Travel girl - Hardship claim - offer received

[travelgirl]

Re: Travel girl - Hardship claim

thankyou scooby i will try and do it for you the money was a GOGW, and that was taken off and the repeated charges from jan 9 th 07 till june 26 07 i disagree with as the charges from 9th jan carried on month after month till they shut my account without notice which i have put to the fos for conpensation so the charge should have been one only not 5 months worth of the same cahrge each month from 9th jan 07..... as there would not have been any as i change to po account as i was fed up of them takeing my benefits so i do refuse to pay them as so did the abbey advisor tell me that they shouldnt have done that carried the same charges on and on i told the debt agencies this and abbey kept going to diffrent ones and again i told them the same story and they said they are returning the case back to abbey so no one would take on abbey for repeated charges. i will see now if i can do that letter for you take care
travel girl

[travelgirl]

Re: Travel girl - Hardship claim

Dear xxxxxxx

YOUR COMPLAINT ABOUT ABBEY XXXXXXXXXXXXXXXXXXXXXXXX

Thankyou for your recent letter received in respponse to my emails dated 15/16th april 2008.

I have considered the additional information you have supplied but even after taking it into account I still consider it unlikely that more investagation would result in a different outcome.

I say this for the following reasons:

. My understanding is that you are seeking compensation as you believe that the bank closed your account in retaliation to your claim for a refund of bank charges.
In light of this I have made futher enquires.


The bank has now responded to us the bank says that your account was closed in june 2007 when it was reffered to its debt recovery dept in respect of an ourstanding overdraft of £329-75. the bank says that the debt had been these circumstances since feb 2007 and you had not made any payments to it in these circumstances I am persuaded that the bank closed your account due an outstanding unpaid debt rathen than in retaliation to your claim for a charges refund as such I am unable to uphold your complaint in this reguard.

I futhure understand that you think the bank should refund the charges you dispute as you Meet the criteria for finacial hardship in this regard I should explain that neither the bank nor this service dispute the financial difficulties you are currently experiencing however this does not mean that the bank is oblidged to refund the charges you have disputed ahead of the finall outcome of the current legal proceedings relating to bank charges.

Having said this the banking code requires that banks should treat customers in finacial difficulty postively and sympathetically so I have considered whether or not this has happened in your case.


In this regard the bank has told us that it has looked at your complaint about financial hardship however it does not accept that it is under any obligation to do any more than it has at this stage.
Having considered the position very carefully I am inclined to agree with the banks assessment I say this because the bank has told us that your account has veen suspended and it is currently not pursuing you for the outstanding debt as such the bank appears to be meeting its obligation under the banking code.

For the reasons stated above I think its approopiate for your complaint to remain on hold probably untill the legal position has been clarified however if you disagree please contact us by 8 july 2008 to expleain your postion

If you have not responded by this date I will assume that you are satified that your complaint about the charges applied to your account will remain on hold until the legal next steps have been sorted out.
You do not need to do anything else right now. We will be intouch with you when we have news to report.

END


Now for my comments to this letter……..
1. letter sent to sandra greene aplogising for the delay due to health and being in hosp with a servere angina attack………………………………………….
2. yes my bank account was closed without me getting any word to tell me they were closing my account. None of the debt recoveries would take on there case due to court proceedings and that the fact was/is these charges were for the same item cheque for £250 pounds my dissability went in the day after, the chatrges for this went on to feb march april may untill they closed my accdount 26 june 07, each month they were repeated charges that’s how they got the total to the amount they are speaking about, I stopped my dissability and moblity going in as they were taking charges out and I had enough of them leaving me with nothing to live on, one week they left me £1 to live on for the 2 weeks I went in crying and told them what has happened and they said sorry but they cannot do anything the lady still works there.
3. they have admitted hardship
4. they did not treat my case with sympathy at all.
5. the is not so the debt recoveries don’t want to handle there case with this they told me they were having nothing to do with it as I have said I spoke to he said that abbey were wrong in repeating the said charges for the same cheque…..
6. here are the dates 9th jan cheque £250 9th jan unpaid cheque £250 11th jan bal carried forward to next statement £124.75 feb-march –april2nd unauth o/d fee £20 2nd april clearence fee £20 april 2nd clearence fee £30 april 2nd clearence fee £30 april 2nd clearence fee £30 april 2nd clearence fee £30 2 april fee £30 unpaid d/d 2nd april £35 2nd april interest charge 38p 2nd april AGAIN £35

A/C Balance £295.73-
Available £295.73-

Same cont charges……….
April 11th 12 may
Balance brought forward from prev statement £295.73
3rd May charge £20 not authorised
3rd may interest £1-19
Balance brought forward £316-92

May june toal charges up to closing account
Bal brought forward £316.92
Interest £6.02 = £322.94

I wrote oro abbey on the 14th and 19th july 07
To close my account as I knew then it was repeated charges from the 9 jan cheque £250.

Sorry its taken so long I still cannot get scanner to work I have typed this out..
Tyvvm hugs
travelgirl
------------------------------- merged -------------------------------
Dear xxxxxxx

YOUR COMPLAINT ABOUT ABBEY XXXXXXXXXXXXXXXXXXXXXXXX

Thankyou for your recent letter received in respponse to my emails dated 15/16th april 2008.

I have considered the additional information you have supplied but even after taking it into account I still consider it unlikely that more investagation would result in a different outcome.

I say this for the following reasons:

. My understanding is that you are seeking compensation as you believe that the bank closed your account in retaliation to your claim for a refund of bank charges.
In light of this I have made futher enquires.


The bank has now responded to us the bank says that your account was closed in june 2007 when it was reffered to its debt recovery dept in respect of an ourstanding overdraft of £329-75. the bank says that the debt had been these circumstances since feb 2007 and you had not made any payments to it in these circumstances I am persuaded that the bank closed your account due an outstanding unpaid debt rathen than in retaliation to your claim for a charges refund as such I am unable to uphold your complaint in this reguard.

I futhure understand that you think the bank should refund the charges you dispute as you Meet the criteria for finacial hardship in this regard I should explain that neither the bank nor this service dispute the financial difficulties you are currently experiencing however this does not mean that the bank is oblidged to refund the charges you have disputed ahead of the finall outcome of the current legal proceedings relating to bank charges.

Having said this the banking code requires that banks should treat customers in finacial difficulty postively and sympathetically so I have considered whether or not this has happened in your case.


In this regard the bank has told us that it has looked at your complaint about financial hardship however it does not accept that it is under any obligation to do any more than it has at this stage.
Having considered the position very carefully I am inclined to agree with the banks assessment I say this because the bank has told us that your account has veen suspended and it is currently not pursuing you for the outstanding debt as such the bank appears to be meeting its obligation under the banking code.

For the reasons stated above I think its approopiate for your complaint to remain on hold probably untill the legal position has been clarified however if you disagree please contact us by 8 july 2008 to expleain your postion

If you have not responded by this date I will assume that you are satified that your complaint about the charges applied to your account will remain on hold until the legal next steps have been sorted out.
You do not need to do anything else right now. We will be intouch with you when we have news to report.

END


Now for my comments to this letter……..
1. letter sent to sandra greene aplogising for the delay due to health and being in hosp with a servere angina attack………………………………………….
2. yes my bank account was closed without me getting any word to tell me they were closing my account. None of the debt recoveries would take on there case due to court proceedings and that the fact was/is these charges were for the same item cheque for £250 pounds my dissability went in the day after, the chatrges for this went on to feb march april may untill they closed my accdount 26 june 07, each month they were repeated charges that’s how they got the total to the amount they are speaking about, I stopped my dissability and moblity going in as they were taking charges out and I had enough of them leaving me with nothing to live on, one week they left me £1 to live on for the 2 weeks I went in crying and told them what has happened and they said sorry but they cannot do anything the lady still works there.
3. they have admitted hardship
4. they did not treat my case with sympathy at all.
5. the is not so the debt recoveries don’t want to handle there case with this they told me they were having nothing to do with it as I have said I spoke to he said that abbey were wrong in repeating the said charges for the same cheque…..
6. here are the dates 9th jan cheque £250 9th jan unpaid cheque £250 11th jan bal carried forward to next statement £124.75 feb-march –april2nd unauth o/d fee £20 2nd april clearence fee £20 april 2nd clearence fee £30 april 2nd clearence fee £30 april 2nd clearence fee £30 april 2nd clearence fee £30 2 april fee £30 unpaid d/d 2nd april £35 2nd april interest charge 38p 2nd april AGAIN £35

A/C Balance £295.73-
Available £295.73-

Same cont charges……….
April 11th 12 may
Balance brought forward from prev statement £295.73
3rd May charge £20 not authorised
3rd may interest £1-19
Balance brought forward £316-92

May june toal charges up to closing account
Bal brought forward £316.92
Interest £6.02 = £322.94

I wrote oro abbey on the 14th and 19th july 07
To close my account as I knew then it was repeated charges from the 9 jan cheque £250.

Sorry its taken so long I still cannot get scanner to work I have typed this out..
Tyvvm hugs
travelgirl

[scoobydoo]

Re: Travel girl - Hardship claim

Well done travel girl

that is what we need posted up.

so basically they are saying that the hardship waiver means that they do not have to refund the charges - just treat you fairly - by not charging you interest on the OD - which was made up of charges - how ridiculous.

I am bumping youup for other opinions on the letter . But firstly I just want you to check and double check your spread sheet to make sure you did not include the charges that were refunded at one stage - Also make sure you have all the bank statement to support the spread sheet. I know you think I am asking the same question over and over again but this is the basis of your claim and if we decide to take it further we dont want it thrown out on a technicality. If it takes a couple of hours to re-enter on the spreadsheet on here then so be it . Then please can you get a statement of the loan that you took out to live on. How much is owed now and what is the interest rate. When did you start the loan and how are you managing the payments.

Scooby

[travelgirl]

Re: Travel girl - Hardship claim

hello all just checking to see if there was anyreplies
hugs
travelgirl
------------------------------- merged -------------------------------
hi scooby tyvvm i took the loan from greenwoods although there interests are high it was a help
no love the charges are not included not at all love i have the bank statements and they were taken to court in jan and DJ Bryce agreed with the new sum to be claimed with interest, he had been through my case/papers personally and this is how he told us at the hearing he had phoned abbey to lift the stay yes he was going to lift the stay but abbey said they would appeal against it with the starting of the oft case he then turned to abbey rep and said i blame abbey for this situation ghee i wish i could have got a copy of the tape the repayments are high but when u are being helped i guess we dont think of it do we after all when im left with a pound odds to last me the 2 weeks what else could i do?
greenwoods loan £250 interest £150=£400 @12-50 weekly
then 21st july renewed £300 interest £180=£480@15.00 a week so you see i had to maintain my payments. the spreadsheet was taken to court the new one and all i was asked to do was to wright to the courts a letter with the amendment of total charges which ive given you as well as interest to be added
hope i have answered all
please dont worry love repeating i understand love
but no debt company is taking it on although abbey tried 3 diffrent ones they wont handle it as i said in my posts
take care hugs
travelgirl
xx

[scoobydoo]

Re: Travel girl - Hardship claim

Any other comments about this letter from the FOS - fight on I say.

[travelgirl]

Re: Travel girl - Hardship claim

morning scooby
oh my
i do agree
i am now wanting to do a letter so i can send to abbey and sandra greene
tyvvm for all your help
hugs

scooby i love your letters lol
hugs
take care
travelgirl
x
------------------------------- merged -------------------------------
LETS FIGHT & LETS GO AND GET THEM
FIGHT ON I SAY
COME IN AND SAY
LETS FIGHT :grouphug:

[travelgirl]

Re: Travel girl - Hardship claim

hello everyone i m not sure if everyone is having a rest cause of the oft case but the groups are fairley quiet ah well

got a letter of sandra greene from fos

saying she got my letter and now awaits an update in answer to her letter and abbys etc as post earlier on here thankyou take care
travelgirl

[scoobydoo]

Re: Travel girl - Hardship claim

Hi

Just bumping your thread up to see if anyone else has any coments on the last letter from the FOS

[travelgirl]

Re: Travel girl - Hardship claim

good morning all i have statements just going throu them as far as i can remember no charges weere added as i always kept to my payments i got in this mess as i said thriou this happening to hubby tyvvm for all your help
hugs
travelgirl
------------------------------- merged -------------------------------
update on me scooby
my health so far i am sure the stress of this has affected me




hello all
how are you all
i am sorry im only popping in but as most of you know i was in hospital, at first i thought it was the eld asmatha playing up but when the pains came i knew but these were diffrent from the angina attacks i have had before as the pains were in my back as well as the front and the crushing it was the same but not in my back, and i didnt have the tingling in my atm/hands etc well the dr came then the ambulance durdurdurdur the sirens going so dr put the equipment on like they do and turned out servere angina attack, so they kept me ion, well not to say did i have a mot they went through me like a dose of salts blood here blood there blood bloody everywhere, u know what there like when they start hahahha
well i was a bit miffed cause they never done this before ok take one lot of blood but not the amount they took aparently when they got results back along they came with more injuctions oh my whats going on and that damn machine when your on it most of the night well i was taken in at 3-30pm and they tood the heart monitor off at 12 midnight then up to the ward was i starving
yes
i asked the night nurse was there a machine etc as i havent eaten since 1pm all of the sudden a nurse shouts we only have one left and its tuna right offhandish she was i said quietly and politely yes please now wait for it i dont like tuna but i was so grateful as i was starving..........and i ate it lol
well now i couldnt sleep i was to have wait for it more blood taken from me at 2-45 am in the morning well i have restless leg symdrome no tablets with me, aaaaarggggggggggggg i told the nurses in emergancy dept cardia dept and on the ward they were getting me some but no they didnt well now my legs both of them were jumping they start of with a lil lift and shake well i know i can here you all laughing well at least ya all laughing, lol but then didnt they start laughs the nurse who was on all night kept walking passed and looking laughs she treid to take my blood pressure well u can imgine carnt you eventully she did manage it hahahha yes legs still jumping she must have told the dr who was on the ward and he came and said that is what u call restless legs and went away fine i thought still no tablets and the bloomin legs still at it yes they get higher n higher its awful when they start like this so the doctor came back now its 2am he said to the nurse to give me a sleeping tablet oh yes great i thought well im having this blood taken from me at 2-45 am well the nurse didnt come to 3am yes im still awake well it wasnt long after yes hooray i drop off to sleep !!!!!!!!!
so im waiting for the drs rounds to say i could go home oh no not more blood yes more blood they were going to keep me another day oh no no please so after a disscusion im going home 7 - 30 pm im off........... but before this i was told that i have anemeia so here comes the iron tablets i have an xray they dont know where the blood is going inside me fine i thought then a lady dr came with the sister want to examine me the dr pressed on my tummy i nearly hit the ceiling he said oh was that sore i said no it was the injection they gave me in my tummy i will put the pic in how my tummy was after the jab, so then they wanted to examine me the other end oh i said i dont know i was so embarresd so the dr and she and he would leave it to me for to decide oh no what a decision to have to make so the male dr left me in the hand s of the sister and the female dr and theyre both saying we know its embarssing and we know how u feel but honestly we dont bother yes it is embaressing but then i said ok get it over and done with dreading it all the time so she gets on with it and says oh my 20/30 piles oh great i said so all the drs came back and and what i lose anyway made them do the tests etc, so they explain and dr said its not good i just say alright you know what i mean i said yes and i left it at thet next thing i gets a letter cut along story short now i have to have a colonscopy on the large bowel on the 5th aug am i looking forward to that no no no i am in too minds as they are only giving me a sedative now the last one i had was in the eighties when i had a camera doen my throat to see what was happening they forund i have urnea but i seen/watched on telly my tummy etc the bloody sed didnt work i kept eving and after the sed was done it started to work so i dont know if i am going ahead with it i have confirmed it but am thinking very hard about it and will give them notice if i decide no
then they want me to have the cam down my throat to se what the urnea is doing etc as it comes as big as if its a babies heel
i go in hosp 5th aug
do u want to know more no okay im going to shut up now
take care all
i will put the pic in of my tummy what they did after that injection going to find it will post back here when i find it
hugs

e again this has happened before remember scooby i mentioned it in the other fourum arh well here it is as im sat im getting sight pains but im ok and under controll lol

[travelgirl]

Re: Travel girl - Hardship claim

hello just popping in to see if there were any more updates
hugs

[scoobydoo]

Re: Travel girl - Hardship claim

Hi

we are not ignoring you just dont know where to go next? FOS have persuaded oher banks recently to pay out on claims - so dont understand really

Just bumping your thread up

[travelgirl]

Re: Travel girl - Hardship claim

morning scooby tyvm hun for your post i didnt know fos has done this i got a letter well it was more of a note from sandra greene saying she awaits an update to her letter which i posted here and i come under the hardship so i dont know why unless she is waiting on an update from me?
tyvm i have tried a letter but its not right i carnt seem to get it right
take care

[scoobydoo]

Re: Travel girl - Hardship claim

When you are writing to the FOS at the moment are you trying to empahasise what you are actually saying are charges made in error for the £250 unpaid cheque? in other words are you arguing not only are the charges to high - but also in error ?

and are you only talking about this one event that resulted in the OD.

Why are you concentrating on this ? what about the £3000 in charges in your claim?

You have to emphasise the period of time these were incurred and how you had to borrow money to survive?

Just trying to establish what it is at the moment you want to say in reply?

[travelgirl]

Re: Travel girl - Hardship claim

hi scooby tyvm for your reply
fos sandra greene is refering to her comments think i put it in post 77.
abbey has amitted my case hardship
the £250 cheque i am saying that abbey have never returned any replies regarding this only an advisor who admitted that abbey was wrong to carry on the same charge from january and added more onto this till they closed my account so yes all the carges from jan for the £250 cheque are for this repeated charges this is why it amounted up to three hundred and odd pounds i never thought of getting intouch with abbey about the error just that i spoke with this advisor who aploygised on there behalf for making and continuing and repeating adding on each month till it built up to that amount
yes i took the loan from greenwoods this is why i stopped my benefits gfoing into abbey so they could take any more money as i said they left me with a pound to live on for 2 weeks how can anyone live on a pound this day and age
i go on about the cheque because from jan till june they added more chjarges on this so each month it went up and up i told the debt copllecters all about this and they agreed with me as they should not have taken the same charges plus add more charges to this each month that is whey the total

the three thousand are all charges from previous yrs and this is why district judge allowed the charges with interest to be claimed from abbey
hope i have explained it right love
hugs
xx
i havent time at the mo to go through the threads here to find what i need in relation to your questions
will be back on tonight
when i come home
take care
tyvvvvvvm for all your help
take care

[scoobydoo]

Re: Travel girl - Hardship claim

Right so I thinnk what you are wanting to say is that they are saying Abbey closed your account because of the £300 debt you did not pay back? You are saying there is no debt as it was all charges for one returned cheque? so you need to put that in the letter.

Also you need to read the new conditions for considering hardship on the new thread about waiver being extended. It still does not say though that charges needed to be refunded - just considered.

I would still be pushing and saying that although Abbey closed your account you are still suffering financial hardship now paying back the loan you had to take out to live on - so you still do not consider the matter closed.