Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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Thread: Please help!!!

  1. 7th October 2009 11:19 #1
    misscher33 misscher33 is offline
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    Default Please help!!!

    I have a loan with Alliance and Leicester and they refuse to pay me back my charges. They said after listening to the telephone callicon they felt that their assistant actly correctly. They owe me nearly 1k, please can someone help me with another letter, I really don't know what to do from here.

    Thanks

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  2. 7th October 2009 11:26 #2
    silverfox1961 silverfox1961 is offline
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    Default Re: Please help!!!

    Hi,
    You have posted this in the PPIicon section so I'm assuming you are claiming back the PPI.

    Was it mis-sold in any way?

    If you are asked to deal with any matter via private message, PLEASE report it.
    Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor

    Do you need debt advice? Look at this excellent blog. 10 steps to put YOU back in control
    Part 1--Part 2--Part 3--Part 4--Part 5--Part 6--Part 7--Part 8--Part 9--Part 10
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  3. 7th October 2009 12:10 #3
    misscher33 misscher33 is offline
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    Default Re: Please help!!!

    yes, i believe it was mis-soldicon, the lady on the phone was very pushy etc

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  4. 7th October 2009 12:15 #4
    silverfox1961 silverfox1961 is offline
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    Default Re: Please help!!!

    What I would do is send the A&L a SARicon asking for everything they hold but specify that you want all transcripts of phone callsicon made or received.
    Putting pressure on a customer to buy something is, in my opinion, a no-no.

    If you need help with a SARicon, just shout.

    If you are asked to deal with any matter via private message, PLEASE report it.
    Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor

    Do you need debt advice? Look at this excellent blog. 10 steps to put YOU back in control
    Part 1--Part 2--Part 3--Part 4--Part 5--Part 6--Part 7--Part 8--Part 9--Part 10
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  5. 7th October 2009 19:00 #5
    livingdeadguy livingdeadguy is offline
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    Default Re: Please help!!!

    Alliance and Leicester are one of the biggest culprits for the mis selling of PPIicon and had themselves a hefty fine because of it.
    You may want to state that in your claim. I did and i received all PPI back with no problems at all.
    Thay shouldn't be a tough nut to crack.
    As Silverfox says though you do need that SARicon for copies of all communication. So wait till you have that before sending your letter

    IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

    NATWEST PPI SUCCESS £490 25/08/09

    NATWEST PPI 2nd CLAIM WON £1135 02/10/09

    A & L PPI £395 WON

    CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

    BARCLAYCARD STILL PENDING

    LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09
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  6. 7th October 2009 22:44 #6
    alanalana alanalana is offline
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    Default Re: Please help!!!

    Please see this link and check out if any of the dates correspond to your loan dates.

    Alliance & Leicester to pay £7 million fine for PPI failings

    aa

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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  7. 7th October 2009 22:52 #7
    gezwee gezwee is online now
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    Default Re: Please help!!!

    I'd have to agree, admittedly i now have an A&L current and savings account so it was probably in their interesticon to settle but I found them to be pretty much a walk in the park.

    Borrowed a letter off of here and followed up with the lbaicon, 3 weeks later current account credited.

    Easiest one (I think) would be to show that no benefit would be provided...... are you unemployed, self employed, part time. Medical history, hospitalisation etc etc....... many threads and advice here from **won** threads. Don't give up, they'll cave in if you have a sound case.

    Gez

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