Action against bank closure

**benmills** · 30th May 2006 19:25

Many of us have had the standard account closure letter from the A&L - saying as we could not accept their t&C's the account will be withdrawn - Having looked into the link here http://www.consumeractiongroup.co.uk...ead.php?t=8541 I am considering an injunction against the account closure as it might create a legal precedence or force the OFT’s hand. I have written to the OFT about the A&L’s reasons for closing the account. I am also concerned about my credit ratings. I am looking into the court forms needed to start it rolling. Any help along the way would be great.

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**benmills** · 31st May 2006 10:03

The court are sending me a claim form but stress this is a complicated process and I will need legal advice to get the right formula, i'm hoping it is not as difficult as all that
but will have a go anyhow

**Don Quioxte** · 31st May 2006 10:30

How has your account conduct been over, say the last 12 months? How is it now - are you within your T&Cs i.e overdrafts, making payments etc?

Have you written in response to AL's letter protesting against the closure and requesting further explanation?

what is the status of your claim against AL. Did you win? what was the amount? was it contested? Is it still in the pipeline?

You need to post some more info here for us to be able to help and advise more accuratelyas the outcome of this sort of litigation will to some extent depend upon your personal circumstances.. If you post some more I am sure I and others will be able to comment in more depth - and certainly expect some contribution icon

from BF and more knowledgable bods on the legalities involve. Obviously we will need some time to consider wording for the N1 particulars of claim, and to consider possible defences that AL may offer.

**benmills** · 1st June 2006 11:01

Work is taking me away so I can't do much but the Daily Mail came round this morning to do a feature on Alliance and Leicester sacking charge claimants - so that might do more for the cause than litigation at this stage – I had to look forlorn and indignant with a fist full of statements, so see what happens.

**Maxie** · 1st June 2006 14:06

There is a good case to be made that you are having your account terminated as you are enfocing your legal rights and the bank are breeching the contract be not allowing to keep an account when you refuse to pay there unlawful charges.

The best way forward would be a complaint to the banking Ombudsman icon

who can award compensation. I'd be happy to help with this.

**Phil3822** · 1st June 2006 14:25

Great to see you moving forward with this, many others could and should follow your lead. In regards to your credit rating, it should have no adverse affect. The general format of an account just comes up as "settled", however the account was closed. Trust me, I know :-|

**caro** · 1st June 2006 16:34

Having opened and closed my account within 7 months due to the atrocious regime at A&L, I personally would not class it as a great loss to have my account closed!

Obviously I realise it is the principle of the matter, so if you can exact some revenge on them, then good luck to you. Perhaps they might think twice about treating their customers so badly in the future.

**sparol** · 5th June 2006 13:49

I would also like to challenge the closure of my account but don't know where to start so I shall be watching with interest icon

. The deadline for mine is 4th July.

**Keithowedalot** · 7th June 2006 13:50

Originally Posted by benmills

Work is taking me away so I can't do much but the Daily Mail came round this morning to do a feature on Alliance and Leicester sacking charge claimants - so that might do more for the cause than litigation at this stage – I had to look forlorn and indignant with a fist full of statements, so see what happens.

That is printed in the Mail today

**Cruthin** · 7th June 2006 14:15

http://www.thisismoney.co.uk/saving-...page_id=7&ct=5

Link to the Daily Mail article. Good luck in your fight.

John.

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