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Dave v Alliance & Leicester


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Hi all

 

This is my first post, but in the spirit of things I thought i'd add where im up to with my bank.

 

BTW, the letter templates on this site are excellent :p

 

 

I sent my "Data Protection Act 1998 Subject Access Request" to A&L for on "1ST July 2006". They came through a couple of weeks later, and after much trawling through the huge wad of paper they sent me...

 

I sent my "Request for repayment of charges" and included my "schedule of charges" asking for the money back on the 1st September. - to this i recived a generic reply stating that their charges were fair, and the OFT had only ruled on credit card changes being unfair.

 

I am sending my "LETTER BEFORE ACTION" this monday - 25th September 2006, and another copy of my "schedule of charges", just in case they have filed my last one under "bin".

 

 

I will keep this post updated when they reply to this latest letter, and im sending all letters recorded delivery so theres no excuses they havent had the letters.

 

 

Am I right in thinking that no-one has actually had to turn up in court, (I appreciate this is something you have to be prepared for) has it happened before?

 

 

Thanks

 

 

Dave ;)

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A&L stated some time back that they will pay all claims for anyone taking them to court. If you've read around you will know the format:- claimant starts court proceedings; A&L say they will defend the claim; A&L then settle.

 

However, there is always the small chance when you initiate legal proceedings that you may have to go to court, after all, you are suing them - though obviously the way things appear to be going this is unlikely.

 

The main reason is that the banks don't want to have to appear before a court and explain in full the way they make up their charges.

 

As long as you are aware that you are taking a serious legal undertaking, and not entering into this lightly, then you will be O.K.

 

Like they say in the scouts, 'Be prepared', even if it is only mentally. :cool:

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I sent my "Data Protection Act 1998 Subject Access Request" to A&L for on "1ST July 2006". They came through a couple of weeks later, and after much trawling through the huge wad of paper they sent me...

 

 

Hi there

 

Since they seem to send a wad of paper, would you trust the A and L to say " you were charged this on this date" as appose to sending 6 years worth of statements? I just think it would be easier than trawling through them all. What do you think?

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