# 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 November 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. . . .


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**SCHEDULE 11 
  NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS**



1. Name of company

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

2. Name of director

|LUQMAN ARNOLD
|-------------

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 or in respect of a non-beneficial interest

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

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

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

5. Please state whether notification relates to a person(s) connected with the director named in 2 above and identify the connected person(s)

|N/A
|---

6. Please state the nature of the transaction. For PEP transactions please indicate whether general/single co PEP and if discretionary/non discretionary

|EXERCISE OF OPTIONS AND DISPOSAL OF SHARES PURSUANT TO VARIOUS LISTED OPTIONS SCHEMES.
|--------------------------------------------------------------------------------------

7. Number of shares / amount of stock acquired

|EXECUTIVE SHARE OPTIONS SCHEME — 542,895
      SHARE MATCHING SCHEME — 26,592
      SHARE MATCHING SCHEME — 138,119       
      PERFORMANCE SHARE PLAN — 264,630
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------

8. Percentage of issued class

|0.00%
|-----

9. Number of shares/amount of stock disposed

|EXECUTIVE SHARE OPTIONS SCHEME — 414,060
      SHARE MATCHING SCHEME —      10,903
      SHARE MATCHING SCHEME — 56,629      
      PERFORMANCE SHARE PLAN — 108,499
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------

10. Percentage of issued class

|0.00%
|-----

11. Class of security

|ORDINARY SHARES OF 10p EACH
|---------------------------

12. Price per share

|627p
|----

13. Date of transaction

|9 NOVEMBER 2004
|---------------

14. Date company informed

|9 NOVEMBER 2004
|---------------

15. Total holding following this notification

|727,061
|-------

16. Total percentage holding of issued class following this notification

|0.00%
|-----

**If a director has been granted options by the company please complete the following boxes.**

17. Date of grant

18. Period during which or date on which exercisable

|
|

19. Total amount paid (if any) for grant of the option

|
|

20. Description of shares or debentures involved: class, number

|
|

21. Exercise price (if fixed at time of grant) or indication that price is to be fixed at time of exercise

|
|

22. Total number of shares or debentures over which options held following this notification

|
|

23. Any additional information

|
|

24. Name of contact and telephone number for queries

|JASON WRIGHT — 020 7756 4767
|----------------------------

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

|JASON WRIGHT
|------------

|11 November 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.

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# 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: 12th November 2004** |  | **By: /s/


    **Gail McGrath****    
|                             |  | **(Authorised Signatory)**************