Hope its ok to post this here, really need some reasurrance!

[twinmumagain]

Hi everyone!

I am very very new to this site, only joined this morning:)

I have been reading up like mad on all the FAQ's and all the hints and tips from all you lovely people and have decided to launch war against Alliance and Leicester.

My husband is saying go for it but my mum thinks I am being a mug and that money is never this easy to get hold of.

I am 100% going to start the ball rolling but what are my chances of recieving sod all?

Being fairly new to all this then it all seems a little scary. I have my letter drafted for my list of charges and my tenner ready to post off recorded delivery but I am quite a shy person and the thought of taking such a multi million organisation to court scares the willies out of me!!!!

Its hard though as I just cant help seeing pound signs for my 5 kiddies and a nice holiday being booked lol

 

Please tell me if I am being unrealistic! What are my chances of getting anything back from Alliance and Leicester? Are they slim?

Are there any threads here with failure stories for me to read to get me down off my podium?

 

Thanks in advance everyone.

 

Love Julie xxxxx:)

[Michael Browne]

Sorry to disappoint you, but there aren't any failure stories only these:

http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/

 

One thing to be aware of is that A&L tendf to close a/c's so a parachute a/c would be wise:

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

[Boobaby]

Hi everyone!

My husband is saying go for it but my mum thinks I am being a mug and that money is never this easy to get hold of.

I am 100% going to start the ball rolling but what are my chances of recieving sod all?

Are there any threads here with failure stories for me to read to get me down off my podium?

 

Thanks in advance everyone.

 

Love Julie xxxxx:)

 

Firstly, my son thought I'd lost my mind and my daughter was convinced that I was registered on some sort of sordid chat line!!! Both changing their mind now as Mum has just received the first of her pay outs from HSBC and in the process of chasing two others... So yes it is worth it after all what have you got to lose?

As you said you've been reading up on the FAQ's you really need to post this in the Alliance & Leicester thread as you will get information from like minded claimers. Hopefully a Moderator will pick up on this and transfer the thread.

Here's what you now need to do:

First a little piece of advice read, read and read this site. You need to read the FAQ's thoroughly as they will give you everything you need to start you off.

You need then to go here:

Consumer Action Group > Libraries - bank charges materials and other issues > Bank Templates Library 1. Data Protection Act, Subject Access Request letter - List of charges

 

This will gave you the initial letter template Data Protection Act (Data Protection ACT) - which, if you haven't got your bank statements or list of charges going back six years you will need to make a claim.

If you read this letter you will notice that it says "please provide me with a list of charges" which is what you are asking for. If you ask for statements they will charge you £5 - £10 per statement. They will probably provide you with the statements as this is an easier way of providing that information for them! You will also need to enclose a cheque or Postal Order for £10 to cover the cost of this information. They then have 40 days to respond to this letter.

I suggest you use that time to read up on the process and other people's threads etc...as someone said in another thread i've just read, take your time it's not a race just make sure you do it right.

On the Alliance & Leicester thread you will also have addresses to write too.

 

This is an amazing site and there are lots of people to help so good luck and go for it!!

[welly]

Hello twinmumagain

 

If you follow what is on this site and what the others have said then your be fine and go for it !!!

[PhantomReclaimer]

Twinmumagain;

 

Just remember when people say you are a mug that this is most definatelty NOT, NOT, NOT some sort of get rich quick scheme. This is you recovering YOUR money that has ben unlawfully taken from you. If you do it right you WILL win - no one with a properly prepared case has lost yet! Indeed, none have even got as far as a hearing, as far as I am aware.

 

I can undersatand that you are nervous, that's pretty normal. What you need to do is read as much on here as possible. don't just take at everyone else's word that you will win - learn the legal princliples behind the argument and your confidence will grow. There is no substitute for KNOWING what you are talking about and knowing the bank is in the wrong.

 

J.

[Boobaby]

Twinmumagain;

 

Just remember when people say you are a mug that this is most definatelty NOT, NOT, NOT some sort of get rich quick scheme. This is you recovering YOUR money that has ben unlawfully taken from you. If you do it right you WILL win - no one with a properly prepared case has lost yet! Indeed, none have even got as far as a hearing, as far as I am aware.

 

I can undersatand that you are nervous, that's pretty normal. What you need to do is read as much on here as possible. don't just take at everyone else's word that you will win - learn the legal princliples behind the argument and your confidence will grow. There is no substitute for KNOWING what you are talking about and knowing the bank is in the wrong.

 

J.

 

Hear, hear:)

[maroondevo52]

When I told people I was going to sue my Bank everyone said I was Bonkers!

Well I did and just received my first claim of £750 plus interest plus my £39 court fee. You must get your own money back, it was unlawfully taken from you.

 

Best wishes.

 

Scott.

[twinmumagain]

Thanks everyone, you are all very helpful!

My eyes have gone all googly now from reading so much!

Will class all this as me learning and try and hop on and swot up for a few hours a day when the 5 kiddies are in bed!

Will be nice to give them a lovely Christmas with all MY money!

[PhantomReclaimer]

Thanks everyone, you are all very helpful!

My eyes have gone all googly now from reading so much!

Will class all this as me learning and try and hop on and swot up for a few hours a day when the 5 kiddies are in bed!

Will be nice to give them a lovely Christmas with all MY money!

 

Christmas isn't that far away, you may or may not get anything paid back by then as if they want to drag it out they will do. Don't set your self an unrealistic timetable. You are looking at several weeks if the bank decides to play it right to the wire at each stage. If you need to do a SAR then they can take up to 40 days. You will need to allow 14 days from your prelim to your LBA then a further 14 days before you start proceedings. If they indicate that they will enter a defence they have, I think, 14 days to do that which then buys them another 28 to actually come up with one.

 

If you try and push them to an unrealistic timetable the whole thing could fall apart and you may have to start all over again.

 

Just another thought. Have you ever paid any mortgage redemption charges? If so, go after them too. Zootscoot has a good thread on that.

 

P.