Thread: pamandal V Alliance & Leicester

Well i've kept my new year resolution to myself..... I've finally sent off my S.A.R to Alliance & Leicester. This is an old account of mine which was closed in 2003 (by them). After they charged me over and over again...and I couldn't manage to get straight again....I can remember ringing them to ask for their help as I was paying so many charges...to see if they would waver them, so that I could get straight.... and they did not want to know and closed my account... I then had to make monthly payments to them of 100.00 until I had cleared my overdraft. I think I was treated appaulingly by these people, it was their extortionate charges that had got me in a mess in the first place.

Unfortunately, I did not keep any of my account details, but I have sent off my S.A.R and confirmed my personal details and have asked them to trace the account, based on the information I have given them.

S.A.R - (Subject access request) sent to Barclays 2.1.07
SAR sent to capitalone 2.1.07
SAR sent to barclaycard 2.1.07

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Hi all,

Have not recieved a reply from A&L although they have cashed my cheque on 9th January. So decided to call customer services. 0845 300 3594.

They are saying that they have no record of my Subject access request or my old account, which was closed in 2003.

They asked why I wanted my statements??

So I said that I wished to claim back the unlawful bank charges they applied to my account.

They said that I had no chance of getting any of these back as it has been 3 years.

I said that I was under the impression that I could go back 6 years. She said no and that I should get advise from citizens advice.

I said that I had done my research and would be claiming these back.

I was then asked how much I thought these charges were?

I told them I was not willing to discuss this anymore at the present time.

I was advised to write in again......(which I will do.....today!!!!)

The phonecall ended with A&L advising that they did not want me to waste my time...... They are so considerate!!!

Any thoughts????

Just a quick update, ***I NEED HELP ****

I sent off letter to A&L on 22nd Jan to

Mal Boyes
TCA3
2nd Floor OPS
Bootle
GIR 0AA (This is the person who is dealing with old accounts.)


but still had no response, so decided to follow up with a telephone call this morning, as the 40 day limit for them to comply is almost up.

0845 300 3594.

There is still nothing showing on the system under my name and they still can find no record of even my account with them.

So I spent the morning telephoning around, Working tax credit, family allowance to try and find my old account number.


Finally success, The Student Loans Co. had my old account details and were able to provide them to me over the phone .

So I rang A&L back with these and they can still not find any record of my account on their system . Either under my name or under my account number, this is not making any sense whatsoever. They have however forwarded my details on to Mal Boyes.

Where do I stand now???

My account was open and active between 2001 and 2003.

Are they required by law to keep records ??? What happens if they can't find them???

I have provided A&L with more than enough information to be able to trace my account.

I was thinking of giving them until the end of next week then sending letter before action to force them to produce them. But am thinking what is the point if A&L can't find them. what would happen then??

I am really hoping that someone else has had similar problems and can advise me.

Please help as I'm not sure what to do

thanks in advance

Another thought further to the good advice above- if you paid a £100 per month from your current bank -you should have some record of this ? And maybe a letter confirming you cleared the debt?Even if it did not go direct to the account because it was closed it would be proof you had the account? As per previous reply why dont you just carry on - if they can not find account details that is their problem not yours.Also what about getting a credit check as your account number should be on there. e.g Equifax? You would be surprised how far back the details go.I think Martin Lewis money guide guy has suggested I think you can get the details by getting a free trial. I paid £14.95 for mine - just so I have a record to prove I have good credit rating before I start - in case of retaliation action by A&L.

best of luck

Thanks both,

I paid by cheque and it was cashed.

I will give them until the end of next week and if I still have not recieved anything, I think I will send letter before action for non-compliance and if needs be, pursue it through the courts. I just can't believe that my account details cannot be found even though they now have the account number.

I will look into getting info from experian tonight at least I'll have something in writing to prove that I had the account.

Thanks again for your advise.

Sent letter before action regarding Subject access request on 13th February, after being told by A&L that although they can now find my account details on their system, they have no record of me submitting this request.....(getting more than a little fed up of being given the runaround by this point )

4 Days later I am now in reciept of my statements.

I think i have got this right I am claiming for the following:

*Monthly OD Charge-this was applied to my account monthly each time i became overdrawn as i did not have an authorised overdraught facility with them.

*interest

*Paid Item Charge

*Failed direct debit charge

*Failed cheque Charge

Total without interest 1,793.56

I am thinking about including interest with this claim, so am going to hold back with this over the weekend so that I can look into this further.

thanks

well I have posted my pre-lim letter today, after omitting the interest charged, as after reading around the other threads think this may be lawful. It does not change the amount I am claiming by very much and I would rather be safe than risk my claim being thrown out.

But have decided to leave in the monthly OD charge, the reason being that I did not have an authorised overdraught, so I do not think that this can be a service charge. Also it was applied each time I went overdrawn, even by only a small amount, so I consider it a penalty.

I hope I've done the right thing

I really don't want to make a mistake

Been up hill until now, pamandal, but it looks like you're OK now.

Keep us informed of how things go.

Hi there, I've had 2 reject letters from A & L now, whay do I do now? Wont let me download N1 letter x

Hi, Applepie.

Start yourself a new thread of your own, you don't want to hijack this one as it'll lead to confusion in people offering u help!