I have an OD with Santander of which nearly half is made up of various charges. I complained and eventually got a final response. Over the next few months I sort of ignored it all and Moorcroft started calling/writing to me. I then put in a complaint to the Fos (within the 6 months, they have replied, I disagreed and sent back my points) Meanwhile Moorcroft asked for the Fos reference number so I gave it to them along with a summary of my complaint. I have now had two letters from Santander , first saying they need more time, the second saying they can not resolve it within the 8 weeks and I can go to the Fos. There is a different reference number on these letters to any I have seen before from santander/moorcroft/Fos. They are also using a variation of my name that they have not used before but is on another account that moorcroft have. Should I just ignore them and let the fos do their stuff or tell them they are thick and it is already with the fos Any thought I am minded to leave well alone

Hello, I recently recieved my A & L cca request, its looks enforceable to me, Boo! However, I have a question regarding the ' cooling off period ' of 14 days that is not mentioned in the agreement or T&C's. I cant see it! Is there any possibility that it could be unenforceable because of this ommission? What are your thoughts, Thank You ps agreement to follow

Hi I requested a CCA from A & L on 190309. I have had plenty of phone calls and one letter requesting payment but no mention of my request. today I received this TC Alliance and L pictures by cupcake62 - Photobucket Should I be sending them this? ACCOUNT IN DISPUTE Date: Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I am in receipt of your letter dated XXXXX This account is in dispute with **original creditor/DCA** and has been since DATE . Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My previous dispute from **DATE** has NOT been answered. As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreementrequest and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities. If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully or this? ACCOUNT IN DISPUTE Your Reference: Client reference: Dear Sir or Madam, I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***DCA*** and has been since ***Date*** Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 As ***DCA*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to ***DCA*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities. If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. Yours faithfully Or is there something else I should send them? I'm not too sure is RMA part of A & L ? Or are they an independent DCA? Thanks for everyones advice. Esile:confused:

Hi, hoping someone can help me here because I’m rapidly beginning to loose the plot!!I purchased a house with my ex just over 2 years ago, at the time we only earned around 30k between us, however they accepted no problems at all. I sold a previous property to lay down a 25% deposit and pay the fees etc. We split up after only around 6 months in the house, the ex agreed it was my house and as soon as possible I would do a transfer of equity and release her off the mortgage so we could both get on our separate ways. A further 6 months or so down the line I got a huge pay rise & currently earn double our combined income at time of accepting the mortgage. Should be simple enough to arrange a transfer of equity you'd think. Applied to Alliance & Leicester to go solo, sent off pay slips etc & waited about a month to be declined on affordability!! Now I had some credit cards and a car loan so I thought maybe if I clear all that and try again ive got to be accepted!! Sold the car, bought a cheap one cash, happily cleared the loan (15k) which was with Santander that took A&L over (that made me feel good, i'll never do business with them again and urge anyone to steer clear!!) cleared every card I had and cancelled the accounts. I was now in a position where I had no debt & my mortgage only 16% my net pay. Applied again, waited.........declined AGAIN only stating affordability.I phoned up to ask some questions, to be informed by a very sympathetic and embarrassed sounding customer service advisor who told me that he was really sorry and sympathysed with me but he couldn’t discuss with me why I cant afford this mortgage and that it was calculated by the under writer dept who is a non telephone dept!!!!!!!!! I asked if they could then at least give me an indication of what they deemed affordable as I have some savings I can bump into the mortgage to shrink the loan but they couldn’t tell me that either.I’ve applied once more since then and again been refused, they state they will allow me to do a transfer of title keeping my ex on the mortgage however she quite rightly refuses to comply with this. I’m at my wits end here, this is causing me stress and sleepless nights. I’m now in a new relationship, got a baby on the way & will be wanting to move house in the next 12 months. Does anyone have any help or advice they can give me short of arriving at A&L HQ & windmilling their staff??

I took out a large A&L loan in 2007 to consolidate etc etc etc - you know the story. The application was made via telephone and they sent the forms via post for me to sign, which I did. I have recently CCA'd Santander who took over A&L. and thry have duly sent me a copy of the orginal agreement. The agreement includes amounts for PPI which I had crossed through those and specifically stated on the back of the agreement that i did not wish to purchase PPI. I will scan the Agreement and post it tomorrow for your thoughts. It looks ok to me. My beef with them is that I hit financial probs in 2008 and offered reduced payments which they accepted for a while. I wasthen advised that as i could not afford to pay my arrears they swould be looking for a CCJ to apply a charging order on my property and it was only a formality and not to worry, to keep making reduced payments. I was so naive at tthe time and just went along with it. I had just had a baby and had no idea how to deal with things like this. It was utter madness as our house was (and still is) in negative equity so the order is worth zilch to them. I am continually pursued by Shoosmiths who state they are delaying with the debt. Im just wondering where I stand on this - I know it's a bit of a imppossible question to answer at the moment but I thought it important to get a thread started in the hope that someone has been through a similar thing with A&L or another bank. I will send an SAR to Santander to see if there are any flaws in their processes. I just wonder if its all too late beings as the CCJ has already been awarded. Madge

I'm trying to find out if I was missold PPI on a mortgage agreement which eneded last year. I used a template letter from moneysaverexpert to ask for the T&Cs of my mortgage agreement. A&L replied that: 'none of the mortgage accounts were regulated by the Consumer Credit Act 1974' Does that sound possible? If so how can I get a copy of my T&Cs?

I'm confused by this matter but wonder if I may be able to make a claim. My mortgage was in several parts, endowment, interest only and repayment. On the interest only/endowment parts I was quite happy to take out insurance; I deemed it essential, anyway. On the Repayment parts, however, I was not keen to take out insurance as I was well protected by work pensions and lump sum entitlements. I was given the impression that this insurance was an integral and essential part of my receiving the loan(s). The insurance policy was taken out with Legal & General and arranged by the Alliance (at that time). The repayment parts of my mortgage has been repaid and the insurance policy cancelled but I still have all the documentation and wonder if I could make a claim. Can you advise me on this matter? Thank you in anticipation. Caffey

Hello I am just getting rid of a Debt reduction company who have been working for me (not very hard) for the last 2 years. I am about to cancel my account with them (a CAGGER is helping me with the letter :O)) and sending them an SAR asking for all the info they have on my accounts. This means I have 2 jobs on my hands, getting rid of this company then starting to deal with my creditors. I have already writen to all my creditors to stop them dealing with the company but now I don't know what to do first. I have been advised to start a new thread on each of the companies, so I hope this is correct. I am getting very confused (easily done) and overwhelmed by the amount of things to read and how to work out this website but in brief: The Debt reduction company do not have a copy of the original signed aggreement from A&L (it has taken them 2 years to let me know this) only an unsigned copy of the agreement. The amount now outstanding is £18.111The original balance when I started with the debt company was £18,000. When I looked on my credit report on Experian though it said the amount was £14, 851???? The DMC told me they were looking at unfair charges and that that was the latest state of play. What should I do now, could anyone advise? Should I send an SAR to Santander ? Can they hassle me whilst I am waiting for this. The DMC should have this info (as I have paid for it I assume) so should I wait until they send me the stuff (which may be ages) Thanks in advance CAGGERS Nancy

Hello My story so far: I have claimed twice against HSBC and both times won without getting a court date. I claimed against A&L for my Nan and she received a prelim court date but suprise suprise on the day of the hearing, she received a call from the solicitors (Wragge & Co) offering full settlement which she obviously accepted. I then claimed against Halifax for my friend and again won without going to court... I am currently claiming against A&L for another friend (Sue - hence thread name!) and she has just received an allocation questionnaire to submit, which I am going to complete over the weekend.. I just really wanted to put something on the consumer action group website as its been v.helpful in the past and I wanted to check that we should definately continue with the claim... After reading all the other threads, I think its definately worth a go! Anyway... thats my story (oh.. I am also claiming against Barclays for a friends bro and about to do court forms for that!) C x

Hello to you all, I wonder if anyone can help. Some time ago, I went after A & L for unfair bank charges. They were bouncing £1 standing orders and charging me a fortune. It ended up about £350 + on charges. The case was stayed until the Office of Fair Trading V Abbey case was settled. I have now received a General Form of Judgement of Order. It states that the matter is listed for directions when the court will consider striking out the claim following of the decision of the Supreme Court test case (office of fair trading v Abbey National) and if the claimant (me) objects to the claim being struck out, written notice is required. I only got the letter this week and if I need to respond, it must be by Tuesday next week. Can anyone enlighten me on what I should now do? Grateful thanks to any help advice offered. I am bricking this as I am only on working tax credits at the moment and this sounds quite serious.

Have a old A&L current account (now Santander) Its got a £200 over draft on it. The fee's used to be 50p a day capped at max 10 days, so ie £5.00 a month. Have have not used it for a while but did last month, they are still charging me 50p a day, but there seems to be no cap on it now as the charges are £9.50 this month. When did this charging cap change or is it their cock up? I have tried ringing them, but waste of time, nobody ever answers.

It has recently been bought to my attention (by my wife) that 9 payments made from my personal A&L account to my personal Lloyds account have not been transfered. The money has left my A&L account but not shown up in my Lloyds account. The total amount that has been "lost" is £2900. Can't beleive we didn't notice this before as we are on the breadline like most. I have been querying this with A&L today and have been told that I will have to wait at least 5 days for a trace on the transfers. I called the complaints number this evening to say that 5 days is not acceptable in finding my money as they certainly don't give me 5 days to bring my account in to credit to avoid charges. Has anyone else had anything like this happen? Once they have "found" my money do I go for compensation? If so how do I go about it?