skudbuket v A and L * * WON * *

[skudbuket]

having read the forum for hours finally decided to go after these rip off artists, have had two large blips in my account with them over the last 6 years, both times when the equally wonderful Tax Credit system crashed and refused to pay me for about 6 weeks. Both times spoke to A and L explained that temporary problem and could they please not add bounced charges to my account as I would never be able to get straight, both times they were adamant that as account was in red no overdraft would be offered and basically tough luck. At the time I was distraught as two young kids and no money, struggled through however, no thanks to the Tax Credit office who must be the most inefficient Government dept and thats saying something, tallied up what A and L owed approx 1200 quid, sent all the letters, last week trundled down to my local County Court and issued small claim no 6HH01760, today have received notice from the Court that they have filed Acknowledgement of Service, with intent to defend all of the claim.

Looking forward to what happens next as Im not easily intimidated but what I would be interested to know is if they attempt to close my account which they no doubt will, what are my chances of getting an injunction to stop them, as to try and get the Tax Credit Office to pay into a different account is not something I would look forward too. I only have a basic account and this is the only money that goes in apart from Child Benefit. If anyone has any thoughts please let me know.

[Michael Browne]

This is what Fivelaws is attempting to do, look here:

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/11292-fivelaws-l.html

 

and post 15 here for his N1:

http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html

 

Alternative bank a/c's here:

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

[skudbuket]

Thanks Michael, will start researching my N1 injunction now, looks like the timing and wording needs to be spot on.

[danni123]

Hi, i think A&L will try to close your account, im in the same position, and have just issued court proceedings against them, and i also opened a basic account with the Natwest, called Step account, did it all online, no credit checks my new debit card was with me within a week and i arranged to have my tax credits paid in the next week!! i know all banks are being challenged and no bank is better but this was just convenient for me, hope this helps! danni

[skudbuket]

Hmm, fastest that A and L have moved on my complaint...a cheque in the post this morning in full payment of claim, with no admission of liability on their part!

Also a nice little last line from them " as it is clear that you do not accept our terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation"

Suppose that this will be where they tell me to get lost, in the process of drafting my injunction to stop this which I hope to file on Monday. Soon as this nice cheque has cleared will be donating 5% as could not have got this far without all the help from the forums and all the hard work put in by all you guys in charge. A big thank you from myself to you all

[skudbuket]

Back to Haywards Heath Court today, injunction filed to prevent account closure. The Court Manager was not available to speak to, but the lady who dealt with my application thought that it would have to go before a District Judge. Do not have the court number for the application yet as I dont have to pay the full fee for Service so they will advise details by post when the application is approved.

[dollies01]

Congratulations on your win!!!!!!!

best of luck with your injunction

[andrea and ian]

hi there , hope that you dont mind me emailing you but your case against a& l is identical to what is happening to me at the momment, and i just dont know where to start. My tax credits failed to go into account so i dutifully informed a&l that problems were going to arise as a result. on day one i was charged £75 alone for failed transactions, that was two months ago and due to the tax credits taking so long to rectify there error it is esscalating. A&L have been no help at all and i just dont know how to stop it spiraling out of control any advise you may be able to offer would be appriciated as i just carnt seem to focus enough to get started as i feel so overwelmed with the spireling debt

[tamadus]

hi there , hope that you dont mind me emailing you but your case against a& l is identical to what is happening to me at the momment, and i just dont know where to start. My tax credits failed to go into account so i dutifully informed a&l that problems were going to arise as a result. on day one i was charged £75 alone for failed transactions, that was two months ago and due to the tax credits taking so long to rectify there error it is esscalating. A&L have been no help at all and i just dont know how to stop it spiraling out of control any advise you may be able to offer would be appriciated as i just carnt seem to focus enough to get started as i feel so overwelmed with the spireling debt

 

 

OK sit calmly and start trying to think rationally as your going to need to be focussed on the task at hand. First start a thread of your own and read all the FAQ's etc etc and as many threads as you can manage as each thread has a new twist somewhere in it. Then send a DPA SAR requesting the data you will need, unless you have all your statements. A sample letter will be found in the library. Then we can go to town on A&L yet again and start the process of getting your money back:razz:

[welshgirly]

Hi there i'm new to all this. I have an account with the A@L and would like some advice on how to approach them. cheers

[tamadus]

First thing welshgirl is to start your own thread so as not to confuse or hijack other peoples threads. Then read all the FAQ's etc. You really do need to understand the process involved or you will make mistakes.Then we get down to business

[skudbuket]

The Court Manager phoned back today, as well as the N1 an N16A has to be completed for an Injunction, which I have duly downloaded from the on line Court Services.I have filled it in and posted it back, so this will now be served as the Manager has approved the Fee Exemption, and every thing else is in order with the Injunction Application. It seems that it will go before a District Judge to be heard.

[tamadus]

The Court Manager phoned back today, as well as the N1 an N16A has to be completed for an Injunction, which I have duly downloaded from the on line Court Services.I have filled it in and posted it back, so this will now be served as the Manager has approved the Fee Exemption, and every thing else is in order with the Injunction Application. It seems that it will go before a District Judge to be heard.

 

Sounds like it's all systems go good luck with it

[skudbuket]

Notice of Injunction Hearing sent to A and L by the Court on 12th September, hearing date is the 19th September, will they turn up... what will they have to say if they do, this could be interesting.

[younganfree]

Please keep us updated on this one skudbuket as it is obviously of great importance to us all. It may be the precedent we need.

[younganfree]

hi there , hope that you dont mind me emailing you but your case against a& l is identical to what is happening to me at the momment, and i just dont know where to start. My tax credits failed to go into account so i dutifully informed a&l that problems were going to arise as a result. on day one i was charged £75 alone for failed transactions, that was two months ago and due to the tax credits taking so long to rectify there error it is esscalating. A&L have been no help at all and i just dont know how to stop it spiraling out of control any advise you may be able to offer would be appriciated as i just carnt seem to focus enough to get started as i feel so overwelmed with the spireling debt

 

As Tamadus suggests, start your own thread then we can keep an eye on your individual case more easily.

On a practical level, have you thought of going to the Citizen's Advice Bureau to see if they can offer you some advice or assistance in the short term to help you stop the spiralling debts? Although claiming your money back will be the most benefit in the long run, it will be a long and drawn out affair, so you obviously want to stop things getting out of hand first.

Best of luck, whatever happens.

[kprime]

hi there good luck with your claim,im just about to start my claim now can i ask do you have to add interest cos i aint got the time to work it out as im so busy so i was going to leave it but didnt know if i had to add it on or not