Abbey bank charges

[Amethyst]

Re: Abbey bank charges

well done....do you want to email your completed spreadie to either amy or myself

amy@legalbeagles.info

mine is amethyst@legalbeagles.info

then we can have a look and sort out the interest - probably easier to see where you are up to and explain if we have it in front of us.

[bloomingflower]

Re: Abbey bank charges

Many thanks my little flower
I got the forms today after speaking to ronan yesterday i think my case is a very good one so i am putting together a spreadsheet and also sending copys of various money demands etc should i kepp on his case ??
Thanks
Judy

Hi Judith

Yes. Be as subtle as a sledgehammer lol

Seriously tho, once you have prepared your spreadsheet with correct interest and got all your paperwork sent off do follow up your claim every now and again. It may not be quick I'm afraid and it could take from anything up to 8 weeks for Abbey to get back to Ronan and yourself for a final decision. This also gives him time to liaise with Abbey, ( and for Abbey to examine your claim ) so it could be a long process. At the same time you can try and ring Ronan every other day, so that he knows you mean business and wont be fobbed off. He got so fed up with me calling him lol, but on the other hand my persistence paid off.

I received a letter regarding rent and council tax arrears,( level of arrears were high ) my o/hs case was urgent and had to be addressed.

He will send all your paperwork off to the relevant hardship department, then, once Abbey have made a decision, they will send your paperwork back to Ronan. In turn, he will get back to you, hopefully offering you an interim payment.



Good luck with this ! Hope you get a result.



Bfxx

[judith]

Re: Abbey bank charges

Thanks alot will let you know how i get on
Thanks again
Judy
------------------------------- merged -------------------------------
Hi
Have sent it over to you also the spread sheet is only for 5 years not 6 i have tried so mant times to get this from the abbey but they just wont give it to me, also the 6th year that is missing would have a large amount of charges on it ??
Thanks again
Judy

[Amethyst]

Re: Abbey bank charges

we could estimate that year (an average of the other 5 years)...then abbey can confirm or deny.

Am just having a look at your spreadie now.


You are doing really well - Have you the IE form from Abbey or are you going to use the Beagles version?

[judith]

Re: Abbey bank charges

what is the IE ??? sorry
judy
------------------------------- merged -------------------------------

we could estimate that year (an average of the other 5 years)...then abbey can confirm or deny.

Am just having a look at your spreadie now.


You are doing really well - Have you the IE form from Abbey or are you going to use the Beagles version?

SORRY yes i have the IE form it came in the post today
Thanks
Judy

[Amethyst]

Re: Abbey bank charges

Cool.

Okay, where did you start your claim ? (another site?)

Normal stat interest on your charges comes out at £1845.96 total £6642.96 with the charges.

Just wondering if you started the claim with compound interest etc.

[judith]

Re: Abbey bank charges

Hi
I strated my claim on the 26th of feb 2007..... what is STAT ??
Thanks
Judy

[enaid]

Re: Abbey bank charges

Hi
I strated my claim on the 26th of feb 2007..... what is STAT ??
Thanks
Judy

Statutory Interest the 8% you put on your claim at court stage Enaid x

[judith]

Re: Abbey bank charges

many thanks
also what is compound ??
thanks
judy
------------------------------- merged -------------------------------

Cool.

Okay, where did you start your claim ? (another site?)

Normal stat interest on your charges comes out at £1845.96 total £6642.96 with the charges.

Just wondering if you started the claim with compound interest etc.

Is that also including the 6th year statement that abbey wont let me have ??
Thanks
Judy

[Amethyst]

Re: Abbey bank charges

Nope thats the 5 years you have.

Your charges go up to April 2005....did you close your account then, ie is the 6th year 1999 or 2006 ?

Just wondered which website you started your claim with as some sites have different ideas on the interest front and calculations can be different which might account for the discerpancy in the figures.

I'll upload the spready for you with the standard simple statutory interest here in a tic.

[Amethyst]

Re: Abbey bank charges

I have the .ods original the attached wont be able to be edited.

[judith]

Re: Abbey bank charges

Thanks
Getting a bit confused now some one said yesterday that they would also include the 6th year which the abbey will not send me i have tried so many times to get this sent to me but it never does come ??.
It was said yesterday that they woud include the missing 6th year by working it out per/year
Hope this
helps
Thanks
Judy

[Amethyst]

Re: Abbey bank charges

Yes but is the 6th year 1999 or 2006 ? It makes a big difference interest wise.

[judith]

Re: Abbey bank charges

Yes but is the 6th year 1999 or 2006 ? It makes a big difference interest wise.

thanks its 1999,i still have a abbey account but never have used it for a few years now.
thanks
judy

[Amethyst]

Re: Abbey bank charges

sorted will do an estimate for that year then brb.


Okay Totals -
Charges £5,083.50
Interest £2,041.06

Estimated for 1999 (included in above) £256.60 (approx 1 charge per month) interest is £175.49


With the hardship claim it is unlikely you will get pre six year charges returned. So you are really only looking at 65% of £3848 charges plus £1279.44 (5127)

So a payout if Abbey run true to form of £3332 in the interim until the outcome of the test case.


Of course in the letter you'll ask for the full amount of £7124 and let Abbey break it down.


It would be very very useful to see your original paperwork you entered to court (Particulars of Claim that you used on the claim form for the court etc).

If you can scan or paste tht in we can get the letter completed so you can send on Monday.