Beserker v A&L ***WON***

Beserker · 20th August 2006, 22:47

Hiyas,

Just a big thx to you all for the information on this site. I visited the Govan Law Centre site before I registered here here and have sent off the Data Protection Act letter. I have had financial problems in the past and have paid large sums of money to A&L with regard to these, as a consequence I do not have the best credit rating, however, there are no ccj's only a couple of default notices from 5 years ago.
Now I am concerned that A&L are going to close my current account at some point. I am not (lol) very attached to A&L and am quite prepared to open a parachute account (wish I had read about this before sending the Data Protection Act letter). Will having the adverse credit rating affect my getting a new bank account? I would also like to have a go at A&L through the courts if they try and close my current account as this is hardly equitable , which I understood was a principle of English law.
I will keep you posted of events.

Michael Browne · 20th August 2006, 23:10

Full list of alternative bank a/c's here:
Do you need a parachute account?

NatWest and Co-op, among others can be applied for online, even with a poor credit rating.

Beserker · 20th August 2006, 23:23

Thx have just applied to Co-Op (it's the old hippy in me) online.

I will continue reading and learning.

Beserker · 21st August 2006, 23:03

Just a thought should I start to add the "Alliance and Leicester Data Protection Act letter sent DD/MM/YYYY" signature to the bottom of any posts? Can anyone tell me how to do it?

Michael Browne · 21st August 2006, 23:08

Top of the page - User CP - Edit signature

Beserker · 21st August 2006, 23:29

Cheers Michael, checking

Beserker · 14th September 2006, 13:16

What a parcel!! Wish I could charge 'em an hourly rate for going through this lot! OK guys, guess I have to do the spreadsheet stuff, some questions :-

a) oldest charges first or t'other way round?
b) Interest after lba i.e. when you do moneyclaim?
c) If the total charges are greater than £5k break them into two claims?

They also seem quite keen on me as they have actually sent me my statements going back to 6 March 2000, can I claim the penalty charges back beyond 6 years? or is it 6 years from date of S.A.R - (Subject Access Request)?

Thanks

Beserker · 14th September 2006, 14:28

Oh I have just read the last para. of the covering letter...

"If you want to query any aspect of the details provided, please write to me at the address given above"

Oh I will, I will....

younganfree · 14th September 2006, 14:36

Quote:

Originally Posted by Beserker

What a parcel!! Wish I could charge 'em an hourly rate for going through this lot! OK guys, guess I have to do the spreadsheet stuff, some questions :-

a) oldest charges first or t'other way round?
b) Interest after lba i.e. when you do moneyclaim?
c) If the total charges are greater than £5k break them into two claims?

Thanks

a) Not sure, maybe it makes no difference.
b) Yes.
c) Yes.

Luck, dude.

Beserker · 16th September 2006, 16:27

Just worked out the charges + interest on their penalties = £4989.93. Handy, just under the £5k

. Prelim letter sent today.

livelylad · 16th September 2006, 16:28

Quote:

Originally Posted by Beserker

Just worked out the charges + interest on their penalties = £4989.93. Handy, just under the £5k

. Prelim letter sent today.

good luck

caro · 19th September 2006, 00:03

Threads merged.

Beserker · 28th September 2006, 12:47

Quick response to LBA!! Fob off letter "Our reference aaannnn/UNFAIR4" .At least they did'nt charge me £25 for the pleasure. Arrogance comes before a fall though

.

MCOL or visit to Reading CC?

Can someone give me a link to the words to use?

caro · 28th September 2006, 16:23

Its in the bank templates library.

Beserker · 28th September 2006, 16:32

Doh, thanks Caro

Beserker · 28th September 2006, 17:22

I feel young and unsure again

.

Advice on the words for MCOL please :-

"Claimant has account XXXXXXXXX with Defendant conducted on their standard terms and conditions. Claimant is claiming the return of £4926.01 taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.
In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from 9 November 2000 to 28 September 2006 of £34.48 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £1.09 (Amount claimed x 0.00022)."

Interest taken from the most excellent Spreadsheet

caro · 28th September 2006, 17:26

Interest doesn't look right, but the wording is from the template isn't it?

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