Jump to content
crugga

Crugga vs Alliance & Leicester WON!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3577 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

This was PPI btw and not bank charges, thought i'd add this to save confusion as its been moved to here.

 

Not in court but still won.

Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed

They Replied saying you knew what was included, was explained etc.

Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.

Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.

No admission of liability just on a goodwill basis.

 

Thanks to this site and the other which i'll thank in a mo. This will make such a difference. Contribution on the way next month. :D:D:D

Share this post


Link to post
Share on other sites
Not in court but still won.

Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed

They Replied saying you knew what was included, was explained etc.

Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.

Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.

No admission of liability just on a goodwill basis.

 

Thanks to this site and the other which i'll thank in a mo. This will make such a difference. Contribution on the way next month. :D:D:D

 

Excellent new Crugga, well done, it does pay off to pursue them:-D :-D :-D


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Share this post


Link to post
Share on other sites

Congratulations Crugga, your news is great encouragement to many of us who are having nightmares thanks to Alliance & Leicester.

Share this post


Link to post
Share on other sites

Congratualtions Crugga, your story is an inspiraton to many of us who are having nightmares thanks to Alliance & Leicester!!:grin:

Share this post


Link to post
Share on other sites

Cheers, I can honestly say it was a great feeling, wasnt the money just getting 1 back on a bank. In all fairness A & L acted very proffesionally with the complaint and stuck to timescales, treated me fairly and added the refund to the balance within a week with no chasing up.

  • Haha 1

Share this post


Link to post
Share on other sites

Glad you won.

 

My wife and I sued Alliance and Liecester not because of the unfairness of bank charges but because they introduced a rediculous £5 charging per day. We issued claims back for these charges total via our local county court ( MCOL stays all applications), Acknowledgement of Service received by no defence issued so won by default. They paid up after two weeks after I warned them that we may send in bailiffs. Total £370 recovered. Next for Barclays, Lloyds etc.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

    • well you need to get the warrant suspended best idea might be to get an N245 running to the court and also request the warrant be suspended for now a lot quicker than set aside the CCJ, that's poss for later thread moved to the main bailiff forum.   have a read of these threads explains everything https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=southern water CCJ warrant Bailiff&oq=southern water CCJ warrant Bailiff&gs_l=partner-generic.12...222377.222377.0.223565.1.1.0.0.0.0.151.151.0j1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.pceIapA3BaY
    • i wouldn't let them in, as they was waiting on my front door when i got back from the park with my son, i got my phone out to record everything, they were being really nasty, even though they never knew where i lived untill i phone them up and told them i was sorting this out, horrid experience 
    • sounds like the usual SW tactics to me they've sent in the HCEO's as the debt is above £600   becareful they are BAILIFFS NOT A DCA so have legal powers!! but they cannot force entry on a consumer debt.
    • well from what the lady on the phone, customer service,  told me it was because they knew i had my bank statements sent to my exs address, since we broke up i have been staying at friends place untill i found a flat to rent in margate , but the place had a communal post box so for safety i got my letters sent there,   thats  until i met my new partner and we moved in to together, other than that i don't really know, i can't actually pay the bill a single there isnt one anymore, or i would just to get them off my back,   the actual bill is 890 the rest is something else, fees i would guess.   il get a letter in the post asap with regard to the SAR, good idea, this is all since 2014/2015 
  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
×
×
  • Create New...