Thread: probs getting statements

Hi

I sent off the letter for the statements with cheque on 5 Feb and sent it rec delivery so I could check when it was signed for, it was signed for on 6 Feb. When the cheque had not been cashed I called the A & L and spoke to a guy who said yes they had received the cheque and they were processing the request. Still no statements and cheque still not cashed last week so rang again and this time a lady said that they only cash the cheque when they send the statements and they should be with me in a couple of days (Saturday or Monday this week) still no statements so I rang this morning and a really nice lady said there was no record of the cheque or the letter!! told her it had been signed for and what the guy had said and the lady last week... she said would email the dept and get back to me today. Well she didn't and so I rang again, this time the woman on the phone said they requested the statements today and it could take 40 working days. Can they do this. Has anyone else had this happen to them? If this bit is so hard - will it get harder? The amount I will be claiming is quite a bit, they have over the past six years sometimes made things very hard for me (and my family) with the charges eating away what money has gone in. All the stories are very encouraging and I spoke briefly to nice person on chat room she mentioned a letter template do you think I should send it now or maybe wait until the 40days are up from the 6 Feb. Sorry to go on..

Thanks v much (if you got this far reading it!)

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Thanks all of you, will wait til the end of the week if nothing comes then will send a 7 day letter. No doubt I am going to need more help with this, its more complex then we thought so am reading up on it. Thanks again

Hi

I finally got my statements today and I have done the spreadsheet and sent it recorded delivery - I have sent it to the head office in Leicester and to the customer service centre. Do you think I have done the right thing. I am v nervous about this as when I worked it out going back to August 2000 it was over £8000 including the 8% interest. But then I realised the 6 years back from today was March 2001 so its come down to £6579.76 with the interest. It has made me feel sick as I am just an ordinary mum with a part time job so there must be loads of people like me who have been stung for charges by A&L - if we got this back it would seem like a bit of justice but can't believe it will happen as its a lot of money.

My friend has said send it an try to forget about it for the next 14 days

This website is so helpful and I found a lot about other things I did not know.

Thanks for this without it I would not of had the courage to go ahead.

Hi, dizzykate.

You are absolutely doing the right thing. £6 thousand is a shocking amount to have been deprived of, isn't it? Just think of the benefit your family will get from receiving that back in one swoop - financial stability for a while if you keep a fraction of it in the account to end the 'cycle of charges'! Sounds good to me.

You did remember just to ask for the amount of the charges didn't you - no mention of the interest you will add on if it goes to court?

You could have used the Bootle address as they will be the ones dealing with it, but this won't be a problem, Leicester will forward it on. The time to use the Leicester address is in the court application.

I see your friend suggests you forget about it for the next 2 weeks. I doubt you'll have to wait that long before A&L write back saying they're not in the wrong and that only credit cards are the culprits. So you could always get your lba printed off, ready to send on the 14th day!

Keep up the good work, it'll be worth all the effort in the end.

Hi Kate - it is a shocking amount to have taken from you - I was annoyed when I worked mine out as nearly £2k (without interest!) I can't wait to get my money back & am just starting a claim for my partner as well!

Hi all

Thanks for the supportive words, well the letter(s) were signed for at leicester and bootle so no going back now, well I could but I'm not its a bit of payback time for when you ring up and the cust serv advisors are rude or patronising and unhelpful. I was v shocked at the amount but my partner wasn't he remembers when his work was slow and I kept getting these letters from A & L. I used to think they would not increase my overdraft cos I was such a rubbish customer who could not organise my money but hey now I know I was pretty good for them on the charges side of things.

Thanks again

Hiya

Have had the first letter back saying that the charges are fair etc. Have sent the lba recorded delivery and its been signed for. I am a bit confused about the amounts of money that can be claimed for - have read the faqs, can I claim for over £5000 then include the interest and court fees. Or does this have to go through the fast track? Has anyone claimed for more than £5000? Would appreciate some advise if possible, (so I can prepare as I just know that will have to claim through courts)

Thanks

Kate

Originally Posted by dizzykate

Hiya

Have had the first letter back saying that the charges are fair etc. Have sent the lba recorded delivery and its been signed for. I am a bit confused about the amounts of money that can be claimed for - have read the faqs, can I claim for over £5000 then include the interest and court fees. Or does this have to go through the fast track? Has anyone claimed for more than £5000? Would appreciate some advise if possible, (so I can prepare as I just know that will have to claim through courts)

Thanks

Kate

Last time I stuck my head above the parapet on this one Kate, I got shot at, big time; but your need for a reply is more important than my fear of being used for shooting practice, so here goes!

There are two ways of looking at it:

1. Claim the whole lot in one. Bad news - you'd have to pay costs if for any reason you lost; good news - the advocators of this route will say it's unlikely to happen.

2. You split the claim, in effect claiming twice. You would claim for the 1st £5000 worth of bank charges, (total would not include the interest you apply for or the court fees you want back), then when that claim was settled, you'd start a 2nd claim for the last few.

If it were my claim, (and I stress this is only my opinion), I'd go the 2nd route. This has been done successfully before. I am also very cautious by nature, so this is why I'd take this tack, as well as not wanting to risk being out of pocket by £750 costs if I lost the case.

I should tell you that there is growing speculation that banks may soon begin asking the courts to throw out further claims as the claimants are being 'vexatious'. Those who follow this idea qoute what is happening in Scotland at the moment. However, as our Scottish counterparts can only claim £750 at a go they have to make a h*** of a lot more claims to get back £5000, so the two aren't really comparable. (But that's only IMO and not to say it won't happen; but I have read a thread where one bank tried it recently and the judge poo-pooed the idea, so safe-ish at the moment.)

Don't let me persuade you one way or the other, Kate. Perhaps I shouldn't have said which way I'd go, but then my doing that leaves it open to anyone else who wishes to argue for the other route, so perhaps I won't indulge in guilt after all!

I think I've laid out the facts for you, as fairly as is possible to do. As always, though, the final decision will be down to you, as it's your claim. You still have plenty of time to ponder on how you wish to proceed, and to ask for more advice if you wish to. GOOD LUCK.

thanks younganfree for the advise, I think that the 5000 1st claim with interest is the way I will go. In the end its money I thought had gone forever so I would not want to risk losing and having to pay their costs. Looking at other peoples stories etc A &L dont seem to have any sort of criteria they use with regard to amounts they do and dont pay out. Some of the smaller ones you would think they would just pay out really I'd love to be a fly on the wall there when they make decisions.

Thanks again for the advise

Kate

Bear in mind, Kate, that if the people who think further claims will be barred in future are correct, you will be losing that final £1000 of your claim.

hi glenn uk

thanks for that I suppose if I am going for over 5,000 then I may as well I am going to read up on this sola as it looked as if it might complicate things. Thank you for that advise much appreciated

Kate

dizzykate - I may be mis-reading or misunderstanding here,but you seem to be hell bent on giving them chance after chance to deal with your requests, and leaving more than enough time for them to comply. I don't think you should lose sight of the fact that this is YOUR claim, not theirs. You set the timeframes and abide by them. If they decide not to then that's their lookout.
The methods used on this site are tried & tested and they work. phone calls are a complete waste of time. You MUST have a paper trail if you want to pursue them. E-mails only go to a centralised customer service section and they are not equipped to deal with the complexities and legalities of bank charge reclaims.
Just MHO, but all the time you stall they will stall more.

hi ladybird17

I know it looks like I am being a bit wet, but am going to put the papers in the court tomorrow. Tonight going to read all the threads again and the faqs re court

Thanks for the encouragement. I knew from the letter that it was just the contact centre standard response and just wanted to make sure that it was not something I should take any notice of.

Thanks Glenn UK am going to look at the threads after tea.

Ta v much

Kate

hi dizzykate - well I didn't mean to imply you were wet!!
I know it's only too easy though to think I'll just give them a call, or I'll just wait for tomorrow's post - been there, done it!

I'm just very passionate (I can't think of a better word!) about this campaign. I think it's shameful the way financial institutions behave, and now that this "consumer revolution" seems to have taken off, I just don't want it to lose its momentum.

So sorry if I appeared harsh - and I wish you best of luck - keep us posted!