Online Money Claim filed - Reply by A&L -they will defend whole amount

cathycathy · 7th July 2006, 01:26

Hiya - am new in the forum. Have had such awful dealings with Aand L too. Rang to ask for details of all bank charges over the last 6 years and they have sent throu the £10 standard data protection letter. Once I return this, will they send me all the dates and amount of charges applied or will I be told to apply for back bank statements too and have to work it all out myself? (Knowing THEM - I can't imagine them being so helpful! ) Am so sure some of their staff take courses in rudeness technicques. Which link or template letter would it be best to use when they reply to the data protection request? Sorry for probably asking the obvious - but I just what to get it right first time. Many thanks and best w ishes. Cathy X

younganfree · 7th July 2006, 18:34

Hi Cathy, welcome.

I think you'll get a readout that you will have to through all on your ownsome!

You need to go through it listing all the charges you want to claim back, then write them a letter requesting repayment. They'll probably tell you to 'go away' as they are within their rights to do what they have done.

While you are waiting for the papers to come, I suggest you have a good look at the FAQ and the letter templates in the Library section. Just so you are comfortable with what you are doing.

I'd also suggest, big time, that you get a parachute account opened ASAP, as they do seem to be closing peoples accounts now - sometimes without warning [see The Holte41 & Lady Penelope's threads].

Good luck.

caro · 8th July 2006, 18:23

Hi and welcome Cathy. Good advice already from younganfree. Keep us posted.

cathycathy · 9th July 2006, 07:23

Hiya Younganfree and Caro - many thanks for your advice. Have now opened up a new account with Lloyds. Also have just come across all my old bank statements in loft so have gone throu and got all the details re charges - so will miss out sending back the data protection letter to them and go straight for the next step. Will keep u posted !! Many thanks, Cathy X

caro · 9th July 2006, 13:19

Good stuff. You'll get your money back that much quicker then.

cathycathy · 15th July 2006, 21:30

Hiya - just got back the usual "Go away" letter from A&L today saying- its not us that are at fault - its me and also quoting that the reduction in charges from the OFT only apply to Credit Cards!! On we go to the next stage

cathycathy · 20th August 2006, 17:10

Reply to LBA letter saying they had looked into my case and the charges were fair and not refundable. So have started Online Money Claim - They have till the 5th Sept to reply. Will also post details in Litigation Section. Next step - Removal of Default Letter to do.

cathycathy · 25th August 2006, 02:13

Hiya - have filed online money claim and have now received letter from Court with A&L response stating that they will defend the full amount. I take it that they are just trying it on!!!!

martin2006 · 25th August 2006, 03:52

wont be long now then, expect a cheque in full soon.
im not far behind you, i will be filing on sep 4

lindy123 · 26th August 2006, 00:26

Look forward to your cheque!
Good luck

rbrears · 26th August 2006, 04:04

there is no way they will go to court with you - payment is imminent - but they will close your account.

andyace · 26th August 2006, 09:18

I would start looking at those holiday books the money will be in your hand very soon!!!

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