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Received a letter from A&L this morning saying that when "the OFT made the statement about unfair charges, they were referring to late payment fees for credit cards as opposed to bank charges on current accounts". Is this correct or just a standard letter?
Hello Em
I got the same "Not us guv, it's only the credit card boys" letter.
I cannot find in the Unfair Contract Terms legislation anything that says thet it applies only to Credit Card contarcts or that Bank Account contracts are excluded so I sent them a letter before action to which I had no response and I have initiated action via Moneyclaim online.
We shall see what transpires.
Fun this isn't it? Even if I get nothing out of this, and I cannot see that happening, just to be able to kick back at those who have so unashamedly "rogered" us for so long, is very satisfying.
I couldn't get the Bootle address (the old Giro Bank address) accepted so I entered the local branch address. There is a corporate HQ address in Leicester which might have been better but the branch address will work OK, it's inconceivable that they do not have an internal mail system.
you will, you just need plenty of patience....do everything by email if poss, anything sent snailmail must be sent recorded. If you want the address for serving documents it is: Alliance and Leicester plc,Carlton Park,NarboroughLeicester. LE19 0AL. The bootle office makes the payments....... (altho in corresponce Ive had from them, their legal dept sometimes refer to it as their bottle office (HAHA!) If you know the right amount, go for it. Good Luck (not that youll need it!)
yeah you got me i made it up i sat here wrote all that trying to big myself infront of people i will never meet.
but sadly i really had to do that i went in because i bought some stuff of ebay at the following prices 9,98,9,98,6.99,3.99,1,99 these were fake baits for fishing the charges totaled 150.00 thats all i wanted back so yes maybe i lost my rag but i have no reason to lie.
Sent the lba to A&L and today received another letter saying that "the OFT report did not give any specific recommendation regarding the level of charges appropriate for current accounts and that there has been no consultation between the banking industry and the OFT on this matter".
Have they got a point? I am just worried about taking them to court if this defence will go in their favour.
Sent the lba to A&L and today received another letter saying that "the OFT report did not give any specific recommendation regarding the level of charges appropriate for current accounts and that there has been no consultation between the banking industry and the OFT on this matter".
Have they got a point? I am just worried about taking them to court if this defence will go in their favour.
Many thanks for any replies in advance.
Em x
Hi
Don't worry, they are bluffing. Ignore the letter and continue with your claim based on your timetable. I presume you used the LBA template? If so you can enter a claim at the expiration of the 14 day deadline.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
The OFT report was into credit card charges, but they also commented on bank charges. The banks did not like this for obvious reasons, not least that they did not have the opportunity to discuss this with the OFT and were caught off guard when the report was published. It does not change the fact that the OFT did mention bank charges, so don't worry about it.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Advice about letter received
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Originally Posted by dingerbell007
