Thread: A+L pre-empt court action

Hi,

I have just registered with CAG and am wondering if anybody in this forum could give some advice. I am by probably by now an ex A+L customer. I have been intending for about two years to reclaim Charges from them. Despite the recent test case and the outrageous ruling of the FSA, I have decided to press ahead with my claim. I obtained a parachute account and when I was close to my overdraft limit I stopped having my salary paid into the A+L account.

I asked for copies of my statements from them and they responded very promptly indeed. I then sent the first letter asking for repayment of charges.

They responded with a very polite and I think clear letter explaining the situation regarding the Test case.

However, in the meantime, I presume from another department, I have had further charges added, a demand for repayment of the overdraft and withdrawal of banking facilities..

I responded by asking again for repayment of the charges which now come to more than my overdraft limit.

Today I heard from them saying they intend to issue proceedings for recovery of the so called debt.

Am I in a position to enter a defence and counterclaim?
Will they have to prove in court that their charges are fair and lawful?
Would they do this while the test case was ongoing?
How can I stop them entering a default notice with a Credit Reference Agency?

TIA to anyone who can give any advice, help or encouragement.

Good luck with all your claims!

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See here for 'Account in Dispute' letters:
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(Despite 'Error' , the link still works)

Marvellous!

Thank you very much, Michael.

I'll keep you posted.