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Ladidi v Abbey - settlement offer ** SETTLED**

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  • Re: Ladidi v Abbey - settlement offer ** SETTLED**

    Here's my spin on it

    Dear XXX

    Thank you for the interim repayment of charges, received on xx/xx/xx, which were unlawfully taken from my account. You will be aware that
    I do not consider that your goodwill payment of £xxx in full and final settlement of my claim and I expect Abbey National PLC to abide by the guidelines of the FSA waiver from its complaint handling rules and particularly those guidelines which apply to a firms attempts to resolve a bank charges complaint after 27th July 2007.

    Since this interim payment my husband, Mr XXXXX, has become unemployed due to illness and no longer receives any income. I am now the sole earner which has meant a drop of 75% income per month. We have reduced our expenditure as far as possible, but we do not have enough income or benefits to meet our
    essential monthly outgoings.

    You will be aware that there is an amount outstanding totalling £1362.13 charges and interest thereon which currently totals £170.33. Total amount payable from yourselves £1532.46

    I enclose an updated income and expenditure sheet to give you our current financial situation, as well as copies of letters from our priority creditors, outlined below.

    Mortgage on home - £2800 in arrears

    Council Tax - £499.95 in arrears

    Secured Loan - £800 in arrears

    We have contacted the Consumer Credit Counselling Service and we are currently negotiating with all our creditors and mortgage lender for some respite until my husband recovers is able to find new employment.

    It would greatly assist us if you could help us by paying the balance of our outstanding claim, as detailed previously. We will accept part payment direct into our Abbey account to clear the account balance due, with remainder by cheque to pay our priority debts.

    Thank you for you time in this matter.

    Yours Sincerely

    Comment


    • Re: Ladidi v Abbey - settlement offer ** SETTLED**

      Dear XXX

      Thank you for the interim repayment of charges, received on 29/07/2008, which were unlawfully taken from my account. You will be aware that I do not consider that your goodwill payment of £4000.00 in full and final settlement of my claim and I expect Abbey National PLC to abide by the guidelines of the FSA waiver from its complaint handling rules and particularly those guidelines which apply to a firms attempts to resolve a bank charges complaint after 27th July 2007.

      Since this interim payment my husband, Mr XXXXX, has become unemployed due to illness and no longer receives any income. I am now the sole earner which has meant a drop of 75% income per month. We have reduced our expenditure as far as possible, but we do not have enough income or benefits to meet our
      essential monthly outgoings.

      You will be aware that there is an amount outstanding totalling £1362.13 charges and interest thereon which currently totals £170.33. Total amount payable from yourselves £1532.46

      I enclose an updated income and expenditure sheet to give you our current financial situation, as well as copies of letters from our priority creditors, outlined below.

      Mortgage on home - £2800 in arrears

      Council Tax - £499.95 in arrears

      Secured Loan - £800 in arrears

      We have contacted the Consumer Credit Counselling Service and we are currently negotiating with all our creditors and mortgage lender for some respite until my husband recovers is able to find new employment.

      It would greatly assist us if you could help us by paying the balance of our outstanding claim, as detailed previously. We will accept part payment direct into our Abbey account to clear the account balance due, with remainder by cheque to pay our priority debts.

      Thank you for you time in this matter.

      Yours Sincerely

      Comment


      • Re: Ladidi v Abbey - settlement offer ** SETTLED**

        Dont Send Anything Yet
        #staysafestayhome

        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

        Received a Court Claim? Read >>>>> First Steps

        Comment


        • Re: Ladidi v Abbey - settlement offer ** SETTLED**

          total outstanding claim £1748.15 inc 8% plus the court fee
          #staysafestayhome

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          Comment


          • Re: Ladidi v Abbey - settlement offer ** SETTLED**

            Dear XXX

            Thank you for the interim repayment of charges, received on 29/07/2008, which were unlawfully taken from my account. You will be aware that I do not consider that your goodwill payment of £4000.00 in full and final settlement of my claim and I expect Abbey National PLC to abide by the guidelines of the FSA waiver from its complaint handling rules and particularly those guidelines which apply to a firms attempts to resolve a bank charges complaint after 27th July 2007.

            Since this interim payment my husband, Mr XXXXX, has become unemployed due to illness and no longer receives any income. I am now the sole earner which has meant a drop of 75% income per month. We have reduced our expenditure as far as possible, but we do not have enough income or benefits to meet our essential monthly outgoings.

            You will be aware that there is an amount outstanding totalling £1748.15 charges and interest thereon which currently totals £170.33. Total amount payable from yourselves £1918.48

            I enclose an updated income and expenditure sheet to give you our current financial situation, as well as copies of letters from our priority creditors, outlined below.

            Mortgage on home - £2800 in arrears - Court proceedings for repossession will commence unless payments are bought up to date.

            Council Tax - £499.95 in arrears - No payments made bailiffs will be issued for removal of goods from the home.

            Secured Loan - £800 in arrears - Court Porceedings for a reposession order will commece unless payments are bought to date and arrears cleared.

            We have contacted the Consumer Credit Counselling Service and we are currently negotiating with all our creditors and mortgage lender for some respite until my husband recovers is able to find new employment.

            It would greatly assist us if you could help us by paying the balance of our outstanding claim, as detailed previously. We will accept part payment direct into our Abbey account to clear the account balance due, with remainder by cheque to pay our priority debts.

            Thank you for you time in this matter.

            Yours Sincerely


            * No courts fees paid by ourselves as we was exempt hun *
            Last edited by Ladidi; 8th January 2009, 14:06:PM.

            Comment


            • Re: Ladidi v Abbey - settlement offer ** SETTLED**

              nice one

              change this bit.

              You will be aware that there is an amount outstanding totalling £1755.47 charges including interest at 8% PA which is increasing the total at a rate of £0.10 per day


              check the 75% drop figure, and do a spell check, add your IE and sorted

              Don't expect this to be dead simple tho.
              #staysafestayhome

              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

              Received a Court Claim? Read >>>>> First Steps

              Comment


              • Re: Ladidi v Abbey - settlement offer ** SETTLED**

                Spreadsheet to 8th jan
                #staysafestayhome

                Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                Received a Court Claim? Read >>>>> First Steps

                Comment


                • Re: Ladidi v Abbey - settlement offer ** SETTLED**

                  Its Abbey Im up against so well done to you!
                  'Be Traist'

                  Comment

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