Jump to content


GOOD (me sometimes) V EVIL (A&L)**WON**


bsia666
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5376 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone , I'm just at the begining of the process of reclaiming bank charges. Can any body advise me if I am entiltled to a full set of bank statements for 72 months or just a list of the charges for £10. I would like to claim the interest back but I dont know if the interest is shown in a printed out list of the charges supplied for your bank.

The A&L have offered to send a printed list but wont send the full statements. Thanks - Williiam. :)

Link to post
Share on other sites

  • Replies 177
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

if you sent a S.A.R you are entitled to all information they hold on you if they have just sent the charges then send letter 2

best of luck

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

Link to post
Share on other sites

Countybake thanks,I sent a standard type request in the form of a letter asking for 72 months statements. I located it at the Govan Law Centre site. I can assume that they must then provide 72 months statements (I did request this). I would not trust them to simply print off monthly totals onto paper and assume they have included all the charges. Sorry but I dont know what you mean by S.A.R ,can you explain?

Link to post
Share on other sites

S.A.R.-Subject Access Request is your letter you sent simular to this one

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

Link to post
Share on other sites

  • 2 weeks later...

A journey begins !!!!! ,I have just got my bank statements from the A&L and will be trawling through them later on today (30days to send). I have already had a result from them as they refunded my £10 DPA payment and appologised for the delay, HE HE you would think they were helpfull. I will gratefully donate to the CAG on settlement.............keep up the good work you do. William :)

Link to post
Share on other sites

£5,550 appox is the amount of charges that have been spirited away from me by the A&L .......BLOOMIN ECK. I will now have a further look at all the other info ,threads and take the next step.

Link to post
Share on other sites

You're doing the sensible thing, William, having a good look aroung the site first. This is a very serious thing you are about to undertake, you need to know what you are doing.

Opinion is divided on how to proceed if the amount claimed (minus interest) is more than £5000.

The more cautious among us suggest splitting the claim into two smaller amounts; taking the first charges by order of date upto 5k and claiming these first, then claiming the rest when this has been settled.

The other school of thought is that as the banks are, so far, not contesting the claims you may as well claim it all in one go. You have to be aware though that you would be liable for costs if the case went to court and you lost, (those who advocate this route believe the risk to be minimal however).

If money is an issue, there is also an implication re affordability, it being cheaper initially to instigate a claim for under 5k.

The choice is yours, William.

Whatever you decide, keep us posted. :cool:

Link to post
Share on other sites

:) changed my mind about my claim!!.........I shall split it into two separate claims, 00-03 and 03-06. I still havent got my head around all the ins and out of this process, Ill go back over it again. SORRY if im talking out loud - William :)
Link to post
Share on other sites

  • 2 weeks later...
:p Ive split my claim into two to keep it well below £5000 as this will offer protection against legal expenses should I fail. The first is from 22.10.00 TO 09.05.05. The amounts are £2,907.50 in charges and £242.70 overdraught interest charged. I shall photocopy the schedule of charges and send with prelim letter. :) :) :):p .
Link to post
Share on other sites

The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow:(

Link to post
Share on other sites

The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow:(

 

If you are splitting your claim, make sure that one claim is finished before starting the next, or you may find the court combine them anyway.

 

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.

Link to post
Share on other sites

By the way, I hope work wasn't too bad after all that time off.

 

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.

Link to post
Share on other sites

Thanks Caro for that advise, I will be ready in Jan or Feb with part two of my claim.............work was fine as I had to be on a course. I have the small concilation that I have 25 days of holiday leave left before new year.:)

Link to post
Share on other sites

I can only think you work for the Civil Service or in Local Government. LOL You don't have to answer that.

  • Confused 1

 

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.

Link to post
Share on other sites

:o Standard ........."I have noted your comments ++++++they must stand" letter arrived today,waiting till 14 day deadline passes then LBA is off to A&L (rec del)............................chat in about 14 days. :-)

Link to post
Share on other sites

However frustrating it may get, patience is what is required in this game, bsia666, as you have found out.

It is good that you keep us updated, as it shows other would-be claimers that it is a painstaking process, but done properly it is effective.

Keep with it. :cool:

Link to post
Share on other sites

;-) At last I have got to the post office to send my LBA off (rec del)........................I had a wry smile on my face as I left the Post Office as my local A&L branch is just across the road. So its another 14 days and my next step, Court proceedings , unless the ever so kind A&L would like to settle:eek: :):):):) .Chat in 12 or so days.

Link to post
Share on other sites

Has any one got advise on when to start the 2nd part of my claim?........I have an idea on this.It is to start the 2nd claim in the standard way with PreLim then LBA just now,but wait for the first claim to be settled and when check arrives on doorstep, start court proceedings again for 2nd amount of charges.This would complete the claming back procedure :)

Link to post
Share on other sites

  • dx100uk changed the title to Help required with getting A&L bank statements
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...