A&L - formal demand for payment & default

[richt22]

Hello all, I would be grateful if anyone could advise re the following situation.

A few months ago I accepted a partial settlement from A&L in respect to bounced cheque and paid referral charges (over limit charges were not included in this settlement).

Since then, I have continued to have charges applied to my account and due to recent unemployment have been unable to bring the account to within the overdraft limit.

A&L have now issued a formal demand for payment and withdrawn banking facilities.

The amount I allegedly owe them is less than the paid referral fees and charges incurred since the partial settlement combined.

Furthermore, I have received a letter saying that although I accepted their offer as full and final settlement, A&L do not consider the complaint resolved and will not do close the file until after the High Court point of law debate has been heard and ruled upon.

Finally, we come to the questions!

In light of the above, am I entitled to write to A&L requesting they do not close the account and ask them to halt any proceedings until after the court case?

Can I simply write to them and reclaim the charges incurred since the partial settlement and state therefore that the account is in dispute and no action should be taken before the dispute thas been resolved? I am thinking of course that any dispute could not be resolved until after the High Court case?

Any comments / advice as to strategy would be gratefully appreciated!

[bsia666]

Hi

Look at this link..................... ...................



http://www.consumeractiongroup.co.uk...templates.html


The A&L should desist from chasing you for the alleged dept, or pass it on to dept collection agencies when their legal dept gets nowhere with you.

They may still do this though and you will have to letter them (rec Del) and use this to help you...................... .......

Protection from Harassment Act 1997 (c. 40)

I was being harassed by two separate DCAs at once re my A&L account so I used this act plus the info from reading similar threads to yours and the harassment stopped immediately.

Coincidence maybe???? it did stop though.

Carry out the reclaiming procedure, you may get a judge who refuses requests for stays or removes them. The banks waiver may be lifted aswell so keep going with tried and tested method on here

Open a parachute account in case they withdraw your banking facilities without notice.

William

[bsia666]

I missed a link but have edited my post.

William

[richt22]

Hi William, thank you for your suggestions, it sounds like a plan to me. Time to get the LBA done off, I will post updates as and when.

Thanks again,
Rich