JulieR v Alliance and Leicester **WON**

[JulieR]

Hi all
Another newbie joining the ranks of A&L disatisfied customers.

I have this morning recieved copies of statements and charges requested on 7th April, so just 20 days for this to be complied with, i didnt think this was to bad!
The £10 that i sent along with the request is now sitting in my account.

My claim is spanning over the last six years, i have just made initial notes and totals but so far the amount is 679.00 this is made up of:

monthly overdrawn charges 419.00

paid item charges 260.00

if someone could just clarify it is all these charges we are claming or not? i have read and re read a lot of the forums - but find the amount of information so vast my head spins with it all!!
i find it interesting(!) that these charges when applied nearly always were the reason for the acount going over drawn on subsequent occations - so just one small blip results in an ever cascading flow of charges - no wonder the banks are running.
I have my parachute ready and with the support of this group will take it all the way.

[jonni2bad]

They are both valid claims for you.

Some banks have different terminology, I think your's refers to charges for failed Direct Debits / Standing Orders etc, and for overlimit charges.

Claim the lot.

Ooops, nearly forgot - A VERY BIG WELCOME TO THE FORUMS !!!!!

[anarchist]

Welcome!

Just follow the great advice available all over the site, and you'll get them back no problem. I this morning had a cheque for £2245 from A&L - and I'm over the moon!

[JulieR]

thanks for the welcome and continued advice guys!
I have just sent off my request for repayment - i hope my next post is to say that i have got a cheque for 737.50!!

anarchist, i so hope you spend that wisely on lots of fun things!!

[JulieR]

hi all.
well unfortunatly the letter i recived did not include a cheque it was just a standard reply from A&L sayjing how very sorry there were to learn of my dissapointment with the service i have received! (yea we know) this was from Liz Larkin and she kindly enclosed a complaints procedure leafet (have we thought about buying shares in the printers they use?) anyway, i digress lol
i have used the template spreadsheet and the sums are £847 of charges taken and the interest is £248 - that will cover my holiday in Cyprus this year! after of course i have donated!!

i dont know if this has been broadcast before but theres this site that will help you calculate the days between charges made and the date to which your claiming.

http://www.timeanddate.com/


i still have collywobbles about ending up in court, but this is now tinged with more excitement and glee at winning!

[jonni2bad]

Have you sent both letters then? The Prelim and the LBA?

Don't mention interest until you actually get to the court stage, but if that's where you are, then the best of luck to you.

[JulieR]

have sent the request for copy statments and charges - got those - sent the requet for repayment! now sent the notice before action -

is this right!! i have been reading the posts and FAQ etc at each stage!

[jonni2bad]

Yes, that's correct. Just don't mention 8% interest in your letter - that waits until court.

John

[JulieR]

thanks for that Jonni
i have re read the letter and think i made a boob, i thought the paragraph where charges are stated included the % but its interest they have charged me not the intrest on the charges i have paid??
i will amend the letter tomorrow, many thanks again

[jonni2bad]

That's right

[JulieR]

well the letter before action is in the post, so clock is ticking now -

[NeilP]

Good luck with your claim JulieR,

& (albeit late) WELCOME to the forum!

NeilP

[JulieR]

thanks Neil
just an update on where i am at - the letter before action letter has been sent recorded delivery and would have been recieved this week - however today i recieved a further responce to my letter requesting repayment - basicly states that they are sorry i am unhappy bla bla how important it is that customers keep there account within authorised limits bla bla bla - re the OFT ruling it reffered specifically to credit card default charges and in the future they may have to participate in the ruling in future. They do sympathise but are confident they acted correctly bla bla bla - they hope the matter is drawn to a close but do enclose a copy of the compliants leaftlet - (thats two i have now- should we have a compertition to see who gets the most leaflets)
As i have sent my letter before action, and it would have crossed in post i dont need to send another do i? or would it be prudent to say thanks for the letter but my further letter before action stands?

[jonni2bad]

Do nothing else, just wait for the response from the LBA or the 14 day deadline.

[JulieR]

received today a letter of acknowlegement to my 'before action letter' - they recon they will send me a full responce within 28 days - they only have a week till i take court action!!

i was just wondering (and i did go through FAQ's first) i thought i had read on someones thread that they sent a letter saying thanks, but the 14 days notice of my letter stands -

yes or no? and should i, or just go for court action as the time runs out?



great show last night - what a revelution!!!

[barracad]

Just stick to the deadlines you've set - give them 14 days then proceed on to the next stage.

No need to send any interim letters.

[JulieR]

hello folks
i have today filed my claim 6QZ40210 - just sit and wait now then!!

i have also started claims against MBNA & Barcleycard - and then once all this is done my current bank of first direct owes me a £100- but will wait to see how the rest pans out first!!

[jonni2bad]

Well done

You now have your very own thread in LITIGATION IN PROGRESS