** SUCCESS ** hoops-morton ~v~ Abbey

[hoops-morton]

Re: Help needed

There is only on AoE , and I am paid weekly so I think you are likely right that it will start next week,:cry: have been speaking to my solicitor who says there is nothing that can be done on this , I can only hope my claim is agreed to.

Thanks very much Wendy for your help.

[WendyB]

Re: Help needed

attachment of earnings (AoE) have to be acted on by your wages department. So it depends how quickly they act on it, tbh. Are you paid weekly or monthly. If monthly then you've probably got away with it for this month. If weekly then you might find it starts next week. The employer is obliged to act on the AoE as soon as is practible and reasonably possible, and they have to send all deductions to the council by a certain date in the month, which I think is 19th. Is there one AoE or two? You can have no more than 2 at a time taken from your wages.

[hoops-morton]

Re: Help needed

I was served an arrestment of wages notice (for council tax)( well it was posted to me dated last friday ), anyone know how long it takes to come into effect after it arrives,it got here on Monday 23rd. My wages are calculated on the same day but from the head office of the company and not the regional office where the notice was directed to so I dont think it will start on friday this week,but Im not sure.

My appeal under hardship grounds has now been with Abbey for a week,I know its a bit early but so far no word,although I did check that they had received it , sent it before 1pm next day delivery.

Any thoughts?

Re: Help needed

Tuttsi, you are a star wish me luck!:tinysmile_grin_t:

Wishing loads of luck

[hoops-morton]

Re: Help needed

Tuttsi, you are a star wish me luck!:tinysmile_grin_t:

Re: Help needed

Can anyone give me the address for Abbeys legal department or whichevrone deals with hardship claims, all my documents are ready to go. many thanks

Legal Dept - if you have a claim already stayed at the courts. Quote your court claims number on your letter and of course your account number.
Ronan Coyle
Abbey National House,
2 Triton Square,
Regents Park,
London
NW1 3AN



Mr Richard Harris
Head of Complaints
Abbey National PLC
PO Box 5129
Milton Keynes
MK9 2YN

[Birdie]

Re: Help needed

I f I can persue my claim under hardship case then it would allow me to clear at least most of my debt and stop incurring further charges which are cripling me .

They are bouncing dd's for £4;; twice and charging me for it twice plus unauthorised overdraft payments plus interest , its just madness!


My claim has been lodged for nearly two years now but the charges are now totally out of hand.

im at my wits end.

Hi Hoops

I'm sure someone will be along soon with the address that you need,

In the meantime, whilst you are sorting the charges, court stuff out, I really recommend (from personal experience!!) that you urgently open another account - a basic bank account, with a different bank and have your money paid into the new (parachute) account, with no overdraft. Then use the parachute account to pay your bills, you'll then gradually come out of the quagmire as you will start to be back in control of your finances!

Start threads on here for your credit cards and any loans and start posting up what you have done so far with these.

Hope that helps.

[hoops-morton]

Re: Help needed

Can anyone give me the address for Abbeys legal department or whichevrone deals with hardship claims, all my documents are ready to go. many thanks

[hoops-morton]

Re: Help needed

I am on hold with their legal department, but have letter acknowledging my claim from a Richard Harris I sent it to him by recorded delivery!
I hace receipt for its delivery.

I would think it will go to their legal department

Thanks for all you help,it is appreciated!

Re: Help needed

Hi Hoops

Are you at court stage with a bank claim or is this a new claim! If you are already at court stage it is their legal department. Let me know and I will give you the correct address.

[hoops-morton]

Re: Help needed

Thanks for your help I am grateful I have now completed a charges spreadsheet and an income expenditure sheet I am drafting a letter explainig why I am claiming , is there an address for Abbey?

[WendyB]

Re: Help needed

Also, are there any charges on your credit cards that you could reclaim? If so, then start a claim for those, as they are not covered by the OFT case and will not be stayed. This could be a way to reduce your debt to them.

Unfortunately there is no way out of the liability order, and if they do get an attachment of earnings then they will take it straight out of your wages. They write to your employer, not just yourself, and the employer is legally bound to make the deductions. You can have a maximum of 2 attachments at any one time. The good news is, that by the time they apply for the AoE and get it to your employer the end of this month will more than likely have come and gone, so no action till at least the end of March. By which time you might have a result from Abbey re hardship. So there is light at the end of the tunnel.

Re: Help needed

Hi Hoops

Welcome to Legal Beagles.

Please can you if you have not already done so complete a speady of your charges http://www.legalbeagles.info/forums/...ead.php?t=4776

Can you also complete an Income and Expenses schedule http://www.legalbeagles.info/forums/...ead.php?t=5102 - you can PM it to one of the site helpers or myself.

You then need to gather all the evidences together - ie your arrears situation, continued bank charges etc etc...

Then you will need to write a letter to Abbey under the hardship rules, explaining how your situation has worsened due to the loss of job and breakdown of marriage etc. We can help you with this once you have got together all the above. It is important not to use templated letters as it is better if it does not look stereotyped. Your claim needs to be nicely packaged so that your matter can be dealt with quickly. Having said that most banks are taking 4-8 weeks. But once your letter and accompanying evidences have been submitted you can then start phoning to push for a settlement.

My own Hardship claim took 4 weeks with Abbey and I then received an interim payment of 65%, some have received higher but mostly arround this figure.

We will help youn all we can.

[hoops-morton]

Re: Help needed

It is for £1400 and with another order to come for £800, liability order granted 1 week ago for larger ammount 14 days to reply, currently owe credit card £3400 and welcome £3000, per month to avoid any action for the moment to hold any action . overdraft ( £2150 )

My rent is £500 pm gas £64 per month electricity £48 per month current council tax is £140:00p per month Bank charges £ 250 (average figure since October) Tel etc £60:00p per month various insurances £20 p/m travel to work is £120:00p per month welcome £80:00p/m .

My average monthly take home is £1280 as you can see it just doesnt pan out.

I f I can persue my claim under hardship case then it would allow me to clear at least most of my debt and stop incurring further charges which are cripling me .

They are bouncing dd's for £4;; twice and charging me for it twice plus unauthorised overdraft payments plus interest , its just madness!


My claim has been lodged for nearly two years now but the charges are now totally out of hand.

im at my wits end.

I basically lost a well paid job and have struggled since then my marriage of 23 years, has broken up nearly two years ago and I blame the stress of all this on it .

[WendyB]

Re: Help needed

Hi

How much do you owe to the council tax? Is there already a liability order? When was the liability order granted, if there is one.

They can do an attachment of earnings if you are working, there would be a set percentage taken each week/month, depending on what you earn.

Please tell us as much detail as possible about your situation, so we can best help.

include everything you can think of, even if you don't think its relevant. We'll pick the bones out and sort out the relevant bits.