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bluedolphin

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  1. Hi Helenm1984. Yes, you need to inform MCOL, so they stop any further action against A&L. Unfortunately, they don't allow you to do this over the phone, but there is a screen within your claim, which basically allows you to click, indicating the defendant has paid the o/s amount in full. Alternatively, if you ring HMCS, and inform them of the result, they will send you a form, which you need to sign and return, indicating that you have withdrawn your complaint against A&L.
  2. Thanks Serg. Sent a letter off to A&L expressing our disapproval of their actions, and informing them, I would also report the matter to the OFT (who I had already spoken to landline), and received a very unusual reply from the customer service dept of A&L a couple of weeks ago. Their letter was an offer of £1359, which if we accepted and signed, would be deposited into our account immediately upon receipt, despite us also receiving a cheque off them the month earlier. So, we accpeted their offer, and the money was deposited into our account. We are now operating all our finances with another bank, and only hold this account open, but deposit a small amount of money in each month. To us it seems, one dept within A&L isn't fully aware of what the other is doing, but nevertheless, they made their offer formally in writing, and we accepted. We have kept the offer, in the event they ever ask for it back, in which case, we'll go to court. I would encourage everyone to complain by writing to their banks, if they are informed the account will be closed, you never know, you might get lucky as we did? Bluedolphin
  3. After recently winning back charges from A&L, we received in this morning's post, a letter informing us, our account would be closed from 16 April 2007, and all services withdrawn. The letter suggested we make alterantive arrangements for our future banking. We have already started this, but Halifax won't provide us a cheque book & cheque guarantee card with the new account for some reason, and neither will they provide sufficient overdraft facility to pay all our monthly direct debits, purely on the basis that we don't have a cheque guarantee card, despite us agreeing to have our monthly salaries paid in each month? We have already drafted A&L, a letter of our disatisfaction, and advised them, the matter would be reported to the FOS for itheir nformation and further investigation. We had hoped to keep A&L account running until everything had been transferred over and we were satisifed with Halifax. Guess we'll have to keep badgering Halifax now to provide us with the cheque book & card we need on occasions. Bluedolphin
  4. Thanks to everyone for all the advice and encouragement. Wife was nearly in tears when she opened the letter and saw the cheque. Have already opened another account with another bank, as I suspect A&L will want to close our account, as their letter stated, it's clear we don't accept the terms & conditions for the operation of the account, and they would be contacting us very shortly to discuss its future operation? If they close the account, we'll consider reporting A&L to the FOS. Ian & Liz
  5. Hi. Issued our money claim online on 26th February 2007, and this morning, received a cheque from A&L for the full outstanding sum owed of £1666.99. A great success, and I would urge anyone else to do the same. Ian & Liz
  6. Hi Emma. You need to provide A&L with the £10 data potection fee, and they'll send you the past 6 yrs of statements. They can't refuse to provide them. The template letters etc, are all on this site, for you to refer to and use. No point re-inventing the wheel? Ian
  7. Hi Clanger. Don't even consider going Bankrupt, it'll be worse than you can even imagine at some point in the future. Face-up to the IVA and any additional money you get as a windfall, give to the Supervisor, so they can pay your debtors. I managed to pay my IVA off after 3 yrs. ended paying an extra 5k over the agreed amount, but I don't have any probs getting credit now. If you went bankrupt, it'll be with you a long time! Ian
  8. Thanks for the information Bankfodder. I have just started my MCOL against A&L for charges of £1545.00. HMCS have today issued the them with the necessary documents for court, so will wait and see what the outcome is. I sincerely hope that it will be in my favour. Will update the forum when I get a result..whatever the outcome, and if A&L decide to close my account, then I'll approach the FOS. Ian
  9. Hi Clanger. As I understand the way IVA's work, having been through one, any money you receive, must be distributed equally to all creditors, therefore, A&L couldn't take back in full what is owed, but only a proportion of the debt, otherwise, they'll not be abiding by the terms of the IVA, which is supervised by your supervisor. Inform your supervisor and let them do the donkey work, afterall, that's what these supervisor's are being paid to do! Incidentally, did A&L close your account with them? We have an overdraft with A&L of £1500, which we want to pay off, but they won't give us a loan, despite the fact we owe very little and earn good money! On another note, on your credit record, will be a record of the IVA, which will stand for 6 yrs from the time it was accepted, so be prepared for knock backs.. we are still having them, despite finishing the IVA in 2004 (2 yrs early of the 5 yr agreement). Best of luck for the future. Bluedolphin
  10. Thanks Caro. I suspected A&L would try and pull the wool over my eyes in the hope that I give up, but it's worth persuing for the refund, despite the fact they'll close my account. Guess I'll just open another with someone else or even with them again before proceedings commence! Bluedolphin
  11. Hi Clanger. You will definitely need to inform the supervisor of your IVA, if you win the charges back, as they will want to take this into account to refund any creditors. Bluedolphin
  12. Hi Pretzle06. I've recently made a claim against A&L for a refund of bank charges of £1181.24 (not credit card charges), and have this morning received a similar reply to yours, informing me that they consider these charges to be fair and appropriate. Have you started the legal proceedings yet? Has anyone else had a similar reply to me & Pretzle from A&L? Bluedolphin
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