Seminole v Abbey: £10,235 RECEIVED

[Lula]

no problems pussycat 8-)

[Seminole]

Yes, I really must change that avatar.

[alexaflitter]

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

[Lula]

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Hello and Welcome I have not been here that long myself but what I have learnt so far is that they will try and frighten you with jargon you dont understand, they will wriggle and fight at every turn but if you keep faith and do everything that is in the FAQ's and standard forms then you will win, because no one has yet lost.

 

If you read the FAQ's thoroughly and read a few of the threads on here (honestly it is better than a soap opera) you will learn what to do and in what order to do it. Your first port of call is to aquire all your bank statements for the last 6 years, you may have to request them from the bank, there is a template letter for you to use, send them £10 with it, this is the maximum that they are allowed to use, and in about 40 days you "should" receive them, there is also an excel template that you can add up all the charges. If you require any more help then, the best thing is to start your own thread and there will always be oneof these wonderful people on here that is around to help you out

 

best regards and good luck

 

Julia

[Seminole]

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Please could you start your own thread. Thanks.

[mechs]

I bet if you owed them some money from yonks ago they would be able to find that bit of evidence in their filing system, what a disgrace mind you I am having much the same from the Halifax, so nothing surprises me

[lynzpower]

Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

[powerful_rogue]

This is a very interesting topic. I received a letter back from Abbey today stating once again that information held on microfiche is not covered under the DPA. This was in reply to the microfiche letter at the top of the forum.

 

Im now stuck with what do do. Do i just sit and wait for them to arrive, write them another letter, or start court proceedings to get my statements?

 

In the meantime, im going to sit here and eagly watch this thread!

 

Good luck to you.

[Seminole]

Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

 

Except this thread is about Abbey!!!

[terryuk73]

Had a look back through the printouts that Abbey has sent me and it appears that some of them are actually from microfiche.

 

Have a look see if yours are the same.

 

What you are looking for is what looks like a verticle list of transactions that looks like a computer print out, however at the bottom it will have either:

 

**** ACOUNT CONTINUES ****

**** END OF ACCOUNT ****

 

If you have prints like these then they have already given you some of the information from micofiche, which blows the whole difficulty issue out of water!!!!!!!

 

I'm looking forward to Abbey explaining this one away in court

[cwoj]

This is a great thread and i wish you the best of luck. I find that i too am in a similar position although you are weeks ahead of me. Good Luck

[joneshousehold]

Have only just found this thread. It's fantastic stuff. Good luck with this. I have my fingers crossed that Julia gets her statements and then Abbey and that rude solicitor will have red faces!

[sharont1]

am in a similar position to you am about to file the N1 claim re failure to comply with a DPA request. all the best to you.

s

[Seminole]

So you know I have given up reading "books" because this site is more enthrawling than any novel )

 

and Seminole, if I do get my statements and you do need a witness statement or even a witness then I will be more than happy to oblige

 

Hi Julia, did you get them through?

[Lula]

Hi Julia, did you get them through?

 

Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

[Seminole]

Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

[Lula]

Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

 

Well, I rang them and the lady on the phone said that there was a big delay blah blah blah, and I asked her what that had to do woth me as I was assured that my statements were in the post last Wednesday? She said that she had to not on my file to back this up, I told her that she needed to look on the complaints log as it was on there.

 

She got a little more to the point when she realised that this was a person who understood how these calls were logged

 

Well she went off for a while and apologised profusely and stated that she had "found" it in the log and that they werent in the post at all (surprise surprise) so she "promised" me that they would now take priority and that i would definately have them by Friday and she (without prompting) gave me her name and a reference number to get back to her if they didnt arrive!8-)

[Jane Austen]

Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

[Lula]

Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

 

I never mentioned them and neither did she, at this stage, I thought it better not to mention them as I think it might be getting somewhere, if I get them Friday this will be a big plus for everyone who is being battered by the MA and I will be willing to sign an affidavit listing all this should anyone want to go to court.

 

Of course the Information Commissioner might be interested too

[Lula]

Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

 

 

So are they there, come on man (?) you havnt time to each your dinner and watch emmerdale, what have the Scabbey said?

[Movingon]

Good god woman - you posted EXACTLY what I was thinking... LMAO. I held back... I thought "Let a man get his tea"... but you Couldn't Let It Lie™...

[Lula]

Good god woman - you posted EXACTLY what I was thinking... LMAO. I held back... I thought "Let a man get his tea"... but you Couldn't Let It Lie™...

 

Tom, I am a woman used to getting what I want

[mahala]

and what will you do about the "order as to costs"? I think they should be paying the court costs, for making you get this far in the first place.

 

After all the bluff and threats in the letter sent previously, they obviously sent the info to get out of going to court. As far as I can see, despite their statements to the contrary, they are not as sure of their ground as they would have us think.

 

I'd want me thirty quid back too!

 

I shall be filing form N1 tomorrow unless the postie has a parcel from Abbey for me

[Seminole]

Had to pop in to see my Dad. Yes, they're all here and go back to 1/3/99. I've had a quick flick through and I spotted one month which I think was just shy of £500. I'm going to add everything up this evening and post the total here.

[Seminole]

Crap, crap, crap.

 

Grand total is £8,196.50 plus interest of £3.050.74= £11,247.24

 

No wonder they didn't want to send me the bloody statements.