alexifa v Alliance & Leicester - super quick offer

**alexifa** · 28th October 2006 16:29

Brief background first.
I only opened this account in January this year to deposit a large(£25k) cheque. I was going to use this account to pay my bills from. Anyway, I decided to close the account in June because I found them to be very poor at dealing with certain requests I made. So on 8th June 2006 I went into the branch and I had the balance paid by CHAPS to another account and I asked for the account to be closed and cancelled al my direct debits. I thought nothing more of this account.

Shortly afterwards I received a letter to say your account has been closed and all direct debits cancelled.
The next month I received a statement showing that a direct debit icon

had been returned unpaid and I was being charged £35 for this and £35 for having an unauthorised overdraft icon

. I rang A & L and they said soory, nothing we can do, how do you want to pay.

Since 8th June when I closed my account and desoite numerous telephone calls icon

and a branch visit, this account is now £458 overdrawn, all purely charges.

On 22nd October I sent a prelim letter asking for this amount back plus another £240 in other charges from earlier in the year and for all late payments on my credit file to be removed.
On 26th October I received a very abrupt letter from A & L Debt Recovery Division as follows:

Dear Mr xxxx
I refer to your recent communication.
As a gesture of goodwill icon

I have made arrangements to refund £458.64 in respect of fees/charges raised on your former account. I now cosider this matter closed.
Yours sincerely

Anyone else had such a quick and abrupt response?
There is no mention of the late payment entries on the credit file and ther is about £240 less then I asked for. Am about to send my lba icon

.
Any comments/advice?

Similar Threads:

ian cognito · 28th October 2006 16:33

I got a quick and abrupt response but from what I remember it ended with OFF!

Good news for you at least, don't tink they could argue much with this one though!! well done!

**sharmore** · 28th October 2006 19:39

Well done they must have new that one was their fault.

I would just write a letter asking for the updates to be removed from your credit file if they haven't already.oiu

What a bloomin cheek

**Lil** · 30th October 2006 16:50

They really tried it on with you didn't they!! If you want to pursue the other charges you could always write back accepting the £458.64 as an interum payment but let them know the amount they have left off will still be pursued. Why should it be down to them to decide what they will pay you and when the matter is closed??
I recon they are getting fed up off having to go through all the court procedures and having to pay interest icon

that they are trying a different approach!!
They know we mean business!!!

**alexifa** · 30th October 2006 23:54

Sent this today:

letter before action
Dear Sir/Madam,
Ref: Account Number: xxx
Thank you for your letter of 26th October. I am disappointed that you have failed to mention the late payment entries on my credit file and that your offer of £358.64 is £231.36 short of what I am claiming. I will accept the £358.64 as part payment of my claim but will continue to pursue the outstanding amount and the removal of late payment entries from my credit file.
I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit icon

refusals, exceeding overdraft icon

limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I calculate that you have taken £590.00 from my current account. I am enclosing a copy of the schedule of the charges which I am claiming. Additionally you have entered late payment entries against my credit record. This late payment occurred merely in respect of unlawful charges levied by you or was the result of impecuniosities caused directly by the taking by you of penalty charges that you had applied unlawfully to my account.

In addition to full payment of the sum mentioned above I require that you remove the late payment entries from the register.

I require repayment in full of this money and removal of the late payment entries. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

Yours faithfully,

**alexifa** · 16th November 2006 19:40

Update: Had a phone call icon

from A & L Debt recovery division. The nice lady explained that this was all a mistake anyway as they wouldn't pursue a debt that was made up solely of charges as this "wouldn't be fair..." lol!
She agreed to refund all charges and reset my credit history with the CRAs to reflect no late payments. Have checked today and experian is clear but equifax not updated yet.

**Lil** · 16th November 2006 20:10

Thats great news, keep an eye on it to make sure they do what they have said they will.

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