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And does it start from the moment I send the preliminary letter or from today?
When does what start???
Originally Posted by clairus99
I'm sure I'll find the answers in the FAQ, which I'll go to in a sec
Please read the FAQs before posting your questions.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Not being funny, but was there any point you going to the trouble to post that when I said I was going to the FAQs anyway? When all you said was, "look at the FAQs"?
Anyway, in the meantime, I've edited my question as.... well it doesn't matter, simply, I don't need to do the DPA letter anymore, so I've changed my question.
Not being funny, but was there any point you going to the trouble to post that when I said I was going to the FAQs anyway? When all you said was, "look at the FAQs"?
I did actually answer your question first, and then advised you to read the FAQs.
If you'd had read the FAQs there would have been no need to ask the question.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
From my point of view, you asked if you had to send a payment, I said "yes". I then advised you could find the answer in the FAQs - I don't see what you find rude/offensive etc but it certainly wasn't intended that way.
Originally Posted by clairus99
Where A+L take the £ out a few weeks later, is the "date incurred" the day it went OD or the day they take your money?
Please clarify what you are referring to - is "date incurred" some kind of reference or annotation on your statements relating to a charge?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
I'm just filling in the details on the Excel spreadsheet, and under the "date incurred" heading I'm wondering whether to do the date that my account went overdrawn (thus incurring the charge) or the date they take it out.
I've just done First Direct and Natwest and they take their charges out the same day, so obviously it's easier.
I would guess it's the date the money SHOULD have gone out - they tend to charge you for it about 3 weeks later....
I would use the date you were actually charged because when you work out the 8% interest it would be from the date they took the money from you.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
simply, I don't need to do the DPA letter anymore, so I've changed my question.
Hi Clairus - I just wanted to check why you don't need the DPA letter anymore. If it's because you have your statements it is still worth doing the DPA request as that will tell you about manual interventions (or probably the lack of them). If you have confirmation that there weren't manual interventions you will have a much stronger case if you have to go to court.
I strongly recommend you get yourself a parachute account as well, because A&L are closing claimants accounts.
Keep us posted on how you are doing, and let us know if we can help. Unfortunately a lot of newbies have been coming to the forum asking questions that have been answered hundreds of times before when really they need to read up first and then ask questions later. Sometimes it can be a bit of a chore for the hard working moderators when they have to repeat yourself again and again, and this week has seen thousands of newbies. We're all human.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I can't remember why I don't need the DPA letter any more! From my understanding (probably wrong!) I thought the DPA letter referred to getting copies of statements; but I keep everything for 7 years anyway, so haven't needed to get them (so nerr! )
Bearing in mind what you've said I can see it probably is a good idea.
What's happened now is this. My other claim (with Natwest) has got to a bit of a stressful stage and I couldn't deal with both going on at the same time (other issues going on as well - exams, financial stuff, etc), so I've restarted the claim - actually the lba letter should have gone out yesterday and I've received their, "we'll get back to you", letter this morning.
Re another bank account.... I'm taking a risk I know, but I can only get basic accounts at the moment, so if NatWest don't close my account I'll stay with them. I'm fully expecting A+L to close my account with them. Oh well. Whatever. They'll miss out on my money when I'm a millionaire....!
I'll go read up about the DPA request, as I don't really understand it at the mo, and if it's not too late take that up.
Clairus99 vs A+L!
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Re: Clairus99 vs A+L!
Originally Posted by clairus99
Re: Clairus99 vs A+L!
