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berwicl

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About berwicl

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  1. No they couldn't provide any info, so i checked my credit record and i didn't have any anyway!
  2. Another Cheque landed on the mat. This concludes the money side of the claim. TOTAL RECEIVED £3792.61 !! We're holding out for confirmation of any default notices have been removed. Once we've got it, then that will be the end if it all:D Anybody got any advice on what is classed as firm confirmation of default notice removal? See Letter sent: Dear Jackie McGuirk With reference to your letter dated 21st December, I accept that the monies you enclosed (£296.43) together with the charge refunds on my account, conclude the issue of outstanding funds. I have sent cheques today to reduce my account balance to £0. However, regardless of the moneys you forwarded in your last letter I have yet to receive any confirmation that any default notices served, have been removed from my credit record. I look forward to receiving this information and therefore bringing this matter to a close. Yours faithfully, Mr T B French
  3. They said they would defend, but that was before the cheque was sent. I've had no further information to say otherwise. I wrote 2 letters: Alliance and Leicester PLC Group Legal Services Customer Service Centre Narborough Leicester LE19 0AL 21/11/06 RE: LAW/3504/JAM/ljo/Lit.SCF Dear Jackie McGuirk Thank you for your letter dated 9th November. However the amount being claimed for was £3516.73, not £3292.86 as you have stated. This was calculated using the information provided by your company earlier in the year and includes the £120 Court Fee incurred to me as a result of having to pursue the matter to this stage. Since my initial claim you company has continued to forward me charges totalling £100. I enclose a schedule of charges for you information. To bring this matter to a close I therefore require additional funds totalling £296.43p. I also require confirmation that any default notices served, have been removed from my credit record. Once these issues are resolved I will withdraw my claim against your Company immediately. Yours faithfully, Mr T B French I had a letter of acknowledgement, and they said they would respond shortly. So today I wrote another letter, as I had received a standard letter saying the balance of my account was to be paid, and they have stopped my account in mind to shutting it after the balance is settled. Here's the letter: Alliance and Leicester PLC Group Legal Services Customer Service Centre Narborough Leicester LE19 0AL 06/12/06 RE: LAW/3504/JAM/ljo/Lit.SCF Dear Jackie McGuirk Further to your letter dated 24th November, I have still not had a response from your offices at Bootle. (Attached for 2nd and 3rd party reference) I have however today received a letter from offices at Bootle, demanding settlement of the account in full (£1054.12). I have sent a cheque today for £631.40 to my account. This leaves a remaining balance of £422.72, which represents the amount I am still demanding receipt of, with regard to County Court Claim No6QZ74704. You may notice that this amount has increased since my last letter. This is due to 2 reasons. Firstly, the amount has been calculated with interest from today’s date (and will continue to be recalculated fortnightly until claim is settled). Secondly, despite the amount I have been overdrawn, is as a direct result of the unfair and illegal charges that have been applied to my account, Alliance and Leicester have continued to apply charges to my account. Additionally some of these charges are for a failed standing order, which I have cancelled 3 times! I am proposing that now that I have paid a correcting amount into my account, the account is closed with the balance “written off”. This will then bring this matter to a close. I would like to take this opportunity to remind Alliance and Leicester that I am entitled to claim back, in addition to the amounts stated, the interest that I have been charged on my overdrawn balance, since this is as a result of the unfair charges. To this day I have not done this. If this matter is not settled in 2 weeks from today’s date, I will be adding these additional amounts to the original claim amount, of which I expect to run into hundreds of pounds. As I have already said in a number of letters, the charges applied to my account in relation to direct debit refusals, exceeding overdraft limits and so forth, are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which Alliance and Leicester agreed to at the time that I opened my account. It is an implied term of that contract, that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that my account has been operated in this way, as I had always reposed confidence in my banks integrity and expertise as my fiduciary. I would remind you that in addition to the above settlement conditions, I also require confirmation that any default notices served, have been removed from my credit record. Again, once these issues are resolved I will withdraw my claim against your Company immediately. Yours faithfully, Mr T B French Copys to: Mr D Weatherhall at Bootle Northhampton County Court Hopefully this does the trick. Does anyone have an opinion? I just want this to be over now!
  4. About 2 weeks. With no warning it just landed on the mat! However, due to the outstanding balance in the account the A&L has put another £100 of charges on despite my correspondence with them. This means that the amount i'm claiming for will now be different to the amount I originally stated on my court claim. Does anyone have any advice? Should I just write the bank a letter, or do I need to file a separate claim with the court?
  5. Followed all the sites advice so far(Ithink?! ) Cheque landed on the mat for £3292.86! But holding out for additional £296.43, which includes my court fee(they didn't appear to want to pay that!) as well as more recent charges since I started the claim.
  6. Hey, This is my first post, so be gentle!:o My partner and I are with the A&L. We have also just recieved what would appear to be exactly the same letter on the 10th of August from an L Murphy. We are also wondering what to letter to send next, as none of the letters we can find on this site, seem to cover a response to them saying that the OFT was talking only about credit Card charges. Quote: "The Office of Fair Trading (OFT) has commented that they consider the level of late payment charges to be unfair, however they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts." Why would they say that? Is it just a ploy to get us to question our rights? If there is a suitable letter within this site, can someone paste in the link? HELP! Thank You Kindly
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