Defected From Lloyds TSB- Need Help With A&l Procedure.

jodybuk · 31st May 2007, 12:08

Hi All,
I have defected over here from the Lloyds TSB forum having gone as far as I can with another claim.
I now need to get used to the A & L sneaky tricks.
I have read somewhere that they like to close customers accounts down, is this true?
Do you get advanced warning so you can sort out direct debits etc etc & also, I have a loan with them which finishes in March ( although if I win I intend to use my refund to pay it off). My loan payments come out of my A&L account & to get the low rate of interest on my loan I have to have this premier account. What happens if they close it & I also have a savings account linked to my current account- will they close both?
I have no arrears on the loan, are they likley to call it in when I start my claim?
Sorry to bombard you with questions, just want to know what i'm, getting mnyself into this time around. I think Lloyds TSB seem to be quite straightforward compared to this lot- at least Lloyds tell you they are going to be underhand!!
Thanks all
Jody

Rooster-UK · 31st May 2007, 12:15

Hi jodybuk.

The banks can close an account at any time. Although some banks started doing this, it rarely happens now as to close an account because of a claim is against the FSA guidlines and the bank could end up paying you compensation.
Having said that, they will almost certainly close an account if you make a second claim for charges.

Carry on, should be no problem.

Regards, Rooster.

jodybuk · 31st May 2007, 12:51

Thanks for that rooster,
Do you mean a second claim for charges on one account?
I only have one account that has incurred chrarges with them & to be honest, I only have this account until the loan is paid off for the favourable interest rate.
I intend to open another account i just don't know where coz reading this forum i wouldn't want to deal with any of them!!
Is there a Subject Access Request letter template on this forum anywhere?
Thanks
Jody

jansus · 31st May 2007, 13:24

if you go to FAQ there is a step by step instruction section and example letters in the libary.

A&L have not yet closed my acount yet and i am at MCOL stage.

but they have closed other customer accounts after paying claims.

jansus

jodybuk · 31st May 2007, 13:31

Thanks for the advice, I have found the template & got the letter ready, Just wondering how to pay the fee if you don't have a cheque book? Can I tell them to debit the fee from my account?

jodybuk · 12th June 2007, 17:52

Grrrrr!! I'm so angry with A&L!! I looked at my account online to day & discovered that they have returned a chq ( despite the guarantee number being on the back) and charged me £34.00 for the pleasure, they have also charged me £25.00 for going over drawn - presumably for the nano second the funds were out of my account before they whipped them back AND, I paid in cash to cover that cheque & more on the day it got retuned.
They are adamant that they have charged me correctly because the cheque was processed before my deposit was processed.
Is this right?
If i was ever in any doubt (which I wasn't ) about persuing them i'm certainly not now.
I'm soooooooo angry!!!
Sorry - rant over, how you all doing?

jodybuk · 12th June 2007, 17:57

Sorry- it would appear my rant is not over,

At least Dick Turpin had the courtesy to wear a mask when he robbed people!!!!!!!!!

ok- calm again now!

jodybuk · 28th June 2007, 12:53

A quick update for anyone who may be interested, I received my bank statements yesterday within three weeks & have today posted off my prelim letter for a claim of £2316.00.
Hopefully things should move along quickly now.
Wish me luck!!

MimiJane · 28th June 2007, 16:53

Quote:

Originally Posted by jodybuk

A quick update for anyone who may be interested, I received my bank statements yesterday within three weeks & have today posted off my prelim letter for a claim of £2316.00.
Hopefully things should move along quickly now.
Wish me luck!!

Nothing seems to move quickly with A&L ... be prepared for the long haul

Got my statements at the beginning of January and it's still going on, though hopefully not for much longer.

jansus · 28th June 2007, 19:01

just to boost your fight a little - read bbc news website- business section - judge is cross with banks

and posts here today under Mercantile section

jansus

jodybuk · 5th July 2007, 11:59

Further update- I got home yesterday to my standard sod off letter from a&l, it came within a week- they must be bored!!!!
My lba is ready to post- can I now expect a derisory offer sometime soon or does this happen after mcol is filed?

jodybuk · 26th July 2007, 10:30

What a busy week I'm having!
I have arrived home today to find an offer from A&L, I am claiming £2316.00 & they have offered me £572.00!! Needless to say I will not be accepting this & am going to file a claim through mcol today. On my schedule of charges my last charge date was 21/05/2007 , since then I have incurred another £150. or so, when I file my claim can I add this on & just send a revised soc or do I have to start again from the beginning and have a whole new claim?
Also - aswell as getting an offer from A&L l ( however ridiculous it may have been ) I also checked my Lloyds TSB account & discovered they have refunded me £3228.75 into my account!! I have not even had a letter to say they are doing this yet!!
Yippee!!

jodybuk · 26th July 2007, 10:46

In addition to the above, I have had a look at the rejection templates & none of the apply eactly to me so I have chopped & changed thins so they do apply-
Is this ok to send & can I fax it or do I have to post it?

Response to settlement offer.

Dear Ms Riley

Thank you for your letter dated 19/07/2007. I respectfully decline your offer of £572.00 as a full and final settlement.
I shall be commencing court action on 26/07/2007 for the full amount claimed.

I trust this clarifies my position.

Yours faithfully

squarebob · 26th July 2007, 16:34

Short but to the Point. Have you looked at the rejection letter on
Reclaim Unfair Charges from banks & credit card companies!

Otherwise its ok.

BB

jodybuk · 27th July 2007, 15:02

thanks for that, in light of todays news i'm not sure where that leaves me but I will continue as if it is still current until i hear otherwise.

lsubaby · 27th July 2007, 20:52

Quote:

Originally Posted by jodybuk

thanks for that, in light of todays news i'm not sure where that leaves me but I will continue as if it is still current until i hear otherwise.

I do wonder, given the crappy nature of their offered settlement to me whether they knew the OFT was planning to moratorium all the cases.

I'm suing them anyway. I really can't hold my language back on this one. The OFT and A&L are a complete bunch of ******s. How dare they interfere in me getting my money back. I shall write the OFT an (incredibly) angry letter should my case be stayed.

jodybuk · 5th March 2008, 11:33

Morning All,
I have just been poing through all my paperwork etc for my claim & I have noticed that A&l have taken huge amounts in charges since my case got stayed.
Can I start a separate claim for these or will it be automatically tagged on to my existing claim.
Is there any point in me making this claim until the outcome of the court case is announced?
Thanks

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