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.
I have followed the process very carefully and this is the response to my second letter to the mighty A & L
Dear Mr Brierley,
Thank you for your further letter regarding the charges raised on your account.
Having reviewed the circumstances surrounding your complaint I can confirm that the charges have been raised in accordance with the charging policy within the terms and conditions of the account.
The charges are published in our marketing literature for current accounts, providing the customer with an informed choice of product before opening an account and we also provide terms and conditions when an account is opened. Any changes or amendments, to the terms and conditions are notified, by post, statement inserts, and Online thus complying with the Banking Code Of Practice.
Whilst we can not comment on individual cases with third parties, I would like to calrify that the Office of Fair Trade report on 06 April 2006 although touched briefly on current accounts did not give any specific recommendation regarding the level of charges appropriate for current accounts. At present there has been no consultation between the banking industry and the Office of Fair Trade about current accounts. If any industrial wide consultation arises on the this matter, Alliance and Leicester will participate as appropriate.
We feel our charges are reasonable and competitive compared to the industry and they are clearly shown within our literature and on our website as well as being set out on monthly account statements. We have a range of great value current account products offering market leading rates and we regularly appear in newspaper best buy tables.
Having reviewed your account, I am sorry to tell you that I am unable to alter my original decision and have to advise you that the charges must stand. I appreciate that you will remain disappointed and regret I am unable to assist you further regarding this issue.
Yours sincerely,
Colin Hughes
Customer Services.
Although this is not good news for me I thought it may help anybody else who is trying to get back your money. I wish you luck. Im not sure what my next stage is going to be other than I should close my account and move on.
Hi Jonathon, Honestknob is right, this is the same reply that everybody gets. Not sure exactly which stage you're at though. If you're first letter was the S.A.R. (subjest access request), and you're second letter was the prelimanary request for a refund, then you need to be sending the lba. If the last letter you sent was the LBA then as honestknob said its time for Moneyclaim.
Don't be afraid of this, its not as bad as it looks. Check out my thread, there is some good advice on there when it comes to this stage.
Good Luck
A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9 MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) Morgan Stanley Data Protection Act sent 8/8 Total of £875 charges.
I received this letter 17th Aug. However the ending was slightly more rosey:o - they offered me just under a third of my claim. I'm writing a letter of rejection (found in templates) and submitting claim on Friday 25th. Don't know whether or not to go N1 form via Court or Money Claim. Some people have suggested N1 is better as you can send in person with claim summaries.
I'll keep you all posted - I won't say good luck to everyone because we won't need it -we are just getting our own money back!
Check the case guidance out should be helpful in templates section - these are useful summaries on what to do before and during a court sitting if it does indeed ever get to that stage!
Jase
Alliance and Leicester Dig their heels in.
of the account.
Reply With Quote
Total of £875 charges.
Re: Alliance and Leicester Dig their heels in.
