alliance and leicester fine

**kaz3571** · 10th December 2008 10:50

hi
sucsessfully claimed on a+l loan simply sending template stating youve been fined in the past.took two weeks from first sending the letter.I then claimed on my a+l credit card which started in 2001 again putting this line in as well as other reasons.this card was taken over by MBNA icon

in 2004.they have rejected the claim stating i asked for the PPI,any pre existing medical conditions didnt affect the policy,the fine for a+l was only for loan accounts and the account is too old to continue through Ombudsman icon

service.i only cancelled the policy two weeks ago after twice trying to cancel in the past but being pressured not to do so.Are these responses they have given valid they have stated this is their final decision and will not enter into any further communication on the matter.

thanks for any advice kaz

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**alanalana** · 10th December 2008 22:46

Hello kaz,

hi
sucsessfully claimed on a+l loan simply sending template stating youve been fined in the past.took two weeks from first sending the letter.I then claimed on my a+l credit card which started in 2001 again putting this line in as well as other reasons.this card was taken over by MBNA in 2004.they have rejected the claim stating i asked for the PPI,any pre existing medical conditions didnt affect the policy, ( I would contest this statement to the fullest and put them to strict proof that it is correct) (Also mention this to the fos icon

if you go down this route) the fine for a+l was only for loan accounts and the account is too old to continue through ombudsman service. (I would let the FOS make this decision if they cannot take on the case then you have the option of county court Action and there are a bunch of folks on here who have experience of that who will be able to advise you) only cancelled the policy two weeks ago after twice trying to cancel in the past but being pressured not to do so.Are these responses they have given valid they have stated this is their final decision (if you have received a final decision then the FOS will be interested but I am not certain about the time statues. They did however adjudicate in my favour on loans back as far as 1997 so this may give you some positive hope)and will not enter into any further communication on the matter. (FOS or Court time - Your choice

)

thanks for any advice kaz

Do not believe everything the banks tell you in letters. Their aim is to stop you submitting a claim at whatever cost.

My advice would be in light of the fine against Alliance and Leicester to contact the Financial Ombudsmen Service. I will post up a link with the contact details at the end of this post.

Financial Ombudsman Service

Good luck

aa

**kaz3571** · 11th December 2008 08:38

thanks for that im in the process of doing that ive not got anything to lose.i believe i have the upper ground as i have tried to cancel previously.when i cancelled two weeks ago before sending off the claim i was pressured for at least 20 minutes to not cancel.

**alanalana** · 12th December 2008 00:46

Hello kaz,

thanks for that im in the process of doing that ive not got anything to lose.i believe i have the upper ground as i have tried to cancel previously.when i cancelled two weeks ago before sending off the claim i was pressured for at least 20 minutes to not cancel.

A typical tactic but you should still claim a refund of the PPI icon

element of the Loan and if it was single premium that is what you want returned including the interest icon

plus 8% statutory interest from the start of the loan to the date you get you PPI money back.

Good luck

aa

**hellhasnofury** · 16th February 2009 07:38

Hello Daz,

I see from the success thread that you have won

Can you please post up the department and address to sent these complaints to.

Thanks in advance

**kaz3571** · 16th February 2009 11:04

hi the win is in respect to the loans not the credit card.the credit card refused the refund was.it was originally a+l then transferred to MBNA icon

.i did the complaint to Ombudsman icon

but they said at the time in 2001 it was not covered and couldnt investigate.but since then mbna have sent a totally unreadable cca (more than one way to skin a cat).the adress i sent the PPI icon

claim for the loan was
[FONT='Arial','sans-serif']ALLIANCE AND LEICESTER PERSONAL FINANCE LTD[/FONT]
[FONT='Arial','sans-serif']PO BOX 5796 LEICESTER[/FONT]
[FONT='Arial','sans-serif']LE1 5ZJ.[/FONT]
[FONT='Arial','sans-serif']i sent std post and just deleted all but you have been fined in the past off a std template.have since done the same on my daughters loan.[/FONT]

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