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.

£19.99 + £1.50 (P&P)




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.

£9.99 + £1.50 (P&P)

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
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Thread: Fe_dup_1 vs A&L

  1. #1
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    Default Fe_dup_1 vs A&L

    Just starting on Alliance & Leicester.

    I have got all my statements and have calculated that they have taken £406.60 from me over the last 2 1/2 years

    Sending my preliminary tomorrow.

    Abbey 2 x Current (1 Closed)
    approx £2710.57 back to 2003 on joint
    S.A.R sent 26.08.06
    Data Protection Act Non compliance (both accounts) sent 16.10.06
    N1 for Non Compliance served 06.11.06
    Defence notification received 13.11.06
    AQ 02.01.07
    Request for Repayment sent 09.07.07
    Suspension due to test case 11.07.07
    LBA Sent 31.07.08
    Smile
    Repayment of £2179 received 28.11.06 :grin:
    Egg Card
    Repayment of £603.85

  2. #2
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    Default Re: Fe_dup_1 vs A&L

    Good luck, you will* win


    * I hope


  3. #3
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    Default Re: Fe_dup_1 vs A&L

    Eventually got round to sending my request for repayment on 23rd April.

    Got a letter back today basically saying that they feel that their fees are reasonable and competitive with those made by other financial organisations. They also said "that the OFT had commented that they consider that the level of late payment fees are unfair", but however A&L have decided that they were referring to late payment fees for credit cards payments, "which are quite distinct from a bank's fees on current account."

    They said that discussions were ongoing between the banks and the OFT regarding current accounts.

    They enclosed a copy of their complaints procedure leaflet.

    Oh well - on to the lbaicon

    And the final total charges was £491.19 inc debit interesticon.

    Abbey 2 x Current (1 Closed)
    approx £2710.57 back to 2003 on joint
    S.A.R sent 26.08.06
    Data Protection Act Non compliance (both accounts) sent 16.10.06
    N1 for Non Compliance served 06.11.06
    Defence notification received 13.11.06
    AQ 02.01.07
    Request for Repayment sent 09.07.07
    Suspension due to test case 11.07.07
    LBA Sent 31.07.08
    Smile
    Repayment of £2179 received 28.11.06 :grin:
    Egg Card
    Repayment of £603.85

  4. #4
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    Default Re: Fe_dup_1 vs A&L

    Haven't updatd this for quite a while .

    Sent a lbaicon 23rd May and received an offer of £22 (the claim amount now being £575 cos they have charged me further).

    Got banged with more charges so sent a rejection letter on 9 July with a revised claim amount of £600 (including debit interesticon).

    They have given me another £34 charge today . So when the claim goes in I will be adding that to it as well.

    Abbey 2 x Current (1 Closed)
    approx £2710.57 back to 2003 on joint
    S.A.R sent 26.08.06
    Data Protection Act Non compliance (both accounts) sent 16.10.06
    N1 for Non Compliance served 06.11.06
    Defence notification received 13.11.06
    AQ 02.01.07
    Request for Repayment sent 09.07.07
    Suspension due to test case 11.07.07
    LBA Sent 31.07.08
    Smile
    Repayment of £2179 received 28.11.06 :grin:
    Egg Card
    Repayment of £603.85

  5. #5
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    jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus's Avatar

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    Default Re: Fe_dup_1 vs A&L

    so if you did lbaicon on 23/5 are you starting court action now?

    What do you mean by debit interesticon?

    Jan

    Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
    [IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
    offer from A&L 24/8/07 - after case stayed

    "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery


    PROUD TO BE AN ORANGE

  6. #6
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    Default Re: Fe_dup_1 vs A&L

    The debit interesticon was the interest that they charged me for me being overdrawn. It only amounted to £1.75 over the 2 years .

    I will be putting in a court claim next week (when I get paid!!).

    I phoned Customer Services yesterday about the last charge because as far as I can see from my online statement there was enough in the account to pay the DD but they bounced it . The lady I spoke to agreed that maybe it shouldn't have been bounced but she didn't have the authority to undo it. I would hear from another Department within a few days about whether it had been reversed or not. So I thought oh well there's another one to add to the claim .

    Abbey 2 x Current (1 Closed)
    approx £2710.57 back to 2003 on joint
    S.A.R sent 26.08.06
    Data Protection Act Non compliance (both accounts) sent 16.10.06
    N1 for Non Compliance served 06.11.06
    Defence notification received 13.11.06
    AQ 02.01.07
    Request for Repayment sent 09.07.07
    Suspension due to test case 11.07.07
    LBA Sent 31.07.08
    Smile
    Repayment of £2179 received 28.11.06 :grin:
    Egg Card
    Repayment of £603.85

  7. #7
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    Default Re: Fe_dup_1 vs A&L

    Haven't posted on here for a while

    I never got round to putting the claim in to Court. My question is - do I have to start from the beginning again (request for replayment then lbaicon, etc) or should I just put in a claim to the Court.

    I am also assuming that I can still claim back from 2000, as that was on the original claim.

    Hope someone can help

    Abbey 2 x Current (1 Closed)
    approx £2710.57 back to 2003 on joint
    S.A.R sent 26.08.06
    Data Protection Act Non compliance (both accounts) sent 16.10.06
    N1 for Non Compliance served 06.11.06
    Defence notification received 13.11.06
    AQ 02.01.07
    Request for Repayment sent 09.07.07
    Suspension due to test case 11.07.07
    LBA Sent 31.07.08
    Smile
    Repayment of £2179 received 28.11.06 :grin:
    Egg Card
    Repayment of £603.85


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