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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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A&L start to retaliate


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A&L shut down my account as soon as I got my charges back. I had a phonesave account into which I paid £25 a month and a flexiplan plus account with a debit balance. Flexiplan is linked to the current account so I knew it would have to be sorted out - I rang on the 10 October and settled the Flexiplan account and was surprised to receive a letter a few days later saying they wanted the balance immediately or they would instruct a debt collection agency.

I have drafted this to A&L - of course I've chopped it up for the forum but what do you all think? Do you think I could ask for more, say £34???

Any comments will be gratefully received :)

 

Alliance & Leicester plc

 

Account no. xxxxxx

14 October 2006

 

Dear Sir/Madam

Flexiplan Plus Account number xxxxxx

Notice served under section S8 (1) of the Consumer Credit Act

I write with reference to your letter dated 12 October 2006.

You should be aware that this account was in fact settled some days ago. I paid £199.91 from my Phone Save account and a further £566.05 using my Abbey Credit card. The authorisation code is xxxxxxx.

I am concerned that you have sent me a threatening letter although the balance has been paid – it was I that contacted Alliance & Leicester regarding payment not the other way round.

The reason that my account was closed was purely in retaliation at my claiming back bank penalty charges recently – I have banked with you for over 20 years and would have been happy to continue to do so. I did not choose to close my current account, that was the decision of Alliance & Leicester.

I enclose my invoice in the sum of £12.00 and payment should be made by cheque payable to Mrs xxx within seven days.

 

 

INVOICE NUMBER 001

 

TO: Alliance & Leicester plc

 

RE: Account no. xxxxxx

DATE: 14 October 2006

Being charges relating to time spent in the preparation of a letter of response to a letter dated 12 October 2006 from Alliance & Leicester. Itemised below:

 

To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage.

TOTAL DUE: £12.00

 

PAYMENT DUE 7 DAYS BY CHEQUE PAYABLE TO MRS xxx

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Good one Lindy!! Keep us informed on how it has gone

: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 think invoicing them for £12 is a bit steep. Surely it doesn't cost that much to send a letter....LOL

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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I think invoicing them for £12 is a bit steep. Surely it doesn't cost that much to send a letter....LOL

 

Exactly :) I know it's steep (LOL) but think of all the time and trouble I've taken to put a letter together, honestly the bank has got to understand that these things cost money!!! LOL :lol: :lol: :lol:

 

If they pay up I am going to scan the cheque and post it on my website, this bank baiting is fun isn't it! I was laughing as I typed (after being very annoyed initially) and just thought NO they cannot continue treating us like this. Debt collector??? What a cheek - it was me that initiated repayment.

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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  • 3 weeks later...

Well - they are really worried aren't they ... got a cheque for £12 plus a letter of apology this morning!!! :)

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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A&L shut down my account as soon as I got my charges back. I had a phonesave account into which I paid £25 a month and a flexiplan plus account with a debit balance. Flexiplan is linked to the current account so I knew it would have to be sorted out - I rang on the 10 October and settled the Flexiplan account and was surprised to receive a letter a few days later saying they wanted the balance immediately or they would instruct a debt collection agency.

I have drafted this to A&L - of course I've chopped it up for the forum but what do you all think? Do you think I could ask for more, say £34???

Any comments will be gratefully received :)

 

Alliance & Leicester plc

 

Account no. xxxxxx

14 October 2006

 

Dear Sir/Madam

Flexiplan Plus Account number xxxxxx

Notice served under section S8 (1) of the Consumer Credit Act

I write with reference to your letter dated 12 October 2006.

You should be aware that this account was in fact settled some days ago. I paid £199.91 from my Phone Save account and a further £566.05 using my Abbey Credit card. The authorisation code is xxxxxxx.

I am concerned that you have sent me a threatening letter although the balance has been paid – it was I that contacted Alliance & Leicester regarding payment not the other way round.

The reason that my account was closed was purely in retaliation at my claiming back bank penalty charges recently – I have banked with you for over 20 years and would have been happy to continue to do so. I did not choose to close my current account, that was the decision of Alliance & Leicester.

I enclose my invoice in the sum of £12.00 and payment should be made by cheque payable to Mrs xxx within seven days.

 

 

INVOICE NUMBER 001

 

TO: Alliance & Leicester plc

 

RE: Account no. xxxxxx

DATE: 14 October 2006

Being charges relating to time spent in the preparation of a letter of response to a letter dated 12 October 2006 from Alliance & Leicester. Itemised below:

 

To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage.

TOTAL DUE: £12.00

 

PAYMENT DUE 7 DAYS BY CHEQUE PAYABLE TO MRS xxx

 

They paid up! and aplogized profusely for any inconvenience and distress :grin:

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Well done, thats great news!! Now they can see its not nice to treat people like 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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Beautiful, just BEAUTIFUL

:D :D :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage.

TOTAL DUE: £12.00

 

PAYMENT DUE 7 DAYS BY CHEQUE PAYABLE TO MRS xxx

 

 

My favourite bit! :D :D

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I've got copies of my letter and invoice plus scans of A&L's response and cheque if anyone wants to use them.

 

I was laughing as I typed and thought what the heck but I laughed louder when I got the apology and cheque - it's just delicious :grin:

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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Revenge is so sweet, never laughed so much at this time in the morning

 

Fantastic result

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  • 2 weeks later...

I am happy to post/email complete word docs including scans of grovelling response and cheque if anyone wants to use them.

My invoice (no. 001) paid in full and promptly - RESULT :D

Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months. :D

Nat West settled in full £1458.09 on 1/11/06

Thanks to you all for your help! :-)

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This may sound really really really stupid and extreme

 

But as you issued an invoice, make sure you declare it on your Tax Return

 

You just Never Ever know

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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