Junklunacy v Alliance & Leicester

**junklunacy** · 3rd January 2007 09:39

Hi All, This is my 2nd thread for claiming back charges. My first is junklunacy v Barclays icon

which is currently at MCOL stage and awaiting Barclays defence.

With regards my A&L claim I have sent my letter for repayment on 30/12/2006 for a total of £746 excl interest icon

. I will be giving them 14 days before I send them another letter and then a further 14 days. If i don't receive the FULL amount after this time I will be paying MCOL another visit as I have done against Barclays. End date for A&L to pay me in FULL is 27/01/2007.

Similar Threads:

**junklunacy** · 6th January 2007 12:30

I've received a fob off letter from A&L. They comment on OFT comments on late payment charges and that they were actually referring to late payment fees for credit card payments which are distinct from bank charges on current accounts bla bla bla. So another letter is on the way to A&L setting timescales for my demands etc..etc.. This WILL NOT DETER ME!! Nor should this put off any other people who receive similar letters from their banks. We must NOT let them put us down or detract us from our main objective - getting OUR cash back!!

**vwunderkind** · 6th January 2007 16:09

me and helemn received exactly the same letters today from a&l...i have already sent lba icon

to them...up theirs...........still waiting from Capital One icon

statements and Barclaycard said that they will charge £3 per each statement i require and i needed 6 (as all the rest of them i have) and they have only charged me £3 for the whole lot....strange

**junklunacy** · 12th January 2007 08:42

Sent A&L a letter on 8/01 to basically remind them that i'm serious and the timescales they have to meet my demands. A fob off letter will not wash here. Looking forward to their next letter.

Follow my claim with Barclays icon

here http://www.consumeractiongroup.co.uk...-barclays.html

**junklunacy** · 13th January 2007 11:23

Received a letter from A&L yesterday 12/01. They've had the 'opportunity to review why the charges were raised and considered my comments', yea right! Again they have said the charges are in line with other organisations and supplied a phone number and web address to fix all my 'problems'. These guys are heartless but not unexpected. I will be posting another letter prior to their deadline one last time and if that fails MCOL here i come.

ian cognito · 13th January 2007 11:27

It would appear you have to file a claim before they will pay out, but pay out they will, I did mention to the court when withdrawing my claim that they without fail say they will defend the cliam but have never yet done so, lets hope the courts are now taking some notice!

**junklunacy** · 15th January 2007 08:31

I am prepared for court so as soon as the timescales I've given them elapses I will be visiting MCOL.

**Ros2710** · 15th January 2007 12:16

Hi
I've received the same letter from A&L as follows
' commets of OFT were referring to unfair credit card charges and had nothing to do with banks.'

they did not accept they I had been unfairly charged and couild not agree to my request for a refund of charges.

This was after my preliminary letter from library which already sets out timescales. Can I now send lba icon

as they have replied, even though its less than 14 days?

**junklunacy** · 15th January 2007 12:24

Personally i would stick to your timescales 14 days and another 14 days. It means if you do go to court you can say you gave the bank adequate time to deal with your case. I sent another letter after the one you received saying that i wasn't happy with the standard repsonse and that i will be submitting my claim on MCOL when the time comes. To bait them more i will remind them what I'm doing 3-4 days before I do it. Again it gives them time to reply and I'm still sticking to my timescales. In this case they have until 27/01 to give me my money otherwise i will be visiting MCOL.

You can view my other claim with Barclays icon

here
http://www.consumeractiongroup.co.uk...-barclays.html

**Ros2710** · 15th January 2007 13:58

thanks for that. I will send another letter like you and repeat timescales etc.
Thought a lba icon

was the next step?

**junklunacy** · 15th January 2007 14:04

These are letters before action....until i either receive money in full or i submit my claim online.

**junklunacy** · 30th January 2007 13:00

I've received a 3 RD icon

letter from A&L basically saying bugger off. I've given them more than 28 days to deal with my complaint satisfactorily but to no avail. I'm currently due in court next week for my claim with Barclays see here http://www.consumeractiongroup.co.uk...-barclays.html so as soon as that is sorted I will be filing my claim with MCOL against these people!

**Ros2710** · 30th January 2007 13:19

I have had an acknowledgement from A & L to my lba icon

letter saying thy are looking at it and will contact me idc. Will only wait theoriginal 28 days before I do a claim

**junklunacy** · 1st February 2007 16:18

That's the way to go

!!

**junklunacy** · 3rd February 2007 10:36

I've received a letter from Barclays icon

offering to SETTLE IN FULL

see here http://www.consumeractiongroup.co.uk...-barclays.html So A&L i'm coming for you....

MCOL will be visited in next day or so!!

ian cognito · 3rd February 2007 10:38

Well Done!!!

A&L? - stroll in the park

**junklunacy** · 12th February 2007 23:45

Have just submitted my claim at MCOL 12/02/2007.

ian cognito · 13th February 2007 14:21

Cheque towards the end of next week then!

**Ros2710** · 13th February 2007 14:53

I put my claim in to court last Thursday (7th Feb). I had a letter today offering me charges claimed plus around £200 (£1911). I have claimed £3342 with interest icon

and actual charges are £1769. I think this letter crossed with the small claims notification.
I do not intend to acept it and will tick out for whole amount.

**Ros2710** · 19th February 2007 00:03

How are you doing with your claim?

I have now had letter of acknowledgement of N1 and they are going to defend.
Have you heard anything yet?

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