charleyfarley v Abbey Round 2

[charleyfarley]

Reply received from the Abbey, telling me all about the "test case" and the FOS and FSA and stays and what to do if I live in Scotland...all useful irrelevant stuff, but I feel a LBA coming on, stating my belief that my circumstances fall under the hardship guidelines, and please can I have my money back after all;)

 

 

 

That's a reply within 7 days from them, so it's pretty quick, which is a change from last time, when they seemed to do everything at the last possible minute of any deadline:(

[charleyfarley]

LBA sent , outlining hardship criteria, and how my circumstances fall within the FSA guidelines.

 

14 more days waiting;)

[charleyfarley]

Abbey are showing signs of being efficient........reply to my letter just received, asking for financial information and evidence of hardship.

 

If I'm completing this information for them, I wonder what they'd say if I asked them to provide me with a detailed analysis of their charging regime;)

[kia]

hmmm true cf and no i havent not been well il do it soon though xxkia

[KnellyK]

Well CF...........................What happened next?

[charleyfarley]

Well CF...........................What happened next?

 

 

Sorry KK, that's in next week's episode:)

 

 

 

Actually, I decided that , while I could definitely do with the money, the large majority of the claim was interest charges, and I thought rightly or wrongly, that if Abbey paid up without arguing about it:eek::eek: that I would risk losing out on this interest. So I thought I'd hang fire on this Abbey claim, and pursue my A&L claim under the hardship rules instead, which is more recent, so more charges and less interest.

Edited June 16, 2009 by charleyfarley

[KnellyK]

I'll watch the omnibus on Sunday then!

[kia]

im gonna work on my spreadies next few days cos i do want it back now 1et u know when they is done xxxxkia

[charleyfarley]

im gonna work on my spreadies next few days cos i do want it back now 1et u know when they is done xxxxkia

 

 

kisskiss, can you give us a bit of warning before you write such shocking things in a post!!!!!!!!!!:eek:

 

 

also, be careful with your 1's and l's in your spready or you'll be asking for loo's of pounds instead of 100's:)

[kia]

1mfao this is so true never thought of that cou1d be interesting there rep1y :Dxxxkia

[KnellyK]

It's flippin' dusty in here as well!

 

 

 

I've found an old hairy werthers, a couple of empty bottles and a pair of see thru's ~ so what are you wearing CF?

[kia]

i think maybe the broom :Dxxxkia

[KnellyK]

This is an October bump!

[charleyfarley]

This is an October bump!

 

 

I refer you to post #56

 

 

now let Rip van Winkle go back to sleep :)

[kia]

okey dokey wee wi11y winkey :pxxxkia

[KnellyK]

Oi, Rip

 

 

 

Are you still sleeping?

[charleyfarley]

Don't you hate it when you're asleep, and someone goes.."ARE YOU AWAKE?":rolleyes:.I am now

 

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/139905-h-o-l-test-140.html#post2579323

 

A decision on 19th November maybe............it'd be great if it was tomorrow, I'd smile lots and lots:D:D

[KnellyK]

Don't you hate it when you're asleep, and someone goes.."ARE YOU AWAKE?":rolleyes:.

 

I think you'll find I asked if you were asleep!

 

I am now. Good!

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/139905-h-o-l-test-140.html#post2579323

 

A decision on 19th November maybe............it'd be great if it was tomorrow, I'd smile lots and lots:D:D

 

 

CF It's only 17th tomorrow.......................so, you'll have to find something else to celebrate! ;-)

[charleyfarley]

CF It's only 17th tomorrow.......................so, you'll have to find something else to celebrate! ;-)

 

 

so I will...........now let me think:p:p:p

[KnellyK]

Keep thinking, you'll find something to celebrate soon!

 

 

 

 

 

 

 

By the way......................

 

 

 

 

HAPPY BIRTHDAY CF!

[charleyfarley]

thought i'd get my spreadsheet going with that statement information i've already received.

 

It's good how the 8% adds up quicker on the older charges, so the claim value currently stands at £1800 to include £450 in interest.

 

quick update of the SS,and I've earned £250 in interest while I've been waiting:D

[charleyfarley]

now then, I'm a generous person, so a 7-day LBA to the Abbey quoting Clause 5, and then it's N1 time

 

 

 

 

 

and as I'm a layabout benefit scrounger, it'll cost me nothing

Edited November 26, 2009 by charleyfarley

[kia]

Keep thinking, you'll find something to celebrate soon!

 

 

 

 

 

 

 

By the way......................

 

 

 

 

HAPPY BIRTHDAY CF!

did i miss it awwwwwwww sorry forgot HAPPY BIRTHDAY CF XXXXXXXXXXXXXXX from kiss kiss kia

[charleyfarley]

Well, here we go............a very nice letter today from Richard Harris, Head of Complaints, saying they do not believe there is any legal basis on which the amount of the charges can be challenged.

 

Interestingly, the words 'Test Case' and 'Supreme Court' don't appear in the letter at all

 

and I've had the identical letter from A&L................ also from Richard Harris, Head of Complaints:D

 

he must be a very busy bloke just now;)

[itsamomentintime]

so whats next?