Thread: thio v alliance and leicester

hi nervous newbie here, have sent sars to A and L dated 9th march 07 nothing heard so far did not realise weekends included in the 40 days until informed by Bigmac on this site, but are bank holidays also included guess i better start preparing a letter of compliance watch this space

It's 40 calendar days, thio, regardless of bank hols!

ok thanx for that their 4odays expires on wednesday have not heard a sausage but it seems from other threads A and L take it to the wire before any response but i can play the waiting game compliance letter ready and waiting to go

hi all posted preliminary letter today with schedule of charges by recorded delivery of course, let battle commence

received reply today to my preliminary letter it would appear that helliance and leechers consider their charges applied correctly blah blah blah will give it the 14 days then hit em with an lba. Was very helpful to read some of the threads on calculating daily interest rates particularly lucid, very clear instructions i would have struggled with this next step otherwise

hi all a quick update of where i,m upto. posted the lba to alliance and leicester today along with a schedule of charges requesting they return my £1,681.50 or face court , sent by recorded delivery of course so they have until 25th may to respond, of course i have my n1 ready and waiting to go its getting to the interesting bit now

received letter today from john gibbons, customer services thanking me for taking the time to contact them and highlight my concerns they are looking into the issue i raised and will let me have response soon as possible.A and L commited to resolving complaints as fairly as poss and enclosed leaflet explains actions they will take.if i need to discuss please contact them. Of course i will.
Also after recent events i sent a request by recorded delivery for a copy of the original terms and conditions in force when my account was in operation, lets see what transpires, they have until 25 May to respond positively to my lba

hi all quick update of where am up to ,well today went to the county court and handed over £120 and filed N1x3 and schedule with interestx3 nice lady told me it should be served by about wednesday

received notice of issue today...claim was issued 25th may the court sent it to a and l by 1st class post on 4th june and will be deemed served 6th june a and l have until 20th june to reply

Hi Thio, you make it sound like you have hit Ali in his leicesters before. i'm going thru all this my self with same letters being received from them, just a question what is an n1 and how do i get it or do i wait to be told to get one. cheers

hi all got 2 letters today from a AND l..1st letter about their review of the matter taking longer than expected as they need to obtain all relevant info to address my complaint they will be sending detailed reply shortly that came from laura cooke customer service centre, bootle. The 2nd letter from alison riley customer services manager bootle about how OFT suggests there may be similarities between the default charges on credit cards and similar charges applied to current accounts...they believe all charges applied according to terms and conditions of my account they have offered £495.50 as Full and final settlement, my claim is for £1681.50 plus over £300 in interest plus costs so i think its time to send off letter of refusal, they believe this amount offered is the difference between the amount of charges and the amount of charges that would have been applied if the charge had been £12 which is the amount OFT indicate as reasonable in relation to credit card default charges. What does credit cards have to do with it i,m claiming bank charges SEND ME THE MONEY ALREADY

Hi

I've got this far with the A&L and they owe me almost 5K inc the interest and they offered me £1714 but when i took twelve pund off every charge it still came to more- so I sent of a letter and spreadsheet highlighting this and asking where they got htere figures from and I got a letter back saying they couldn't help me any furhter and a leaflet telling me about the Fianncial Ombudsmen- who was my next step as I live in Scotland and our small claims level is a lot lower than the English courts.
I'm now waiting to hear from the fos.
Anyone out there had any experience of them and how quick they are or are they totally snowed under with all us claiming our charges back?

when do we start counting daily interest ? is it from date of issue or date deemed served

Hi thio

no I'm going for the full amount but I just couldn't understand why they were offering me £1714. So i double checked their figures and they were way off, even though A&L said that was the amount I could get back minus £12 per charge.
So not only did they swindle lots of money off me when i was poor they were still trying to swindle me out of a proper settlement. I am well and truly going for the full amount

did anyone see in the metro paper today that banks are offering to settle claims if claimants waive the right to claim future charges

got letter today signed by alison riley again and written without prejudice to any contention that the a and l may have for saying you do not have a reasonable cause of action against us or that you do not have a reasonable prospect of succeeding in any claim you may bring. along with a cheque for £615.50 which included the court fee my claim is for £1681.50 of course i tore it in half and returned it along with a nice letter of refusal. There was also the threat of closing certain customers accounts who have complained but if i accept the offer of settlement they will continue to operate the account if i accept the t and c,s of the account previously notified to me, well they can go ahead and close the account cos its been closed since 2004