Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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Thread: draver v A&L

  1. 17th May 2006 19:07 #1
    draver draver is offline
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    Default draver v A&L

    Sent my DPA letter and £10 cheque by recorded delivery today. Always found A&L to be a building society playing at being a bank. No flexibility on charges whatsoever. Will wait and see what they charged me!

    draver

    Similar Threads:
    Halifax Data Protection Act sent 17/05/06
    breach of DPA will send statements

    A&L Data Protection Act sent 17/05/06
    statements received 23/06/06
    request £477 + £91.99 10/07/06

    York' Bank DPA 17/05/06letter back 24/05/06
    breach of DPA court letter 10/07/06
    HSBC £2776.50 not started
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  2. 17th May 2006 19:28 #2
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    Default Re: draver v A&L

    Keep us posted in this thread so we can help out if necessary.
    Good luck.

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  3. 23rd June 2006 19:59 #3
    draver draver is offline
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    Default Re: draver v A&L

    Received my dpa bank statements today from A&L. Charges for the time I had my account come to £477. They did charge me £25 a month for having an authorised overdrafticon, can these charges be claimed back. I'm thinking they can't is that correct?

    draver

    Halifax Data Protection Act sent 17/05/06
    breach of DPA will send statements

    A&L Data Protection Act sent 17/05/06
    statements received 23/06/06
    request £477 + £91.99 10/07/06

    York' Bank DPA 17/05/06letter back 24/05/06
    breach of DPA court letter 10/07/06
    HSBC £2776.50 not started
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  4. 23rd June 2006 20:04 #4
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    Default Re: draver v A&L

    Unfortunately not, this is a service charge

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  5. 10th July 2006 16:23 #5
    draver draver is offline
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    Default Re: draver v A&L

    Sent of the preliminary request letter today. Owe me £477 + £91.99 in interesticon. We shall see what happens!

    draver

    Halifax Data Protection Act sent 17/05/06
    breach of DPA will send statements

    A&L Data Protection Act sent 17/05/06
    statements received 23/06/06
    request £477 + £91.99 10/07/06

    York' Bank DPA 17/05/06letter back 24/05/06
    breach of DPA court letter 10/07/06
    HSBC £2776.50 not started
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  6. 21st July 2006 13:27 #6
    draver draver is offline
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    Default Re: draver v A&L

    Had a letter back today 21-07-06 from my letter dated 10th July asking for my £477 in charges back.

    They have refused on these lines:-

    "The OFT has commented that they consider the level of late payment charges to be unfair, however they were actually refering to late payment fees on credit card payments which are quite distinct from a bank's charges on current account's.

    As yet the OFT has not yet entered into any discussions with the banking industry regarding current accounts. However should that position change in the future then A & L will participate as appropriate.

    Given the above I cannot accept you have been unfairly charged as you suggest. I regret, therefore, that I am unable to agree to your request for a refund of charges on this occasion."

    Draver

    Halifax Data Protection Act sent 17/05/06
    breach of DPA will send statements

    A&L Data Protection Act sent 17/05/06
    statements received 23/06/06
    request £477 + £91.99 10/07/06

    York' Bank DPA 17/05/06letter back 24/05/06
    breach of DPA court letter 10/07/06
    HSBC £2776.50 not started
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  7. 21st July 2006 14:28 #7
    Sazzle74 Sazzle74 is offline
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    Default Re: draver v A&L

    Hi there, had one of these myself a few days ago. Had a read through some threads from last week and apparently this is a standard reply - usually unsigned! Mine was from S Murray - whoever the hell he/she is! Looking at advice given, this is the stage where you send your letter before actionicon... People were claiming before the OFT statement and this is just to add weight to the claim. The fact remains that these 'fees' are still unlawful so we can go ahead and get them back. Think they do this just to scare you off at the first hurdle Good luck with this - looks like we'll be on a similar schedule with them so let me know how you get on...
    Sazzle

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  8. 21st July 2006 15:37 #8
    draver draver is offline
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    Default Re: draver v A&L

    Thats what I thought my letter will be in the post tomorrow!

    draver

    Halifax Data Protection Act sent 17/05/06
    breach of DPA will send statements

    A&L Data Protection Act sent 17/05/06
    statements received 23/06/06
    request £477 + £91.99 10/07/06

    York' Bank DPA 17/05/06letter back 24/05/06
    breach of DPA court letter 10/07/06
    HSBC £2776.50 not started
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