 

Going fast track is a positive. You can order standard disclosure from the shABBEY by going down this road! Do you think the shABBEY are going to want to disclose in court how they come to the charges they have put on you over all these years?!!!!!! I don't think so!!!!!!

Sit tight, wait for the correspondence from the court, and expect a settlement from the shABBEY a short while after!!!!!!

 

Keep us informed!

Phil:)

[noobrider]

Hi Foxy, download the court bundle and assemble as per the contents page. You will probably find that you have 14 days in which to submitt to the court and Abbey. Abbey have 14 days from the date they receive yours. Within that time they will settle. Let them approch you though, personally I wouldn't contact them.

 

In another thread you asked about fast track. The main benefit from this is it requires standard disclosure and this is another reason for the bank to settle early...they will not disclose their true costs. Essentially you have all but won at this stage.

[FOXYLADY1970]

Thanks phil yes very pleased to hear that.

 

Will let you know when i get letter from court and what directions say.

 

thanks for help support that everybody has given me.

[FOXYLADY1970]

thanks for advise will just sit tight and wait and see what court have said in directions.

 

fingers crossed x

[charleyfarley]

Foxy,

 

This is looking good. As the others have said, Fast Track is a good thing. Looks like the drinks are going to be on you,girl:)

[charleyfarley]

Foxy,

 

I know it's not exactly the same situation but have a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/53938-heidi-abbey.html

 

post#19

[FOXYLADY1970]

thanks charley already seen that one

 

When you send it your court bundle can you claim back your costs ie ink and time preparing and is there any letter that you can use?

[charleyfarley]

Foxy,

 

I've just been re-reading your thread. I'm surprised you've been allocated to the fast track as your claim is for £1400, but it's great if it has. You claim the costs during the final negotiations with Abbey's legal dept..........generally on the phone or by e-mail.