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| | | | | | | Alliance & Leicester Successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
16th June 2006, 23:14
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#1 (permalink)
| | Classic Account Customer |  fivelaws v A&L ***WON***
After waiting 30-days from Data Protection Act for the copy statements, I received this morning a staggering 8cm pile of paper (about 800 sheets!)... It was only that size because each sheet contained a maximum of 11 transactions. The idiots.
Anyway, after a back-breaking job of going through the pile (which included about 50 duplicate pages, for some reason), I've calculated the charges since June-2000 as a whopping £4,993.25. April 2003 was a low-point in this relationship with £520 of charges. The most I have ever been overdrawn is £850, so the costs are very disproportionate.
Preliminary letter, following the BAG template, is going tomorrow by recorded delivery.
Parachute? Fully deployed...
__________________
A&L: Settled - £6,200
HFC: Settled - £800
Shell Visa: Settled - £250
Egg: Settled - £700
Mint: Settled - £1200
RBS: Settled - £850
The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...
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16th June 2006, 23:16
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#2 (permalink)
| | Site Team | Re: fivelaws vs A&L
Good luck.
What a great amount to be claiming for - can't get much closer to the £5k limit! 
__________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) www.unsubscribe-me.org www.LOVEstoke.org | |
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17th June 2006, 00:29
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#3 (permalink)
| | Site Team | Re: fivelaws vs A&L
Bring it on!
__________________ to discuss any health, fitness or relationship issues. Using the Consumer Health Forums helps support CAG Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007  Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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17th June 2006, 02:15
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#5 (permalink)
| | Site Team | Re: fivelaws vs A&L
Quote: |
Originally Posted by fivelaws It was £5,035.25, but somehow two of the very earliest charges got ... er ... missed off the spreadsheet...  | Oops - you will have to check your figures after you get your refund....just to make sure you didn't miss anything...like interest. 
__________________ to discuss any health, fitness or relationship issues. Using the Consumer Health Forums helps support CAG Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007 Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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17th June 2006, 03:39
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#7 (permalink)
| | Site Team | Re: fivelaws vs A&L
In the templates library. Vamp is happy to help out if you have a problem with it. Perhaps if you get bored when you have done your other nine claims you could go for them all again. I can't understand you folks who aren't interested in interest (no pun intended). I am quite disappointed I can't get any from A&L, but as I had an interest free overdraft during my 7 months with them I can't really get them on that one.
__________________ to discuss any health, fitness or relationship issues. Using the Consumer Health Forums helps support CAG Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007 Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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3rd July 2006, 18:48
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#9 (permalink)
| | Platinum Account Customer | Re: fivelaws vs A&L
Quote: |
Originally Posted by fivelaws
Looks like this one could be going MCOL... | It's always best to assume this is going to happen anyway, then you get no nasty surprises.
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5th July 2006, 13:19
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#10 (permalink)
| | Site Team | Re: fivelaws vs A&L
Must be time for your LBA by now fivelaws.
__________________ to discuss any health, fitness or relationship issues. Using the Consumer Health Forums helps support CAG Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007 Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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5th July 2006, 13:40
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#11 (permalink)
| | Classic Account Customer | Re: fivelaws vs A&L
Quote: |
Must be time for your LBA by now
| Indeed it is. The LBA was sent on Monday by recorded delivery, lamenting their lack of reply and re-stating that I expect the full amount to be refunded by Monday 17th July otherwise the next communication will be coming from Aldershot & Farnham County Court...
Got a reply to the first letter this morning (that's a delay of 17-days), which ignored most of the preliminary letter and focused on the OFT's investigation of credit cards - with the stress on credit cards, not *banks*. Therefore, it is argued, the OFT haven't said that the charges are unlawful.
I know this. I also know that the reasons the OFT used to determine the lawfulness applies to any other contract, including theirs...
They will be mine!
Oh yes! All mine! /manical laughing | |
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7th July 2006, 13:49
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#12 (permalink)
| | Classic Account Customer | Telephone contact with A&L
I've been trying and failing to speak to somebody (anybody!) at the A&L about my complaint but they REFUSE to talk to me. The "customer care team" won't discuss the complaint, despite saying on their letter "if you require any further assistance ... please don't hesitate to contact me". They don't give a complaints phone number so you have to go through the normal charade of entering account numbers, passwords etc and waiting for a customer advisor.
I tried three times yesterday and each time they ended up cutting me off (after 30-minutes wasted). The final contact promised somebody would call me. 24-hours later, I phoned again only to be told the complaints people "aren't allowed to talk to anybody". You couldn't make this up!
I've just tried the "customer advocate" phone number in the contact sticky, but it isn't even an A&L number - it's for MBNA...!!!???!!! 
Does anybody have an actual direct dial phone number of anybody in the complaints department? | |
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16th July 2006, 00:58
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#16 ( | |
