Boxerdog1999 v A&L - Standard Response?

[boxerdog1999]

Hi, I wrote to A&L on the 26th July and received what I think is a standard letter on the 29th! This is the most efficient they've been since I opened my account!! Presume this is the usual response and will see what happens next. Watch this space!

[leebrannan]

Hi Boxerdog, welcome to the forum.

What did you write to A&L? Do you know how much they owe you?

 

If its the prelimanary request you've sent,then the letter you received will more than likely be the standard blah blah blah letter that they send to everybody.

 

Let us know which letter you've sent to A&L so we know what stage you're at

 

Cheers

[boxerdog1999]

Hi,

 

Sorry, forgot that bit. Yes, it was a prelimanary request for MY £300.

 

Cheers.

 

26th July 2006 - Prelimanary request for payment sent.

29th July 2006 - A&L acknowledged receipt of letter.

[caro]

That was a fast response. Keep us posted.

[boxerdog1999]

Nothing since the "standard letter"! Time for next letter?

[Sophie-Jane]

Yes time for 2nd Letter LBA

 

If it was like mine, it will be Go away, you are not getting anything

[The Holte41]

Sent my LBA today (recorded delivery) - will be interesting to see how you get along/timescales etc

[boxerdog1999]

Hi Holte41,

 

Just checked my online account today and they're (A&L) planning to take another 2 x £25 in charges! I'll send my LBA tomorrow & let you know!

[Sophie-Jane]

Hi Boxerdog1999

 

Add that charge to your spreadsheet, and change the amount on your LBA to reflect the New charges

 

 

Near the end of my partners case, they claimed charges on the account, and refunded them back in. a week later my partner got the cheque for the Previous charges applied

 

Not sure, but have they stopped charges on that account,? We'll see

[boxerdog1999]

Nothing from the A&L, other than the standard letter, so I'm sending my LBA today! I've added two pending charges of £25 each that are due to be applied on the 20th August. Total claim - £352.

[boxerdog1999]

Day 12 since my LBA and the good old A&L have responded! In brief; apologies for delay in responding, charges are correct, OFT ruling, blah blah blah.

 

The important bit, " . . in a genuine attempt to resolve . . . and to place our banking relationship on a firm footing(!), . . . prepared to offer a refund of four or the (13) charges totalling £118 on a goodwill basis.

 

My claim totals £352, so they're offering roughly a third. I've moved my account back to the Halifax, so I'm not interested in placing my banking relationship on a "firm footing"! The question is, take the money and run or stick out for the full amount?

 

Any advice, gratefully received.

 

Richard (Boxerdog1999)

[caro]

Do you want £118.00 and let A&L keep the rest, or do you want all of your £352.00.

I know which I would do.

[boxerdog1999]

So, Reply and reject or go straight to Moneyclaim? They're are 2 days away from the 14 day deadline I gave them.

[caro]

You could do that, or you could reply, reject and add that as you recognise their willingness to resolve the issue, you are willing to allow them an extra 7 days to pay the full amount before resorting to Moneyclaim. Whatever is best for you.

[boxerdog1999]

Thanks Caro,

 

Will do that & keep you posted.

[boxerdog1999]

An update. A&L replied today, (day 7 of my 7 day extension) with another standard letter. They thank me for my further correspondence and will respond in the next 28 days.

 

Question: Ignore and go for moneyclaim or wait for their response?

 

I'm not in any hurry, but don't want to jepordise my claim by hanging around.

 

thanks,

Richard (Boxerdog1999)

[SickofA&L]

Hi there. Guess what! A&L have put me £700 overdrawn with charges. Closed the account and asked for money to be refunded and they told me they would get a debt recovery agency to collect money from me. After that I got a letter telling me that all fees are lawful and I've got my facts wrong so pay up. Any ideas what to do now? think i'm going to hold on till they contact me again

[caro]

Stick to your timetable Boxerdog. You have given them long enough so do what you told them you would. Go to MCOL and take them to court.

 

SickofA&L can you start your own thread, explain what you have done so far, and we will try and help. Read the FAQ's and step by step instructions. If they have not taken this action yet give them a ring and tell them you are placing the account in dispute and they should not take further action. Immediately follow this up with a letter confirming the telephone conversation that the account is in dispute and that no further action should be taken until the dispute is resolved.

[boxerdog1999]

As the subject line suggests!

 

Watch this space!

 

PS How long before something happens??