Thread: A&L passed our repaid loan to a debt recovery co

Hi there. I found CCA by goggle search. I have a problem with Alliance and Leicester bank, but its not about bank charges. If I can explain.
We had a personal loan with A&L which we paid off in 2001. Our credit record was never amended to show the loan had been satisfied. We wrote A&L in 2003 asking for credit ref to be amended. We never got a reply. Now on the 12th of July 06 we received a letter from a debt recovery co demanding we paid £2,500.00 on the A&L loan. As I said we repaid this loan in 2001. I informed the debt recovery co we had paid the loan off in 2001. They said they would contact A&L.
I rang A&L to be told "oh don't worry, we haven't checked our archives" They said they would get back to me. They didn't.
I again rang A&L who now say we did repay the loan. But no apology for the scare it gave us.
A&L said they would write to us to confirm the loan had been repaid as we stated.
We never got that letter.
I have lodge a complaint by phone and am seeking a written apology, credit record amended, and financial compensation for the worry this has caused us.
Has anyone had a similar experience? any advice?
Thanks

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Time to send off a CCA 1974 request to the DCA, which will get them off your back for a while, as you dispute the Debt.

At the same time, send a SAR - DPA for your details from A&L

You could also send off a CCA 1974 request to A&L

Ok its going to cost, But £1 to get a DCA off your back while you instigate action against A&L is worth it