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robbie1

£4071.50 won back from Alliance & Leicester

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:-)

 

Thank you to everyone on this forum I have just won £4071.50 back off the Alliance & Leicester edit.

 

It all happened so much faster than I thought it would. I started to look into this and first visit this site at the start of Sept 06. As the A&L hit me with £100 24hours to clear hence the charges!!! That was the final straw. I sent off with my £10 for my statements and toted up the total charges over 6 years. Sent in charges saying to me that the cash I put into the account to cover DD's took the 2 templated letters both refussing to give me my money back. So started my MCOL on the 6th Oct, it was acknowledged on the 10th Oct. On the 26th I checked the status of my claim and it said defence recieved and I started to panic. I didnt need to as when I got home I had a cheque for £4071.50 waiting for me. They defend liabilty however happy to give me my money rather than go to court. Anyone who is taking on Alliance & Leicester and wants advise just ask I am more than happy to help. I have already got most friends and family starting the process. Once again a massive thank you to everyone!:)

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hi robbie1 ive just submitted my 1st letter to A&L for £1100 in charges my main concern in doing this was because id read so many storys where people where getting there money back but there banks then gave them 30 days notice of closing there accounts, i dont have the best credit rating & fear if this is the case i might struggle to get another bank account was this the case with A&L ??

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Some banks like Nat West have basic accounts that anyone can have. You won't get an overdraft or cheque book, but can do direct debits and standing orders.

 

A&L will close your account if you put in a court claim.


 

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.

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hi robbie1 ive just submitted my 1st letter to A&L for £1100 in charges my main concern in doing this was because id read so many storys where people where getting there money back but there banks then gave them 30 days notice of closing there accounts, i dont have the best credit rating & fear if this is the case i might struggle to get another bank account was this the case with A&L ??

 

I am in the same boat as you, managed to get the cashminder account with the Co-op

 

 

Well done Robbie :p


A&L S.A.R - (Subject Access Request) sent 6/10/06

Chq cashed 18/10

STATEMENTS arrived 27/11/06

Prelim letter sent 29/11/06 £461

 

Capital One X 2 S.A.R - (Subject Access Request) sent 12/10/06

Cheques cashed 28/11

Prelim sent 29/11 £276

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Well done Robbie! I sent the data protection form back on 10th October with the cheque for £10 and they are dragging their heels getting the information relating to my charges back to me. I phoned them for an update and was told that they had 40 days to send me the information. If they think that I am going to back down through lack of patience then they are sorely mistaken!!

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Thanks for all yours advice on my worry on getting another bank account thought id inform you all i did some surfing and got a basic account with a visa delta chip & pin from Citibank,2nd letter has been submitted to A&L will keep you all informed of progress

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Hi

 

Can you let me know if you just penned a letter asking for the A&L to refund all the charges they had added to your account or do you know where i can get a template for an appropriate letter to send A&L? I've just had my statements for the last 6 years and am amazed to see my charges total £5040!!

 

Has anyone else wrote to the A&L claiming back their charges or should i just go ahead and start the ball rolling in the small claims Court?

 

I'm currently on an IVA and wondered if anyone knows if i'll have to let the IVA company know if i win my claim or, as this is part of the cause for me having to resort to an IVA ,will i be exempt from declaring it to my creditors?

 

Thanks in advance for any advise

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Hi Clanger.

 

You will definitely need to inform the supervisor of your IVA, if you win the charges back, as they will want to take this into account to refund any creditors.

 

Bluedolphin

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Hi Bluedolphin

 

Thanks for your advise.

 

Perhaps you may have an answer to the following?

 

At the time of starting my IVA i owed A&L £1400 which is now part of my IVA. Will they automatically take that off my £5000 charges refund claim, leaving me with £3500 of which i understand i will have to pay 50% to my IVA company or will the debt to A&L still stand as part of my IVA, and therefore the 50% to my IVA will be from the £5000 claim, leaving me £2500 in my pocket?

 

Thanks for any advise from anyone

 

Confused!!!

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Hi Clanger.

 

As I understand the way IVA's work, having been through one, any money you receive, must be distributed equally to all creditors, therefore, A&L couldn't take back in full what is owed, but only a proportion of the debt, otherwise, they'll not be abiding by the terms of the IVA, which is supervised by your supervisor.

Inform your supervisor and let them do the donkey work, afterall, that's what these supervisor's are being paid to do!

 

Incidentally, did A&L close your account with them? We have an overdraft with A&L of £1500, which we want to pay off, but they won't give us a loan, despite the fact we owe very little and earn good money! On another note, on your credit record, will be a record of the IVA, which will stand for 6 yrs from the time it was accepted, so be prepared for knock backs.. we are still having them, despite finishing the IVA in 2004 (2 yrs early of the 5 yr agreement).

 

Best of luck for the future.

Bluedolphin

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am filling in my mcol and sent my last two letters to Customer Service centre bootle Merseyside do you know if this is the correct address?

Also is there a statement that i can use to mcol anywhere on this site not quite sure what to write also do I include the court costs in my claim or is this done automatically

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Hi Bluedolphin

 

Thanks for the info. Yes A&L did close the account but i managed to open a Natwest Account just in time so i've transferred DD'S etc to this account.

 

Will contact my IVA supervisor to confirm your imfo.............thanks once again.

 

Just received my standard reply from A&L letting me know they are correct and justified with charging me the fees they've charged etc etc. Should i wait till the 14 days are up (next Monday)before i send my LBA letter or shall i send that now?

 

Thanks in advance for any info

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I was advised to wait for the 14 days.

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cheers

 

Will wait till Monday then................then the LBA will be in the post.

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:-)

 

Thank you to everyone on this forum I have just won £4071.50 back off the Alliance & Leicester edit.

 

It all happened so much faster than I thought it would. I started to look into this and first visit this site at the start of Sept 06. As the A&L hit me with £100 24hours to clear hence the charges!!! That was the final straw. I sent off with my £10 for my statements and toted up the total charges over 6 years. Sent in charges saying to me that the cash I put into the account to cover DD's took the 2 templated letters both refussing to give me my money back. So started my MCOL on the 6th Oct, it was acknowledged on the 10th Oct. On the 26th I checked the status of my claim and it said defence recieved and I started to panic. I didnt need to as when I got home I had a cheque for £4071.50 waiting for me. They defend liabilty however happy to give me my money rather than go to court. Anyone who is taking on Alliance & Leicester and wants advise just ask I am more than happy to help. I have already got most friends and family starting the process. Once again a massive thank you to everyone!:)

Hi

alliance and leicester have charge me £400 admin and a years interest for redeeming my mortgage early, can you advise if this is legal as with bank charges.

Thanks

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:-)

 

Thank you to everyone on this forum I have just won £4071.50 back off the Alliance & Leicester edit.

 

It all happened so much faster than I thought it would. I started to look into this and first visit this site at the start of Sept 06. As the A&L hit me with £100 24hours to clear hence the charges!!! That was the final straw. I sent off with my £10 for my statements and toted up the total charges over 6 years. Sent in charges saying to me that the cash I put into the account to cover DD's took the 2 templated letters both refussing to give me my money back. So started my MCOL on the 6th Oct, it was acknowledged on the 10th Oct. On the 26th I checked the status of my claim and it said defence recieved and I started to panic. I didnt need to as when I got home I had a cheque for £4071.50 waiting for me. They defend liabilty however happy to give me my money rather than go to court. Anyone who is taking on Alliance & Leicester and wants advise just ask I am more than happy to help. I have already got most friends and family starting the process. Once again a massive thank you to everyone!:)

 

Well done.

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Hi Robbie,

 

At at stage 4. Have had my 2 refusal letters explaining that overcharge refunds only applied to Credit cards not current accounts.

 

Do i now send off the claim form to the court and how much should i enclose for court costs

Thanks

HennyGlenny

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Hi

Alliance and Leicester have repaid the administration charge on my early mortgage redemption fee after sending them the first letter informing them that I would take court action if not refunded fully including the additional years interst they charged-they called this a gesture of goodwill. however they have not offered me the interest back. Is there a template for the second letter anyone can point me in the direction of?

Thanks for the feedback and any further help.

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Hi Robbie

 

Im doing the same as you did ..can you tell me what MCOL means please

They own 3160.00 wish me luck mate

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It means Money Claim on Line

 

BUT!!!!!!!!!

 

Make sure you do your claim in the correct order and

 

Read this first

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html


www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Hi Robbie,

 

Well done, a real inspiration!!! I have done things a bit back to front, you'll see from my thread, but i only sent off for my SAR today, how long did it take them to send your statements out as it seems differant people get it at differant times, is it just a lottery on how quick they respond?


19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Hi

 

Does anyone know if you can claim back these charges if you've been declared bankrupt?

 

I know if you're on an IVA it's pointless claiming because it just goes to the IVA company, if the charges are from a bank that are part of the IVA,so you don't see a penny of it, but wondered if a bankrupt would be entitled to a full refund?

 

Thanks in advance for any answers

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Why do you think you wouldn't be able to claim back the charges the same as anyone else; were you told at bankruptcy that you would have no recourse to the legal system?

Surely you have the same rights as the rest of us.

And as for IVA, why not claim even if you don't see all the money yourself - wouldn't it clear the debt all the sooner? :rolleyes:

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Hi Younganfree

 

The IVA company i'm with have imformed me that any 'extra' money above overtime/bonus payments from work go towards paying off the 'rest' of the debt and don't affect the actual amount i'm paying back. So what their saying is any of the charges i get back (estimated at £10,000+ from all my creditcard companies/bank charges) will go towards the part of the debt that has been apparently wrote off by them. ie say i owed £40k and the IVA arrangement involved me paying back £22k over the 5 years this extra 'windfall' would go towards the remaining £18k that i thought had been wiped off!!!!!

 

Whereas if i declare myself bankrupt my creditors get sod all and then any charges i get back after that are mine...............or not?????

 

Confused

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I think I'm with you now, clanger. What you are asking is whether you could claim back your bank charges if you were to declare yourself bankrupt in the future, is that correct?

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