A&L **double success** Advice Needed

**thecolourofmoney** · 6th April 2007 15:25

Hi,

I recently regained my charges back from A&L after submitting a MCOL.

I received a letter and my cheque of £269.85 and have banked this in my new parachute account last week.

I received a further ltr yesterday stating A&L were to close my account next month, no surprise there. However, in a second seperate letter envelope was another letter enclosing another cheque for £269.85......hurray I say.

Question is do I do the honest thing and return it or stick two fingers up to them, bank it and act dumb and say nothing, until they realise.

Even then they wont get it back as I can be as childish as them for closing my account (which I dont need anyway).

Let the answers flow........mods, CAG will receive two donations if the majority say keep it !!

Kind regards

**zootscoot** · 7th April 2007 00:13

Hi Colour,

If you keep it you will be committing a criminal offence. Do the decent thing and return it.

But do report A&L to the fos icon

for closing the account. They are awarding compensation for this

**thecolourofmoney** · 7th April 2007 11:14

Hi Zoo,

I suppose you are correct. Must be something in the air this year as my insurance company returned a £700 cheque to me when I chose not to renew my car insurance icon

....I hadn't paid them anything either.

And yes, I returned that one also !!

Thanks

**ripata** · 7th April 2007 17:48

Hi there,keep it i say,i would!their problem not yours!

**lesh45** · 8th April 2007 01:04

i would be honest and pay the money back. it is wrong to keep what isnt yours. and i know A&L were wrong to close your account. and wrong in taking the charges off you in the frist place .. but is it wroth stooping to their level and doing the same.. ( i dont think so ) so be one better than them and pay it back.

**thesergeant** · 8th April 2007 23:29

If you keep it, it is YOUR problem.

It would constitute a criminal offence, Theft Act 1968.

Return it advising them of their error.

Re closing your account, you need to complain to All & pester 1st, until you get a letter advising you that it is there "final decision" to close your account. You then complain to the fos icon

.

Good luck and well done ......

**ripata** · 11th April 2007 19:10

Blimey,calm down!!!! my advice is still the same,there problem!

**thesergeant** · 11th April 2007 22:46

Ripata there are plenty of people with criminal convictions who have followed that belief.

There is plenty of case law and applicable criminal law. You can not do what you suggest and avoid answering to a criminal court whether Magistrates or Crown !

**ripata** · 12th April 2007 18:17

well thats my opinion,and im sticking to it!

**ockers2011** · 13th April 2007 21:19

Stick It In A High Interst Account For 28 Days, Even If You Make A Few Pence interest icon

Its Better In Your Pocket Than Theirs!! I Dislike The Alliance And Their Pathetic Internal Structure So Make As Much As You Can Before You Return It!!!!!!!!!!!

Cant Help But Grin At How Stupid They Are

**blueskies** · 16th April 2007 15:32

I would not advocate that as it would be unlawful and possibly illegal. CAG icon

prides itself on holding the moral high ground over the banks and will not advocate using illegal or immoral practices in relation to our dealings with the banks.

You should advise the bank that you have a duplicate cheque and ask they send a SAE for you to return it in. (this way you won't pay the postage)

**thecolourofmoney** · 16th April 2007 15:42

I had placed it in my account but after further legal guidance today I have contacted A&L and advised them of their error.

As I do not have a cheque book I have advised them I will be sending a bankers draft.

The incompetance of the bank has been highlighted even more by this issue.

Thanks and good luck with all your claims.

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