A&L announcement

Strikeback · 28th July 2007, 00:21

Hi,

I'm just about to send my prelim. off to A&L for just over £600 in only 7 months of opening an account. (Thought I could save money with these guys...!)

I've noticed on their site an announcement regarding today's ongoing court case. They are suspending dealing with letters about penalty charges and say they have the FSA's permission to do this.

Will a prelim. and then a LBA still work?

Here is some of what they have to say:

What will happen to customer requests for charges to be refunded?

Customers who feel they have been asked to pay fees in error should still contact us and their request for a refund will be handled in our normal way.

What will happen to customer complaints about the level, fairness or legality of unauthorised overdraft charges?
We will not be resolving customer complaints on the level, fairness or legality of unauthorised overdraft charges while the test case is running. If you do complain about your unauthorised overdraft charges, we will write to tell you that we have received your complaint and that we will record it on your file. When a final decision is reached in the test case, we will contact you as soon as possible to tell you how we will resolve your complaint. We will apply the decision in the court case to all complaints we receive.
Why are you allowed to stop dealing with unauthorised overdraft charge complaints during the test case?

Like every other bank, we applied to the Financial Services Authority (FSA) for a suspension of the normal timetable for dealing with unauthorised overdraft charge complaints. The FSA decided that, in the circumstances, it was appropriate to grant us a suspension of our obligations under the FSA's complaint handling rules while we sought legal certainty on this issue. The suspension is subject to a series of conditions designed to protect a customer's rights. You can read the form of the FSA suspension (direction) here: www.fsa.gov.uk
All customers who have made a written complaint on unauthorised overdraft charges but who have not yet had their complaint resolved will receive a letter to explain the position with respect to their complaint.
Can I make a court claim for a refund during the test case?

Yes, but we will apply to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case."

Regards,
Strikeback.

Russjo · 28th July 2007, 02:53

As I understand it, you should continue as normal until there are announcements otherwise. It is better to start the process now and stake your claim, than to wait and have to argue statute of limitations etc. which will complicate things for you

Jess68 · 28th July 2007, 11:49

I'm in court on weds

wonder if this means i am going to have to wait now

Strikeback · 28th March 2008, 22:55

Hi all,

My question is as follows:
I have sent my pre-lim. off to A&L (March 200

and have received a standard reply. Do I still go ahead and send an LBA as normal, even though this test case hasn't been resolved yet?
I've read about "stays", should I carry on as normal as if there was no test case?

Many thanks in advance.
SB.

Rooster-UK · 28th March 2008, 23:03

Yes. Stick to the timetable.
Fourteen days after the prelim, send the LBA.
Even though it won't progress, your claim will be already in the pipeline when the stays are lifted.

Rooster.

estela · 1st April 2008, 11:32

Quote:

Originally Posted by Rooster-UK

Yes. Stick to the timetable.
Fourteen days after the prelim, send the LBA.
Even though it won't progress, your claim will be already in the pipeline when the stays are lifted.

Rooster.

I am in the same boat, if you send the LBA do you state
"I look forward for a full response to this letter within 7 days, otherwise I will commence court proceedings to reclaim my money." and then do you start a court claim????
Thanks

sea-sidelady · 1st April 2008, 19:48

Hiya Estela,

You dont have to do anything to the lba letter. It is fine as it is. Just add your own personal details. 14 days later, you can file at court.

Strikeback · 5th June 2008, 00:25

Hi,

I have had a standard response from my LBA. Do I go ahead and file?

Since my LBA I've received another £25 charge. Can I claim for this as well?

Regards,
Strikeback.

sea-sidelady · 5th June 2008, 00:33

Yes, once you are ready you can file at court. But yes you add on all the new charges, before you file.

Strikeback · 12th June 2008, 00:58

Hi,

I'm in the process of filling out an N1 form.
In the "particulars of claim form" area, there is so much text as to cause the pdf document to scroll.
When you come to print the document, then not all the text I've entered is printed.

Any ideas?

Regards,
Strikeback.

freakyleaky · 2nd July 2008, 15:13

2 threads merged.

roboticboy · 1st September 2008, 18:20

Not sure if you realise but A & L are NOT part of the test case. How on earht can they rely on the OFT test case if they are not part of it????

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.