andyace v a&l **SETTLED IN FULL**

andyace · 14th May 2006, 23:48

I have just finished my letters i will be sending my Data Protection Act request tomorrow. On reflection i recon i am owed about £1200. £25 overlimit charge on day 2 another £25 on day 5 is that unfair or what.
Also i have put money in to avoid the day 5 charge but because debits are applied before credits. You guesed it another £25.
My wife despairs when i complain about poor service/refunds etc but i have always got what i want.
The only thing that annoys me is the fact that i have to have a bank account to get paid. Also why is it if i use my debit card the money is lifted straight away but if i transfer money it seems to take as long as the bank decides?

Good luck to you all i will let you know how i get on

(i have multiple claims 5% of each to this site)

cheers andyace

alanfromderby · 14th May 2006, 23:50

All the best with your claims - look forward to reading how things develop.

andyace · 15th May 2006, 00:14

To alanfromderby
just as a matter of interest is there a thred for your capital one claim. im paying off £600 at £50 a month. now ive found this site i recon im owed £400 of that in charges.
thanks

alanfromderby · 15th May 2006, 08:21

It's in the Capital One forum.

andyace · 2nd July 2006, 00:29

Ive worked out that they owe me £1600. Ive just had a cheque bounce today it was the one I sent to EGG 5 weeks ago . If it was for £9.99 it would have cost nothing but cos it was for £10.00 it has cost me £34.00. Where is the logic in that? If there is no money to pay the cheque for a fiver, oh well you know what i mean.
My acount has been open at the Nat West for a few weeks now so the A&L can kiss my a~s for that charge.
I was only going to do one at a time but a request for repayment will be in the post on Monday.

cheers
andyace

(you can definately have 5% when I get this back)

younganfree · 3rd July 2006, 17:45

Quote:

Originally Posted by andyace

Ive worked out that they owe me £1600. Ive just had a cheque bounce today it was the one I sent to EGG 5 weeks ago . If it was for £9.99 it would have cost nothing but cos it was for £10.00 it has cost me £34.00. Where is the logic in that?

It beggars belief doesn't it?

Perhaps if we all keep a balance of £1000 in our accounts, we will be safe from charges - as long as you're not in the habit of writing cheques for £1010 that is!

andyace · 11th July 2006, 16:54

Just got my reply to my request for repayment. It's the standard fare:in line with competitors,raised within the terms and conditions etc.
They do say that the OFT report only refers to credit card companies whoose charges are quite distinct fron current account charges. I know thats a load of rubbish but I would like to reply to that specific statement in my LBA,has anyone got any ideas on the beat way to reply to that.
I knew this one would be a tough nut to crack.

andyace · 11th July 2006, 17:15

Just seen a reply to my question.

younganfree · 11th July 2006, 17:26

IMO dude, it's not worth the bother of mentioning it to them, they pay no attention anyway.

They have a stock set of replies to anything you throw at them, who wants to get embroiled in a war of rhetoric?

andyace · 13th July 2006, 20:03

LBA to A & L any comments would be welcome thanks.

Thank you for your letter of 8 July which I have read and noted the contents.

I am disappointed that you have not responded more favorably to my request for repayment of the charges levied on my account. However I cannot accept that the OFT report only applies to Credit Cards and their associated charges.
I refer specifically to the following paragraph in the OFT report:

“The broad principles set out in this statement are likely to relevant to other default charges in standard agreements with consumers, such as those for mortgages, store cards and bank accounts. We expect the banks and other businesses to consider the wider implications of these principles, and to bring any similar charges they impose for breach of contract into line with them, where and as appropriate bearing in mind the different legal context in which they operate. If appropriate steps are not taken within a reasonable timescale, further regulatory action can be expected.”

So I will ask again for you to refund to me the charges which you have levied on my account since 27 September 2004. I restate that I now understand the regime of fees which you have been applying to my account are unlawful at Common Law, Statute and resent Consumer Legislation.

I am prepared to allow you a further 14 days from receipt of this letter to refund £1565.50 in charges; I will accept this in the form of a cheque or credit to my account.
If I do not receive a more favorable response with in 14 days no further communication will be entered into, and I will commence action in the County Court for the recovery of this amount plus interest and costs. As you are aware any court action will amount to a sum awarded greater than the charges I am requesting in this letter. So with respect to this I urge you to reconsider your position.

caro · 14th July 2006, 16:52

Is there any reason not to use the standard LBA letter from the Bank Templates Library? I prefer to stick to the tried and tested letters myself, but the outcome is likely to be the same.

andyace · 14th July 2006, 17:32

A force of habit really about making a letter personal, but you are right the template letter is all that is needed for this situation. I will amend it and see how it goes thanks for the advice in the right direction.

andyace · 29th July 2006, 08:38

Had the standard reply to my LBA yesterday the same one that every else has recieved. It was nice of them to add another £75 of charges as well so it will be Money claim on Monday. I have got my reserve account up and running salary and DD all swopped over, so they can have their overdraft back at my leisure.

andyace · 3rd August 2006, 22:06

It took me untill today to get to court claim off, I meant to do it on Monday but with work its not the best thing to do at midnight. But its done now many thanks to spiceskull for his help.
My wife didn't believe me when I started this but now she is spending the money before I get it (Its when we get it now)
So for any one else just starting after the GMTV report and the Daily Mirror just go for it.

caro · 4th August 2006, 09:32

Not long now Andy! Thanks for the encouragement for others.

andyace · 9th August 2006, 20:10

Has anyone actualy recieved a defence from A & L or any other bank for that matter. I've started to get the info together for my case, as my wife said it will be you that they decide to pick on. ( middle name lucky ). I've had a good look around but can't find any specific details of a defence only, that one has been filed. I may have missed it apologies if I have. ( wood for trees ) My wife thinks i'm on some sort of porn site the amount of time I have spent on here.

caro · 10th August 2006, 11:06

I am not positive if A&L have submitted a defence or not, but others certainly have. In my case I had a counterclaim from Yorkshire Bank along with my defence, but they are being terrible for dragging things out. Don't worry if you get a defence though, as they still won

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