Alliance and Leicester/mbna.

[money]

I don't mind them calling when I have the money to pay.

I do get all names, I did also get her work mobile too. The call has just left me a bit negative about whether or not it is worth pursuing. She seemed nice, just got a bit narked that I couldn't give her the payment she wanted and then threatened more charges if i can't pay today, which I can't. So more charges.

Should I call the assessment place to see if they can do anything while they are assessing the claim? I could explain that the charges won't be correct when they send them to me as I have just been threatened with £50 more charges next month (25 over limit and 25 late fees)?

I wish I had the confidence to follow this through, but feeling a bit negative! Damn, I was doing so well.

[BankFodder]

Best not to discuss. Just wait.
You could send them a chase letter about the Data Protection Act request.

Stick with it. They are putting you through your paces, that's all

[money]

I have just had a phone call from a and l.

We started off the discussion about the credit card limit and how are we hoping to pay etc, I explained nicely that of next month we will be better off. I explained I want to clear the balance by the end of this year. Then we came to the subject of bank charges. My balance just now is £2581, limit of £2400. We started talking about what would be acceptable to me. I said that I don't have figures so i don't know until they send me the list, i guessed it would be £500, which it is. He said that things are changing until the OFT announce the new guidelines, I presume that's why there is a lot of stalling going on now. Anyway, he offered to take my account down to 2300, I said no but I will be happy with 2200, he said that's fair!

I am happy with it, I 'know' I could've got more if I went to court etc but to be honest this is a decent outcome, my credit card bill gets reduced and I don't have the real worry of having to go to court. I have got 380 odd pounds back, more than I had a week ago.

I hope I haven't let anyone down by 'wimping' out!

[BankFodder]

You have to do what is right for you. If you feel that on balance you have achiveed something then good for you.

This site is not only about suing people. It really is about giving customers a slightly better chance

[money]

Hello again. Something didn't feel right after I received the phone call and 'offer' of refunded charges the other day. At the start of the call I was told he only had access to 12 months charges then he asked how much i thought I had been charged, I said maybe about 500 he said yes, 505 over the years. Later that evening I started kicking myself thinking what if the charges were more etc etc.

I have just called them and said I still want the Data Protection Act requested list of charges within the original 40 days. The poor bloke kept saying I can't answer for anyone else, he will email the people that I have spoken to lately and get them to call me back.

I told him I want the list so I can check that I am being refunded the correct amount as I accepted on the understanding that I had only had £505 worth of charges. I wil then insist on 100% of anything above that figure.

Am I still entitled to the Data Protection Act requested list? I presume so, just need to clarify.

[richardc]

Yes. It is your right.