# FORM 6-K

SECURITIES
  AND EXCHANGE COMMISSION

Washington,
  D.C. 20549

# Report of
  Foreign Issuer

# Pursuant
  to Rule 13a-16 or 15d-16 of

# Securities
  Exchange Act of 1934

For the month
  of July 2004

ABBEY NATIONAL
  PLC 
  (Translation of registrants name into English)

Abbey National
  House, 2 Triton Square, Regent's Place
London NW1 3AN, England   
   (Address of principal executive offices)

|Indicate
      by check mark whether the registrant files or will file annual reports under
      cover Form 20-F or Form 40-F.
|-------------------------------------------------------------------------------------------------------------------------------

Form 20-F . . . .X. . . . Form 40-F . . . . . . . . Indicate
        by check mark whether the registrant by furnishing the information contained
        in this Form is also thereby furnishing the information to the Commission
        pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.


Yes
  . . . . . . . No . . .X. . . .

---

**SCHEDULE 10 
  NOTIFICATION OF MAJOR INTERESTS IN SHARES**

****

1. Name of company

|ABBEY NATIONAL PLC
|------------------
|                  

2. Name of shareholder having a major interest

|FRANKLIN RESOURCES INC AND ITS AFFILIATES
|-----------------------------------------

3. Please state whether notification indicates that it is in respect of holding of the shareholder named in 2 above or in respect of a non-beneficial interest or in the case of an individual holder if it is a holding of that person's spouse or children under the age of 18

|AS 2 ABOVE
|----------

4. Name of the registered holder(s) and, if more than one holder, the number of shares held by each of them

|JP MORGAN/CHASE - MAIN HOLDER (66,878,398) TOGETHER WITH VARIOUS OTHERS
|-----------------------------------------------------------------------

5. Number of shares / amount of stock acquired

|NOT DISCLOSED
|-------------

6. Percentage of issued class

|NOT DISCLOSED
|-------------

7. Number of shares / amount of stock disposed

|N/A
|---

8. Percentage of issued class

|N/A
|---

9. Class of security

|ORDINARY SHARES OF 10 P EACH
|----------------------------

10. Date of transaction

|NOT KNOWN
|---------

11. Date company informed

|13 JULY 2004
|------------

12. Total holding following this notification

|88,857,079
|----------

13. Total percentage holding of issued class following this notification

|6.02%
|-----

14. Any additional information

|
|

15. Name of contact and telephone number for queries

|KAREN CARSON 0207 756 4358
|--------------------------

16. Name and signature of authorised company official responsible for making this notification

|KAREN CARSON
|------------

Date of notification

|14 JULY 2004
|------------

The FSA does not give any express or implied warranty as to the accuracy of this document or material and does not accept any liability for error or omission. The FSA is not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use this document, or any material contained in it, or from any action or decision taken as a result of using this document or any such material.





---

# SIGNATURES

Pursuant
  to the requirements of the Securities Exchange Act of 1934, the registrant has
  duly caused this report to be signed on its behalf by the undersigned, thereunto
  duly authorized.

|                   |  | ABBEY NATIONAL PLC                 
|------------------ |  | -----------------------------------
|Date: 14 July 2004 |  | By: /s/ Karen Carson               
|                   |  | Karen Carson, **Abbey Secretariat**