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A + L recalling the debt


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Just one question really.. already going thru the process with the Halifax, should get a result in a week or so...

 

I have a CC which i owe £900 on.. if i were to start action against the A+L could they recall that debt straight away? are they likely to? i have no DD or SO with them, just pay it with a cheque each month..

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They could do. How much do you owe them? Would you be able to pay back the whole amount? Ask yourself these questions but then don't forget they should not be taking these unlawfull charges from you anyway.

May be worth trying the first letter with them and see how it goes from there because the CC charges should have been changed anyway.

Someone will correct me if i'm wrong...

We can not tell you what to do but hope this has helped a bit :-)

: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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ohh thats a lot of charges. Your gonna need to decide this one. If its any help A&L have told me they are going to close my account on 20th October and they will be in contact about paying off the overdraft. We've only got £100 but i'm waiting to see how they will ask for it as they have not yet been in touch like they said they would. I'll keep you informed if you like so you have an idea but the CC may be different than the bank account....

: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 will do, my thread is in the 'won' bit and its lil v a&l "won". I'll let u know after the 20th what happens about the overdraft.

: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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Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..

 

and he'd better be a big one!!!!!!

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Alliance and Leicester credit cards are underwritten by MBNA bank, i don't know if that makes a difference if you claim against A & L or not , but technically you owe the money to MBNA (i think)

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]Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..

 

and he'd better be a big one

Thats what makes Britain Great,the plucky underdog willing to fight his corner.:D

good on yer.

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Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..

 

and he'd better be a big one!!!!!!

 

Ha Ha!!!!!!!!!! That made me laugh :D

: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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Share on other sites

A&L credit cards are administered by MBNA and there is a separate forum for them.

The Consumer Action Group is a free help site.

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

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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MBNA I believe. Take a look at your statement for an address.

The Consumer Action Group is a free help site.

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

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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Think thats a good idea Brian, still no news on my account closure. Just checked online and can still access my account!!! So much for them closing it.

: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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