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    • 7 weeks now. What happens if they don''t get back to me within the 8 weeks? They have to provide me a final response in that time frame right? 
    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
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A&l rip off ***WON***


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I have my bank statements dating back to 2001:) and decided to add up the charges which to my astonishment came to £1701 am now angry:mad: but do i just send a letter demanding my money back and are a&L good at paying up.

blueeyes

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You really need to read the FAQ's, here

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Also use the templates in the library here,

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

And follow the step by step instructions. They can be found here.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

 

All the banks will pay up, it's either that or expose the charges for what they really are - and none of them want to do that.

 

Follow the methods on this website and you can recover your charges.

 

Ask anything if you are unsure.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Thanks for advice will hopefully be starting on the road to recovery.

 

Don't want to sound thick but is the schedual the actual dates each time the bank has charged you or for what its charged you eg. dd on such a date paid item charge ect. thanks

blueeyes

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Yup. There is a spreadsheet in the bank templates library that can help you do a schedule of charges. Keep reading the FAQ's.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks caro sorry i havnt replied but still trying to get use to things. one more thing as im itching to get started. on my early statements the od charge was for £10 am i claiming for these or just for when they started being for £25 sorry i just want to get things right.

blueeyes

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Thanks caro sorry i havnt replied but still trying to get use to things. one more thing as im itching to get started. on my early statements the od charge was for £10 am i claiming for these or just for when they started being for £25 sorry i just want to get things right.

 

I think you can claim for whatever the charges were when you want to start claiming. My mum and dad are claiming back 6 years from the B of S, and at the start it was only (ha) £15 for going overdrawn.

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

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I think you can claim for whatever the charges were when you want to start claiming. My mum and dad are claiming back 6 years from the B of S, and at the start it was only (ha) £15 for going overdrawn.

Absolutely right.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well iv done more reading in the last 10 days than i can remember and just when i think iv got it, i come across another thread and it sends me back to the start.

I have one spreadsheet but on the monthly overdraft charge do i put the date it actually gets took out the bank or the dates its for. I know on the interest it says use the second of the two dates, is it the same.

Also when you get a refund do you minus it so the totals right, and am i right in thinking if youve got 2 charges for the same day you just add them together. think i might just leave the interest.

 

thankyou all for your time and understanding.

blueeyes

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The date to use for the interest is the date it is taken from your account. Put all refunds and the dates they were given as well to keep it accurate. If you haven't sent your letter and spreadsheet I hope this helps.

 

Advice does change from time to time as we learn more about what can safely be claimed, but hopefully the time taken reading and learning will pay off in the end.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hiya blueyes

 

You DO NOT claim interest until you come to do your Moneyclaim.

In your letters to the bank, you are claiming for charges only so do not worry, you are doing the right thing xx

You are correct Villaburd24 that you do not claim the 8% sections 69 interest until the moneyclaim stage, but you can claim the interest that you have paid on charges if they have caused you to be overdrawn. Alternatively, some people are now claiming interest at the rate that they would have been charged interest by the bank (reciprocal). See thread below plus many others on the subject.

http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html?highlight=reciprocal

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Blue eyes don't worry about the standard letter guff that they send out. A & L are the easiest in my experience. See my thread claiming my brother's charges in the A & L forum. Just follow the steps in the FAQ and you will definitely get your money. A & L have a publicly stated policy to repay all claims. They will also close your account after they pay you so make sure you have made alternative arrangements.

 

It will go like this:

 

Prem letter -

we are investigating -

LBA -

Sod off -

Issue claim -

Acknowledgement of service filed -

they will pay in full -

they will at the same time say "as you don't agree to the T&Cs of your account we will be contactring you to discuss its future operation" -

they will then write to you giving notice to close the account.

 

Go get them :)

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Thanks Rbrears I was a bit nervous :| but after they stopped me getting my wages for 24 hrs :mad: i now can't wait for them to get their just desserts.:D I have now changed banks so it won't happen again.

blueeyes

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as regards A&L closing accounts, id like to see if they try that after you tell them in 'your Letter Before Action that any attempt to defame or disadvantage you as a result of you exercising your legal rights will result in further legal action.' as per Mr.Angrys advice in my post here. http://www.consumeractiongroup.co.uk/forum/alliance-leicester/20188-bettynomates-alliance-leicester.html#post198434

 

the fact is im not even started on the road as yet so it will be a while until im even at the LBA stage, but it would seem right that thay are indeed placing themselves in a serious position if your willing to go the whole way with this?.

 

might someone have a link to these A&L statments of closer and other related text ?.

 

if you do place Mr.A's or something amounting to it in your LBA anytime soon and get a result from it, id be most greatful to know the outcome of it please, any thoughts to make everyones cases stronger also welcome.

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I can't see how they can be stopped from closing the account. The terms and conditions of all current acounts that I have read are clear in that the account can be closed by either party at any time for any or no reason.

 

I don't think the disadvantage/defamation/discrimination issues are a runner at all, to be honest.

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i think this has relevance to the end users

 

interestingly i was reading another thread and the topic of the banking code was mentioned, so i went looking and found this pdf bulitin from july 28th 2006

http://www.bankingcode.org.uk/bulletins/Bulletin%2021%2027%20Jul%2006%20PDF%20FINAL.pdf

 

people should have a read, i tryed to find an easy way to snap it out and past it in full here but couldnt.

 

perhaps someone could hand type it up on add below?.

 

now while this banking code isnt a legal thing, id assume that A&L and indeed most if not all the main banks have signed up to this code and so are duty bound to uphold this code?.

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They should not take retaliatory action. See link to BankFodders thread on this if you are interested, but personally I couldn't close my account fast enough. http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html?highlight=retaliatory

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes and yes.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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