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Just a big thx to you all for the information on this site. I visited the Govan Law Centre site before I registered here here and have sent off the Data Protection Act letter. I have had financial problems in the past and have paid large sums of money to A&L with regard to these, as a consequence I do not have the best credit rating, however, there are no ccj's only a couple of default notices from 5 years ago.
Now I am concerned that A&L are going to close my current account at some point. I am not (lol) very attached to A&L and am quite prepared to open a parachute account (wish I had read about this before sending the DPA letter). Will having the adverse credit rating affect my getting a new bank account? I would also like to have a go at A&L through the courts if they try and close my current account as this is hardly equitable , which I understood was a principle of English law.
I will keep you posted of events.
Just a thought should I start to add the "Alliance and Leicester Data Protection Act letter sent DD/MM/YYYY" signature to the bottom of any posts? Can anyone tell me how to do it?
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
What a parcel!! Wish I could charge 'em an hourly rate for going through this lot! OK guys, guess I have to do the spreadsheet stuff, some questions :-
a) oldest charges first or t'other way round?
b) interest after lba i.e. when you do moneyclaim?
c) If the total charges are greater than £5k break them into two claims?
They also seem quite keen on me as they have actually sent me my statements going back to 6 March 2000, can I claim the penalty charges back beyond 6 years? or is it 6 years from date of SAR?
Thanks
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
Oh I have just read the last para. of the covering letter...
"If you want to query any aspect of the details provided, please write to me at the address given above"
Oh I will, I will....
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
What a parcel!! Wish I could charge 'em an hourly rate for going through this lot! OK guys, guess I have to do the spreadsheet stuff, some questions :-
a) oldest charges first or t'other way round?
b) interest after lba i.e. when you do moneyclaim?
c) If the total charges are greater than £5k break them into two claims?
Thanks
a) Not sure, maybe it makes no difference.
b) Yes.
c) Yes.
Just worked out the charges + interest on their penalties = £4989.93. Handy, just under the £5k . Prelim letter sent today.
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
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.
Quick response to lba!! Fob off letter "Our reference aaannnn/UNFAIR4" .At least they did'nt charge me £25 for the pleasure. Arrogance comes before a fall though.
MCOL or visit to Reading CC?
Can someone give me a link to the words to use?
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
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.
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
"Claimant has account XXXXXXXXX with Defendant conducted on their standard terms and conditions. Claimant is claiming the return of £4926.01 taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.
In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from 9 November 2000 to 28 September 2006 of £34.48 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £1.09 (Amount claimed x 0.00022)."
Interest taken from the most excellent Spreadsheet
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
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.
The interest is £4926.01 x 0.00022 = 1.0837 = 1.09? or can I not do that...
Yup the words are from the template, although as I can't remember when we opened the account (long, long time ago) I simplified that sentence by removing the "opened on".
The interest on the total owed is directly from the complex spread sheet...
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
You should be charging interest on each charge from the day it left your account. At the rate of £1.07 a day that is only about a months interest. Check your spreadsheet.
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.
Beserker v A&L ***WON***
(wish I had read about this before sending the DPA letter). Will having the adverse credit rating affect my getting a new bank account? I would also like to have a go at A&L through the courts if they try and close my current account as this is hardly equitable , which I understood was a principle of English law.
Reply With Quote
Originally Posted by Beserker
. Prelim letter sent today.
.