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    • TBH gotta be quite frank here as much as we hate BM world. why didn't you not simply change the battery? or come here FIRST before launch a court claim? or let them do it.? a flat battery is gonna be a hard case to win +£500 on     
    • Hi all, thanks for the feedback. I have now made the final amends and included the supporting evidence in this final version of the WS / court bundle. Attached is the redacted version of this final WS / court bundle. If there is any further feedback, please do let me know. If not, I will get 2 copies printed for posting - 1 to the court and the other to Evri. Final Draft - Witness Statement and Court Bundle redacted.pdf
    • We dispute the claim on the basis the claimant has made not efforts to mitigate their losses, nor did they obtain any prior authorisation. The claimant purchased a used Mini Cooper Convertible from our dealership on or around 21st April 2023. On or around 23rd April 2023 the claimant notified ourselves that the vehicle had failed to start, the claimant had since had this diagnosed as a battery. The Claimant proceeded to book their vehicle with Stephen James (BMW/Mini Main Agent) and authorised a battery replacement and paid a total sum of £597.42, the claimant obtained no authorisation for this cost beforehand, and has since tried reclaiming the full amount. We have advised the claimant we would not consider the cost of the unauthorised repair he has had completed. Had the claimant returned the vehicle to the selling dealer, it is likely we would have offered to replace the battery at no further cost to themselves, we have therefore agreed to offer a contribution of £165 towards the repair. This cost is in line with the cost of a replacement battery had the vehicle been returned to ourselves.    
    • You can only get a CCJ if you lose the case and then stick two fingers up to the court and refuse to pay. Even in the very, very unlikely event of you losing, as long as you paid within the 30 days ordered by the court you wouldn't get a CCJ. But you've come here very late and we need the sticky filling in please.
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MoneySuperbroke -v- A&L


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I am in a simlar situation where I moved my banking to A&L as they promised me £150.

 

They badly messed up the transfer which resulted in me having missed payments on my mortgage and bils and I had to manually contact each debits to move back to my old bank.

 

They sent me a letter stating there would be no charges and I then sent a

letter of complaint. They replied that itwould take some time to look into this and after 2 months, a reply has come back asking me for £250 !!!

 

I am shocked and not sure what to do next as I have already sent in a full complaint. Is there a way I can contact someone who can help - at A&L or a help organisation?

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Hi MS,

 

I've moved your post into your own thread to avoid hijack.

 

Are you now with A&L or back with the old bank again.

 

Have you any idea why they want £250 back from you. If you don't know, write to them and ask for details. Remind them that, if they fail to reply promptly or reasonably, you'll lodge a formal complaint with the FOS.

 

Is it possible that you do, in fact, owe them the £250 after the mix-up.

 

The bank may be willing to waive charges but, if you DO owe this amount, they may still want it.

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As I have never recieved a satement, I have no idea what the charges are for right now. I am drafting a letter to find out why it has taken 9 weeks to reply to my origional letter of complaint and also why I didnt know about any charges for 9 weeks as it has obviously got worse over the 9 weeks with charges leading to charges.

 

 

I am now back with my old bank and wish I hadnt bothered trying to take advantage of a too good to be true offer.

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Hi MSB,

 

May be an idea to send them a SAR so you can see exactly what happened on the a/c during the chageover, and since.

We could do with some help from you

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I finally got a call from them after waiting a long time.

 

I now owe £350 in charges on a 50p overdraft.

 

They say that I did not tick the box asking to transfer my salary, so they only ticked the box asking to transfer debits. I know that I did tick this box as the website offered a £150 incentive to do so.

 

The events are as follows:

1) sign up for bank account at end of april

2) receive a letter shortly afterwards thanking me

3) recieve bank cards and security in june

4) notice in july that my mortgage and all bills have bounded

5) contact a&l and they say that they cannot help me

6) also find out that overdraft is not granted

7) transfer money into the account to cover bills

8) recieve a letter from a&l notifying me of the changes

9) cancel all debits and move back to old bank

i never once received a letter from them tellimg me when anythng would happen so i had no idea when my debits were moving. i also had no idea that by money in wasnt moving and i had no idea that i was moving from a current account with an overdraft to a current account without an overdraft. if they had sent one letter, email or phone call all problems could have been avoided.

 

they lady on the phone offered to cancel all charges and close the account.

 

i said that i would like them to cancel the charges, give me the £100 for moving to the account and cover the other charges that i have incurred with dropped direct debits. she refused so i asked her to put her offer in writing.

 

she said that a&l have a copy of the form i submitted (from the website) and that i am at fault for this and as the FOS deal in FACTS they would always side with me.

 

as far as i can see any charges incurred are not my fault, 25 charge for a 50p overdraft is ridiculous and the further charges are due to them having taken 10 weeks to respond to my complaint. however it seemed like i should be grateful it is not more charges and take it while i can.

 

anyone please tell me what i can do please?

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You'll only find out more by sending a SAR I guess.

 

Decide if it's worth pursuing.

 

If A&L have agreed to refund all chgs, that's good.

 

However, if this has caused you to incur charges on your old a/c, you should seek reimbursement from A&L for this.

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Thanks all for the help so far.

Following on from last week, I recieved a formal request for payment and in addition a letter stating that the offer of closing the account without charges is open for 8 weeks.

They also enclose a set of letters that I did not recieve, I am unsure if they did send them or not as one of the letters was not discussed during our lengthy phone call and this letter would have nullified the majority of my issues.

 

Should I respond with another letter or will the FO be of assistance?

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Hi MSB,

 

TBH the FOS will be very slow to respond and may not necessarily find in your favour.

 

From what I undestand so far, I think you should accept the offer to close the a/c with no charges.

 

Then, if you find that they have caused you to incur costs or charges with your old bank, or any of the people you would pay by DD's or SO's, send them a letter reclaiming such amounts.

 

If/when they refuse to pay, sue them !! :D

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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