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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

A&l

carolbl

By carolbl
in Alliance & Leicester

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carolbl

carolbl

Posted
Posted

Sent off initial letter and have received the many bank statements. They only had the nerve to charge me £5 for the statements even though I sent a cheque for £10 for them. After a telephone call they refunded the £5.

 

Having gone through the many statements what I need to know is do I add interest to these charges now or do I wait to add the interest if I issue Court papers.

 

I am really getting into this now. I have sent off letters to HSB even though the accounts are being paid off by us at £5 per month. Most of the debt was through their charges.

 

Credit cards and catalogues will all be getting their letters by now

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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Lil

Lil

Posted
Posted

Hi carolbl

Don't add the 8% interest unless it goes to court, (or when you apply to MCOL). The FAQ have a step by step guide which is really helpfull.

Good luck!!

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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carolbl

carolbl

Posted
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Posted

Ok thanks for that. Will read and digest the FAQ fully and will let you know how I get on with the A&L

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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carolbl

carolbl

Posted
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Posted

I noticed yesterday that a DD was due out which would have put me overdrawn. I therefore went to the bank to pay in sufficient funds to cover the DD. The bank have charged me £25 to pay the DD. When I phoned the bank today I was told that as there was insufficient funds at the close of business the day before this DD was due it is therefore right to charge me. I was offered half the cost back and I said no I wanted it all as it was an unfair charge.

 

Another £25 to add to my list.

 

It amazes me that Banks think it right to debit at the beginning of the day but only credit at the end of the day. Whatever suits them I suppose.

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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carolbl

carolbl

Posted
  • Author
Posted

My letter was sent on the 10th August requesting repayment. Now counting down the days.

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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  • 2 weeks later...
carolbl

carolbl

Posted
  • Author
Posted

Recieved a reply from my second letter stating "as previously mentioned on other threads" The OFT has commented that they cosnider the level of late payments ........ they were referring to....... credit card payments. They cannot accept..... unable to agree repayment.

 

I take it next step Court action.

 

Also read my statement throught internet banking. Future charges state £25 unauthorised overdraft Day 1. They have therefore charged me £25 for paying a DD even though I paid in sufficient funds and £25 for them to put me overdrawn by charging me that £25. All to pay a £10 DD.

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted

If you have sent prelim and LBA then the next stage is court action as you rightly say. It seems to be moving a bit quickly. Can you just confirm that you are talking about the Letter Before Action when you say second letter, or was the SAR the first letter you mentioned, and the prelim your second. It is not very clear from your thread.

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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carolbl

carolbl

Posted
  • Author
Posted

Yes sorry. I sent the SAR then the prelim now the next step is the Letter before Action. Received forms from NatWest to open another bank account and once that has been done will send of the LBA.

 

Also sorting out the accounts for Studio Cards, Capital One and Shoe Tailor. Then I will start on the others.

 

Its all getting a bit confusing

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted

Why don't you try just claiming off one or two to begin with so you get a feel for how it all works, and then take on others as these get settled and you gain more confidence. I know it is tempting to rush into it all at once, but I think it is better to take your time and make sure that you can cope with what you are dealing with. Also it can get expensive if you have lots of court claims to do at once, although you obviously get that back in time as well.

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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carolbl

carolbl

Posted
  • Author
Posted

Sending of LBA letter tomorrow. Just have to hope I can open an account somewhere else if the A&L close this one.

 

My problem is I have two accounts with A&L. Can I combine the two into one claim.

 

Total claim is £681 plus interest.

 

I appreciate your comments caro, but the other institutions are threatening court action unless I pay them, so cannot hold out much longer.

 

I wonder if they take me to court can I then put in a defence for the unfair charges.

 

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted

1. Yes you can combine the 2 accounts into one claim.

 

2. With banks if you place the account in dispute they cannot take any action until the dispute is resolved. Assuming you are in arrears on the other accounts, are the charges more than the amount of the arrears? If they take you to court you can certainly claim your charges back.

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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  • 3 weeks later...
carolbl

carolbl

Posted
  • Author
Posted

Finally managed to open my new NatWest step account.

 

I now intend taking further action against A&L.

 

Carol

 

 

Total debt due from A&L is £873.36

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted
sent first letter and recieved one back from a/l stating that the OFT states that the charges are for credit cards and not bank charges. does anyone know if this is correct or are they stalling and do i need to send second letter (lba)

The investigation was into credit cards, but they commented on bank charges. You do need to send an LBA, and also start your own thread. Keep reading round the forums, FAQ's etc as there is a lot to take in, but most claims and responses from the banks are fairly standard, like yours.

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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caro

caro

Posted
Posted

Click on this link and you will fine a blue button that says "New Thread"

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/

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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bagpuss3008

bagpuss3008

Posted
Posted
Sent off initial letter and have received the many bank statements. They only had the nerve to charge me £5 for the statements even though I sent a cheque for £10 for them. After a telephone call they refunded the £5.

 

 

Apparently its humna error to charge you for them. As long as they refunded it, I wouldnt be too worried

 

B x

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carolbl

carolbl

Posted
  • Author
Posted

Just had a letter from A&L after my LBA letter.

 

Still say they are not paying me my money back saying that the OFT report touched briefly on current account and did not give specific recommendations regarding the level of charges.

 

Looks like I am going to have to issue now.

 

I need to do some reading on how to do it.

 

Sorry two questions

 

What Court do I issue in - will it be my local Court

Where do I find out how much the issue fee is

 

Sorry

Carol

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted

If you use MCOL it automatically goes to Northampton and then gets transferred to your local court. If you file at the court, just take the N1 form in. Prices vary according to the size of claim. Keep reading FAQs etc, as all these questions are answered numerous times on the forum.

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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  • 4 weeks later...
caro

caro

Posted
Posted

How's this going Carol?

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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carolbl

carolbl

Posted
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I haven't issued yet, need to work out what I am doing first. Will I have to re-do the spreadsheet up to the date that I issue. Cannot get my head around it at the moment. I also need to find £80 to issue.

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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  • 4 weeks later...
carolbl

carolbl

Posted
  • Author
Posted

Now have sufficient funds to issue against A&L. Need to finalise the claim and interest and off we go.

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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caro

caro

Posted
Posted

Great. If you get your skates on you should have your money in time for Christmas.

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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  • 2 weeks later...
carolbl

carolbl

Posted
  • Author
Posted

I have decided to put this on hold until after christmas. Bearing in mind the A&L may close my account I dont want to take that chance just before christmas.

A&L debt due £873.36

Studio Cards £851.54

Shoe Tailor £1137.96 and rising monthly

Capital One ?

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