willowthewysp v A/L

**willowthewysp** · 21st October 2006 08:57

Just a quick Hi to all!
Am just about to send off my pre-lim(?) letter to A/L.
I have been trying to print out my statements but so far all i get is 'internet explorer has encountered a problem and has to close'........getting suspicious as i dont have a problem printing anything else out!!!
Anyway, Today, i received a 'default notice' from A/L....i take it this is a bad thing!

Will keep updates here...
xx

**livelylad** · 21st October 2006 09:03

Originally Posted by willowthewysp

Just a quick Hi to all!
Am just about to send off my pre-lim(?) letter to A/L.
I have been trying to print out my statements but so far all i get is 'internet explorer has encountered a problem and has to close'........getting suspicious as i dont have a problem printing anything else out!!!
Anyway, Today, i received a 'default notice' from A/L....i take it this is a bad thing!

Will keep updates here...
xx

Its not good however you can have it removed if it is because of charges.

**willowthewysp** · 21st October 2006 09:58

Well, in the end, it all comes down to charges....i am very over-drawn now, but if i didnt have the heavy charges applied, i would not be over-drawn!

**caro** · 22nd October 2006 15:38

Write and tell them that you are placing the account in dispute and they shouldn't take further action until the dispute is resolved.

**willowthewysp** · 22nd October 2006 23:43

Thankyou!

Is it possible to try to get money back from 2 companies?...ie, a bank and a credit card?Or is that taking the p***?!
xx

**Beserker** · 23rd October 2006 00:02

Yes, although you may want to take one on at a time, it is never taking the p*** when they have taken it out of us for so long.
As for the default, they told me some time back that they issued one against me, checked the Credit Reference Agencies and there is not one registered by A&L, might be a frightener (they are quite naughty). However, I would check with with the CRA's to get the truth. Have you got a parachute account icon

up and running?

**caro** · 23rd October 2006 01:30

Originally Posted by willowthewysp

Thankyou!

Is it possible to try to get money back from 2 companies?...ie, a bank and a credit card?Or is that taking the p***?!
xx

You can claim from however many companies have had unlawful charges from you. You have done well if it's only two. Berserker is right about just doing one at a time, at least until you are more familiar with the process.

**willowthewysp** · 23rd October 2006 12:22

Thankyou, Caro and Beserker...I will deal with A/L first then, then my credit card....they have been really naughty, so i will enjoy 'sorting' them out....i took out payment protection plan 6 years icon

ago (was on benefits),when i realised i was getting charged every month and therefore going over my limit because of the charges and so on, i tried to use the payment protection plan as having paid £5 every month for 6 years would have helped a lot...i was told i couldn't use it as i wasn't working and shouldn't have been able to get the credit card in the first place due to not working! I am now going more over my credit limit steadily every month as i can only pay £10 a week to them!

And yes...i have an old Natwest icon

'step' account which i am now using..(not good for much, but my money goes in and i can take it out!)

xxx

**Beserker** · 23rd October 2006 12:37

Do check the credit reference agencies, if they have logged a default against you, have a go at getting it cleared at the same time you claim the penalty charges back. Defaults are almost as negative on your credit history as CCJ's and will mean that if you go for a mortgage icon

you will be unable to use the high street lenders (I know from personal experience). Search through the threads about this and as always read the FAQs, it can save a lot of worry.

**willowthewysp** · 28th October 2006 10:16

Well, have just managed to send off my first letter to the bank.
Am looking forward to receiving a reply...!

**willowthewysp** · 3rd November 2006 21:51

Ummm...I have to hold my hands up to being completely stupid!!
I have sent my pre lim letter to A/L...I didn't send it recorded!
Should i send another one or wait the 14 days?
Im SUCH an IDIOT!!!
x

**willowthewysp** · 4th November 2006 09:36

Received a letter today from A/L, I was a bit worried at first, but logged on to this forum and after reading through some of the posts, realise that this letter i received is pretty standard...
Its explaining that the OFT were reffering to credit card charges being unfair..not bank charges...A/L 'cannot accept i have been unfairly charged and therefore are unable to agree to my request for a refund of charges on this occasion'....they are sorry if i am disappointed with their response, but the 'charges have been raised correctly in line with the terms and conditions icon

of my account and they must stand'............!!!

So, it seems i am on to the next step!!
Will have a good read of any information on here first, so i am sure of what i am doing...

I knew A/L would dig their heels in, but was kinda hoping they would give me a break!
(Mind you, they probably don't think they will here from me again!

)
xx

**willowthewysp** · 4th November 2006 09:59

Forget that last statement...Received a sod-off letter this morning!

**nathal** · 4th November 2006 11:58

yes, that is a standard letter
continue with your claim

**caro** · 4th November 2006 16:35

Threads merged. Please keep your progress on one thread as it makes it easier to follow.

**willowthewysp** · 7th November 2006 15:43

Well,isent my letter before action icon

this morning,and i sent it recorded.
Am looking forward to receiving a reply now!
x

**willowthewysp** · 9th November 2006 14:11

Received a lovely letter from A/L today!...They obviously havn't received my L.B.A yet, or the letters crossed....I am over-drawn with them, and the debt is mounting as they continue to charge me, they are demanding a full and immediate repayment of the account!
If i do not pay immediatley, further steps will be taken to recover the debt and a CHARGE OF £15 will be raised on my account!!!!!!!
Oh dear!
Nevermind, i have demanded a lot more money than what they have!!!So they will get paid when i do!
xx

**caro** · 10th November 2006 22:26

I suggest that you write to the person who wrote this letter and tell them that the account is in dispute icon

, and as such, no further action should be taken until the dispute is resolved.

**willowthewysp** · 12th November 2006 11:58

Really? Ok i will do that, although i have just been informed by paypal icon

(not A/L!) that my bank account has now been closed!
Nice!

**caro** · 12th November 2006 12:11

Just to be clear, they have had your preliminary request for payment haven't they? If so then you have told them that you don't agree with the charges and are disputing them. If the account has been closed already it might be difficult to get it re-instated but if not, they should resolve the dispute before taking action. It would be as well to fight it in case they put a default on with the credit reference agencies which could affect your ability to get credit or a mortgage icon

for the next six years.

If I were you I would transfer all your income, direct debits etc to a parachute account icon

as a matter of urgency. Are your charges more than your overdraft icon

? If so the returned charges will clear it and you can start off with a clean sheet in your new account.

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