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abbo V Alliance & Leicester ***WON***


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Hi All,

First time poster, i have sent my S.A.R - (Subject Access Request) letter dated the 4th August and was just wondering what the expected lead time will be before i receive any correspondence. There are varying timescales on here so just after a ball park figure.

There is some excellent information on these forums and i have been looking at some of the test cases and they make fascinating reading. I just hope my case will go as smoothly as some of the others and i am not the one that "breaks the camels back". Surely the banks can't just keep paying out !(Even if it is our own money)

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Until they find a way to change the law they will have to keep paying us back! good innit? good luck with your quest you shouldn't have to wait long!

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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  • 3 weeks later...

I have now received my statements for the last 6 years. I was wondering when exactly the 6 years ends. Is it from when i sent my S.A.R - (Subject Access Request) or from when they replied or from when i send them my request for my money back? I don't want to jeopardize my claim by asking for something that goes back 6 years and 1 month.

Also i have a querie regarding my monthly O/D charge.It is normally £5 which i know i can't claim back, but in quite a few months (sometimes after the previous month i was charged £5 i have been charged £25. Can i claim back the difference between the £5 which i am currently paying and the £25 which i have been charged on 10 different occasions ?

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not if its the overdraft fee. They used to do £25 charge, is it before all the £5 ones? If its a service fee then you can not claim that back i'm affraid.

Good Luck anyway

: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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No , it's not before the £5 ones. Thats why it's confusing. One month my overdraft charge is £5 then the next month its £25 then it goes back to a fiver for a couple of months then another £25 one "sneaks" in. There is no fixed pattern. anyway, i have sent my letter requesting payment and have included these £25 charges as erroneous so i hope it doesn't affect my claim !

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oh that is confusing!! Don't know about that then sorry!!

: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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I had the same sort of thing as you , i disregarded all the £5 charges as that is overdraft fee, everything else i claimed for, they seem to use the same abbreviations for Overdraft and Overdrawn which is confusing. My claim is filed now so will have to wait to see if i've done the right thing.

Claim served 21/09/2006

Acknowledgment of Service received 21/09/2006

Cheque for full settlement received 03/10/2006

Notified of account closure 31/10/2006

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Got my letter back today with the usual "sorry your disappointed but the charges have been raised correctly blah blah blah nonsense". Will be sending LBA tomorrow, so watch this space. Before i send my LBA just a quick point. The template states "I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]." they have actually responded to my letter albeit in a negative manner. Should i just edit the LBA to say such or what ?. Any help will be appreciated.

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Just amend it. I put "I am very disappointed with your responce to my letter dated xxxxxx. Hope this helps

  • Confused 1

: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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ok Lil, thanks for the info. Will send today. If i get the standard "sorry your not happy but the charges are legal and must stand" letter before the 14 days have expired (the first letter came back in 4 days) do i have to wait the remainder of the 14 days before i file the MCOL.?

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I think its best too as then they can not say you did not give them the time limit. I know its annoying and they make you wait but its best to do it the tried and tested way

: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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Hi, abbo.

Let's not cross bridges before we come to em, dude. See how long it takes for em to get back to you.

Besides, looking round the threads it seems doing the mcol can be quite a timely task and you may be glad of the 14 days to give you time in which to do it properly!

Luck, dude! :cool:

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Got my second letter back today with the usual "Our original decision stands and sorry your dissapointed bla bla bla" . Will now fill in the MCOL over the weekend and set the wheels in motion. Any advise on filling in the MCOL will be appreciated. I have read the FAQ's but any personal advise will help. Someone on an earlier thread said something about e-mailing A & L, any clues ?

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Had my "Notice of Issue" yesterday that says "it will be deemed to be served on the 4th October" The defendant has until the 18th October to reply.

So i am expecting an acknowledgement from Alliance & Leicester in the next few days. Hope it's positive. Everybody thinks they are the ones who are going to have to go all the way to court. Hope its not me

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I don't think you have anything to worry about. All you can do now is sit back and wait.... :cool:

: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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  • 2 weeks later...

Have today received my "Acknowledgement of Service" letter stating that they intend to defend my claim. I believe they now have an extra 14 days to compile their defence from when the issue was served.

What do i expect now ? (hopefully my cheque) will i get a court date ? If they don't reply once the extra 14 days are up do i win by default?

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Should be your cheque next so just need to wait. I think it you do win by default if they do not reply once the 14 days are up but not 100% sure on that.

: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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I'm pretty sure they have to file a defence within 28 days from the date of service of the claim form with particulars of claim, ie the papers you filed at county court. I received my cheque about 11 days after receiving their Acknowledgment of service so expect the same. Good Luck!!

Claim served 21/09/2006

Acknowledgment of Service received 21/09/2006

Cheque for full settlement received 03/10/2006

Notified of account closure 31/10/2006

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Yes no and yes.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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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Hi folks, i'm still waiting for the postman to bring me MY MONEY back, but while i'm waiting. I read somewhere on another thread that i can no longer find ,that by e-mailing Alliance & Leicester's solicitor with a list of the charges your'e claiming for it can speed up the process. Any help would be appreciated.

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