Thread: Jan v A&L won 24/8/07 - in spite of stay!

:? Great - I think I have started a new thread! Hope it is in the right place.

Have just sent first letter to A&L for details of charges for last 6 years.I have a parachute account with Cahoot (with whom I have had no problems)

My account with A&L was mainly for DD only for bills - but due to an error on our behalf went slightly over the OD limit next thing I know three charges of £34.00 for failed DD - even though my husbands salary is paid in on regular basis.Then it takes days to trf the money over for the DD and the charges.So it becomes a vicious circle.This has happened before and we have just paid up without argument and after seeing publicity for this site I have decided to take things further.I had asked for a temporary OD increase (while transferring money )and was refused and they mentioned an adverse credit rating? Cant see how this is the case as we have just had a large increase on mortgage granted - so they would have done thorough checks. Doing my own credit check anyway as thought it would be useful as amunition if A&L slap something on as a result of my action.I will update when I get details of charges.

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Thanks for that -getting the hang of it now.There is so much useful information out there.
Just re-sent SAR recorded this time.

Just want to get started now.

jansus

been away for a week - but on return have received a SAR questionaire form (two pages) and asking for cheque (already sent!)

Will send back form with photo copy of cheque tomorrow.

Keen to get things moving now!

jansus

Good luck with your claim, A&L gave me a bit of a run around and I thought I would never see my statements, but got there in the end! you will too.

Statements promised by 21/3 and received on 16th. Now have the task of going through them to see the extent of the damage.But it will be worth it I am sure.

I am also going to take my time and read the guides again to make sure I dont make any mistakes at this stage

Have been through all statements and just about to do preliminary letter. charges about £1000.00

I just want to check the following:

I have claimed unauthorised od charges/failed dd and failed cheque charges.

I have also included "paid item " charges (£25.00 each) what are these - does it mean when they pay a dd after it has failed?

I can see monthly charges for authorised OD of £5.00 a month(called monthly overdraft charge) which I have not claimed as understand these are service charges - but on odd occasions for no apparent reason this went up to £8.00 and once £25.00?
Am I safer to leave this out?


I have not included any interest charges at all as having read a lot of threads I dont think a definitive decision has been made on this. I understand the 8% can be added on at the court stage.

If somone can just point me in the right direction to check which charges can be claimed I would be grateful:idea:

jansus

Jansus- I noticed on my statements prior to a set date in 04 (which I canny remember) there was never any Unathorised OD Charges levied against my account, just the Monthly OD charge went from £5 to £25, so I classed that £20 difference as the unauth fee. The terms of our accounts its a £5 pcm fee for the overdraft, any more and it had to be some kind of penalty charge.

Good luck - we're at a similar stage for similar amount so it'll be useful to keep track of how you are doing!

thanks for that - my letter will be sent thurs by recorded delivery - just going to double check everything before i send

jansus

yes i see what you mean.

It also seems odd to charge a fee for an overdraft that has been agreed.

the charges are higher recently especially for just going overdraft by say £1.00 even when they know money paid in on regular basis . I noticed from my old statements they were much more lenient

jansus

preliminary letter and schedule sent recorded delivery.

just waiting for standard reply now.

will stick to recommended timetable even if I get early answer.

jansus

Tomorrow is 14 days for me since I sent Prelim letter and summary, and I've heard nothing, not even astandard reply!

Hope you have more luck

Hello, I'm still waiting for my statements to come through! Can't wait to get it all started. Watching your thread with interest, I hope everything is going ok. Best of luck x x x

Few days behind my schedule as have had a bit of a family crisis .

But just doing my lba now and making sure I have all my paperwork together.

Will photocopy everything again and send recorded delivery tomorrow - then try and read up again on the next stage while waiting for one of their standard replies. I am going to go the MCOL route next .

Thanks everyone for their messages of support.

Now anyone got answers for a sister going through a messy separation who asks for advice and then does completely the opposite??!!

jansus

Question-

I am just doing my lba .

I have been watching my credit report and have noticed that since I started the action A&L have placed two or three "amber warnings" on my account. As if i wouldnt have guessed they would . I have never had these on my account before . They are not defaults but still affect the credit rating as they are obviously visible to anyone doing a credit check.

As they are not defaults can I still make a request that they are removed ? Especially as I was only a few pounds over my limit before they added all the charges. And also taking into consideration I asked for a temporary increase in my overdraft whilst I transferred some money to my account?

In other words can I add a personal paragraph to the standard letter??:?


Thanks


Jansus

bump