£4071.50 won back from Alliance & Leicester

[JOE BLOGGS 68]

Hi Robbie

 

Just got a cheque for 3280.00 full payment from Alliance and Fester.

 

Thanks for your help mate

 

Cheers

 

Ian:D

[clanger]

Hi Youngandfree

 

Yes that is correct.

 

I've been told by my IVA provider that any money i get back will automatically go to them and will be used to clear the part of the debt that i'm not paying back towards...............is this right or does anyone else on here know?

 

Just got a counterclaim from A&L claiming that they don't owe me all that i'm claiming as i owe them £2000 but that is part of my IVA so not sure where i stand legally. I'd be happy with them taking what i owe them and keeping the remaining £3000 but at the moment not too sure what to do???

 

Can anyone else possibly help on this one???

[younganfree]

Clanger.

 

This thread is in the A&L Successes forum, so it may not get as much viewing as the plain, ordinary A&L forum. I only stumbled over your query here by accident!

 

I'd suggest, therefore, that you'll get more coverage if you start a New Thread for yourself on the A&L forum. As a result, you may get more feedback from others who may know more about IVAs and bankruptcy than I do.

 

If you word the thread the same as you did in the one you posted here on the 22nd of Feb, I think that will be enought to get the ball rolling.

p.s. You could also try starting a thread in the Debt Action Group forum, I expect they'll know a lot about this sort of thing on there!

[bluedolphin]

Hi Clanger.

 

Don't even consider going Bankrupt, it'll be worse than you can even imagine at some point in the future. Face-up to the IVA and any additional money you get as a windfall, give to the Supervisor, so they can pay your debtors. I managed to pay my IVA off after 3 yrs. ended paying an extra 5k over the agreed amount, but I don't have any probs getting credit now. If you went bankrupt, it'll be with you a long time!

 

Ian

[emma017822]

hi have just put in a letter asking for statements for last six years/chargess send recorded delivery recived on the 9th feb if they say no what do i do

[younganfree]

Emma has already started a new thread in the main A&L forum so no replies required on here, thanks!

[Mez]

Hi I am with Alliance & Leicester. How much do they charge for backdated statements and also coudl you send me copis of the letters?

[younganfree]

Mez, open yourself a New Thread on the A&L forum. We'll answer all your ?s there.

[bluedolphin]

Hi Emma.

 

You need to provide A&L with the £10 data potection fee, and they'll send you the past 6 yrs of statements. They can't refuse to provide them. The template letters etc, are all on this site, for you to refer to and use. No point re-inventing the wheel?

Ian

[Sam Hammond]

Hi robbie,

 

Fantastic news that you got your charges back from A & L, I wonder if you could help me? I have just got a letter back from A & L saying that their charges are fair, so they wont refund me £2036.50. I don't know what to do next. Should I send a letter or do I start court proceedings?

 

Thank you

Sam

[gmcdonald]

hi could you tell me what i do next. just got my last 6 years statements, i beleive it is best to show a table of all the bank charges i have received, where would i find this template? please:confused:

[Guest redredknight]

Glad to hear you won - I am trying but I have lodged a claim and the letter I have back states that they have nothing to answer to and i should have known their charges when i opened the account - do i still carry on ???

 

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!

[ralphonso]

Hi Robbie Alliance and Leicester have refused to refund my charges totalling with interest £6900 without interest £5600 I hasve given them the opportunity to refund my charges net of the interest they still say no I dont think i can make a claim through the small claim system becuase the amount is over £5000 what do i do now can you or anyone help!!!!

[floatingdragon]

hi i have just had their letter saying their going to defend as yet there's nothing on the mcol site to confirm the same what sould i do yours floatingdragon

[grog28]

wait for the cheque to arrive

[kerry1692]

hi this is my first post, i have just recived a letter back from alliance and leicester saying the charges were right and it is only credit cards that are wrong,so i have to start court proceedings and feel realy nervous about this,has any one got any advice thanks

[allen0601]

hi wonder if u can help im awaiting a call back from the bank now!!! not holding my breath regarding the charges and my next step will be the courts how much are we talking about to do this mcol?

[allen0601]

hi how much does it cost to do a mcol?

[nadirish]

It costs £120

[Sam Hammond]

Hi Nadirish,

 

Will I get the £120.00 back from A&L, along with my charges and when is it payable?

 

Thank you, I'm a bit worried about spending £120.00

[nadirish]

Hi Sam,

 

You will get it back from a & l alongwith the charges, i was hesitant about spending the £120 but it is worth it if you get your charges back, that's the way i look at it, you have to be in it to win it so to speak and if you have to part with the £120 it will be worth it when a and l pay up. xx

[chelseafan35]

Hi Robbie, well done on winning your claim against A&L.

 

I have just receievd an offer which is for all Unpaid Cheques, DD and SO's less £12 for each one!! They have not taken into account all the other charges as a result, like Monthly Overdrawn fees, Daily Overdrawn fees etc etc. My total claim was for £8460 and they have offered £3800, any advice on what i should do please?

 

By the way, the letter states that is NOT the policy of A&L to close accounts............however I have opened a parachute account with the nationwide just oin case.

 

Regards Phil

[darth spurz]

can you help.

I have just taken the bank to court and got £470 back.i thought that was the end of the matter but today 19 7 07 i

received a call from the alliance and leicester demanding i

pay them the money i won back to clear the outstanding overdraft..they had already closed the account before it went court.I only went overdrawn because of their charges.surely they cant try and get the money back i won???

please help

regards

lee moore

[ufo]

Hi

 

Alliance and Leicester have just settled our case and repaid both our Early Redemption charge and the administration fee. A & L said they would fight this in through the small claims court to which we applied but a week later sent us the full amount!

Thank you all for your help, especially the site organisers who work so hard.

 

Regards Lesm

[Angelten]

Hi

 

Would appreciate advice from anyone re taking on A&L. Put in a claim for over £3k they have come back with Final Settlement of just £500. Have now started claim through Omnudsman. Is it that they are now starting to not make large payments. What do you think my chances are of getting a settlement of over £2k.