Thread: Deb4TLJ vs A&L Credit Card PPI

Sent a S.A.R - (Subject access request) to A&L asking for info on both a loan account - in another thread - and this credit card. Also sent a letter beginning of July stating I could not afford to make the repayments now due to reduced income - hours at work cut and accordingly so is wage. I'm on a reduced payment plan with an A&L loan, a Northern Rock loan and wanted to do the same with this CC. Resent same letter middle of July enclosing yet another personal budget sheet asking them to accept reduced payment of £10.00 a month and as a gesture of goodwill to freeze all charges and interest. Still no response. This afternoon received threatening letters about defaults and also a letter from a company called Aegis purporting to be representing A&L. I rang the number in the threatening letter - recorded conversation and advised them of such before I discussed anything - and they stated that they are a;

"telephone banking service and as such will not enter into any kind of written correspondence!"

They stated that they had indeed received my letters and budget sheet but will not respond in writing!!!!!!!! Set up a reduced payment plan over the phone with them - I did ask for confirmation of this in writing to which they said okay (thought they didn't write to anyone?) - subject to approval by a board of managers????????????? What is with this company!!!!!!!!!!! I also asked about my unfulfilled S.A.R - (Subject access request) - woman wanted to know what one of them was! Told them I had sent the required fee and a written request to;

ALLIANCE & LEICESTER PLC
CARLTONPARK
NARBOROUGH
LEICESTER
LE19 0AL

She said A&L had nothing to do with the SAR request and that I had to send £20.00 to MBNA in order to get everything. I argued that they could not charge me £20.00 for a SAR as the maximum was £10.00. Off she went to speak to her manager again - came back telling me that £10.00 was for a copy of all statements and transactions and that the other £10.00 was for all the other documentation on the account!!!!!!!!!!!! I told her I don't think so - the law states that if I make a SAR request then I am entitled to EVERYTHING for a maximum fee of £10.00 - off to her manager again she goes - comes back and tells me yes it is only £10.00 for the SAR but that the one I sent to A&L doesn't apply to them and I have to send another £10.00 to MBNA!!!!!!!!!!!!!!!!!!!!! ! I am so angry!!!!!!!!!!!!!!!

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What a load of old tosh.

Dont get angry get even!

Send of a complaint to MBNA forget the SAR see what they come up with.

Originally Posted by adamski

What a load of old tosh.

Dont get angry get even!

Send of a complaint to MBNA forget the S.A.R - (Subject access request) see what they come up with.

Hi Adamski - can you point me to a good letter or a template I could use?

I would also send the SAR and the £10 and if they ignore it or try to charge you more report them to the information comissioner!

I just don't get it - all the credit card statements and reminders are on A&L headed paper but then they turn round and say A&L has nothing to do with it.

Although I've come to a reduced payment agreement with these idiots I am still receiving phone calls from their call centre in India or wherever it is - everyone always has an Indian accent - but now I just refuse to answer their security questions - this really p***es them off! I also received this second letter today even though the woman I spoke to at A&L CC the other day told me they would inform these people of my agreed payment plan;