Thread: Fizzerfox V A & L

Hello everyone,

looks like A & L are the bank to contend with.

I have sent the 1st letter listing my claim, only £168, small change compared to some I see on the site but still my money.

Just received the reply telling me that the OFT are referring to credit cards and not banks but have offered my £50 as a gesture of goodwill.

I have also noticed that another £25 charge will be removed from my account on Nov. 4th 2006.

Do I reply to the letter or treat it as a standard response and continue to step 2 (increasing my claim to £193)

Thanks in advance.

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• Hello everyone - fizzerfox v A&L

Hi Fizzer

I would hold out for the full refund and would also request the £25.00 due out off your account in November - cheeky sods!

You can write back accepting the £50.00 as follows: Further to your letter dated ?????, I am happy to accept your £50.00 goodwill gesture as payment for the outstanding charges incurred, however, this is not an agreement to Full and final settlement as I am still looking to recover the remaining £143.00"

You should then receive another offer - hopefully the full amount.

Hope this helps.
L

Thanks L

I will wait the 14 days and respond with the lba, informing them of the increased claim amount at the same time.

Thought I would add the following:

A & L have offered me £50 refund, which I do not intend to accept, however they have paid £25 into my account already and the £25 is coming soon apparently.

Did a credit check this week with Equifax as I am trying to get a mortgage and A&L are showing me as 2 months in arrears, strange as I only went overdrawn for no more than 10 days. Do I need to request that they remove this information from my credit report?

Have you just got a current account with A&L or have you got a loan too? I don't understand how you can be in arrears on an overdraft unless you have some kind of agreement to repay it. I would definitely query it with them.

I have no loans at all. Recently divorced and finally debt free in fact, so although I have a poor credit history, I have no current debts, no credit cards and no overdraft facility. A&L won't give me one even though I have their premier direct current account. Just rechecked the equifax and it refers to my old A&L account (closed this month) it was 1.30 OD for 2 months as it sat waiting to be closed. I must get them to sort that out too. £1.30 OD giving a poor credit rating.

Thanks

Just finished preparig my lba. Thanks for all the help and advice so far.

Just received unfair4, having already received unfair1 earlier. Pressing on, 7 days since lba sent. Unfair4 was at least signed, although it was PP'd, ah well. When you ask for dialogue you get standard replies.

Just bringing you up to date.

Hi,

have today received a cheque from A&L for the full outstanding amount plus interest of £176.60 (small compared to some I know). Not an admission of liability etc. etc.

However the final sentence in the accompanying letter reads as follows:

"As it is clear that you do not accept the terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation."

During this contact should I bear in mind that the terms and conditions that I "do not accept" are unfair and unreasonable?

Thanks for all the help, donation to follow shortly.