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Old A and L Account**won**


Delboy01
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I am also claiming for 2 closed accounts which have been closed 4 years. I have not received anything and 40 days is almost up. I know they received it as they cashed my cheque on 21st December.

 

From looking at these threads it seems A&L delay sending the statements until past the 40 days.

 

I think I might report them to the information commissioner!

 

Good luck.

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Thanks warrih, I hope not, and yes I would report them to the info commissioner, also write to them telling them of your actions and include in your bundle to the judge when you get that far

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 anyone else having problems confirming Signed for deliveries of SAR? with Alliance and l?

 

Did read somewhere A and L wont sign for individual letters hence the PO cant confirm delivery, we cant confirm delivery, and the A&L can deny delivery?????

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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Guest ian cognito

Think this may have something to do with the address being a PO Box number? didn't have any problem with mine though, are they denying delivery?

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http://www.consumeractiongroup.co.uk/forum/alliance-leicester/51067-old-l-account.html

 

Not I havnt spoke to them, but I appear to have a second "Signed for" letter now going missing.

I was wondering if it was me being "unlucky" :(

 

Maybe I should ring and ask? any one got their Cust Service No?

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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Ta they gave me another no 0845 300 3594 which I will try tomorrow ( closed today )

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 Delboy,

 

Did you send them a cheque?? I sent my subject access request off on 2nd January and they cashed the cheque on the 9th. Although they have not sent me anything at least I know they recieved it..

 

I have had problems with Barclaycard and signed for delivery, the post office could not confirm the delivery and barclaycard were saying that they had not recieved anything... ended up using special delivery service. I think this must be a common problem.

 

I like yourself do not have my account number, for A&L so have been following your thread, good luck!

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No Pamandal I sent Postal orders :(

 

Rang the number in post 5 there was nothing in my account notes

 

They did say howevever to send an SAR to

 

Mal Boyes

TCA3

2nd Floor OPS

Bootle GIR0AA

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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Spoke to them, no notes on old account

 

 

They did say howevever Old accounts will be dealt at, and to send an S.A.R - (Subject Access Request) to

 

Mal Boyes

TCA3

2nd Floor OPS

Bootle GIR0AA

user_online.gifreputation.gif vbrep_register("504469") report.gif

  • Confused 1

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 thanks for that.... I rang them today (please see my thread) and they have nothing on the system for me either. so I think I'll send a follow up letter to the address you have:)

 

I had just finished typing it up, so I will change the address now and pop it in the post.

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Guest ian cognito

Delboy, If you still have the receipts for the POstal Order, the post office will tell you if it's been cashed or paid into an account and if so where, I think you can also get a refund if you can confirm it has not been received by the addressee.

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Ta janquinny I have just sent compensation form for one of mine that went missing. I didnt realise you can track if a postal order has been cashed. It would be sooo nice to get a "thnks we are looking into it" letter tho i wont hold my breath

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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just I have sent all my letters via Royal Mail Special Delivery, it cost £4.10 for a standard size letter, but i have had a signiture for all the items, I would recommend anyone use this instead of recorded. I used to work for RM, and the Recordeds just go with the ordinary post, unlike SD which are handled seperately.

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No Pamandal I sent Postal orders :(

 

Rang the number in post 5 there was nothing in my account notes

 

They did say howevever to send an S.A.R - (Subject Access Request) to

 

Mal Boyes

TCA3

2nd Floor OPS

Bootle GIR0AA

 

Hi Del, If you don't mind me asking, how did you find out if your postal order had been cashed?

I'm just of the phone to the royal mail to check if mine had been cashed but they state they can't tell me anything! Instead they said I need to go to the post office to fill out a claim form?

Think I've been given the run-a-round here! :sad:

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Guest ian cognito

Yes sorry, you do have to fill a form in available at the post office or I think there's an address on the website you can write to with details.

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Cash I havnt tracked whether a postal order has been cashed or not someone else said that was possible....

 

http://www.postoffice.co.uk/portal/po/content2?catId=20000202&mediaId=3100051

 

is for filling in online if your "recorded signed for" is untrackable, I personally got a form from the post office as they do require proof

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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A&L, like a lot of the bigger firms, bulk sign their recorded deliveries with a dated stamp, when I rang RM they emailed me a page of about 20 'tracking numbers' (with the dated stamp across) one of which was mine and I printed this off for proof of delivery :)

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Hi, I posted my prelim letter on the 10th January 2007, recorded delivery. Sent it to the Bootle Address. Rang PO many times and continued to check the online tracking they promote. To this day the PO have no record of the letter being signed for. I did receive a reply to my letter from the A & L saying bog off basically.... now sending LBA tomorrow!!!!

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Recieved yesterday all the requested statements and breakdown of manual interventions.

 

I need to know FOR CERTAIN which of the following I can Claim:-

 

Failed Direct Debit Charge

Monthly OD Charge

Interest

Failed Cheque Charge

Unauthorised Daily OD Charge (Days at £3.50)

Paid Item Charge

Overdraft Arrangement Fee

Early Settlement Fee (at close of account)

 

As many opinions as possible please

 

Ta Delboy

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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Recieved yesterday all the requested statements and breakdown of manual interventions.

 

I need to know FOR CERTAIN which of the following I can Claim:-

 

Failed Direct Debit Charge

Monthly OD Charge

Interest

Failed Cheque Charge

Unauthorised Daily OD Charge (Days at £3.50)

Paid Item Charge

Overdraft Arrangement Fee

Early Settlement Fee (at close of account)

 

As many opinions as possible please

 

Ta Delboy

 

Failed Direct Debit Charge YES

Monthly OD Charge YES

Interest Depends if unauthorised (sometimes referred to as 'purchase' rate) then yes

Failed Cheque Charge YES

Unauthorised Daily OD Charge (Days at £3.50) YES

Paid Item Charge How much & what?

Overdraft Arrangement Fee Please explain?

Early Settlement Fee (at close of account) Please explain Did you have a loan other than an overdraft?

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Interest Depends if unauthorised (sometimes referred to as 'purchase' rate) then yes (seems to be a monthly variable amount on amount over od limit? Unauthorised I suppose? no prev agreement to go over)

Failed Cheque Charge YES

Unauthorised Daily OD Charge (Days at £3.50) YES

Paid Item Charge How much & what? (£25 each on Guranteed cheques?? im guessing)

Overdraft Arrangement Fee Please explain? (Fee for increasing overdraft amount)

Early Settlement Fee (at close of account) Please explain Did you have a loan other than an overdraft? ( No seems to be a fee charge to close my account?? Only a tenner but??)

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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Interest Depends if unauthorised (sometimes referred to as 'purchase' rate) then yes (seems to be a monthly variable amount on amount over od limit? Unauthorised I suppose? no prev agreement to go over)

Failed Cheque Charge YES

Unauthorised Daily OD Charge (Days at £3.50) YES

Paid Item Charge How much & what? (£25 each on Guranteed cheques?? im guessing)

Overdraft Arrangement Fee Please explain? (Fee for increasing overdraft amount)

Early Settlement Fee (at close of account) Please explain Did you have a loan other than an overdraft? ( No seems to be a fee charge to close my account?? Only a tenner but??)

 

Interest Depends if unauthorised (sometimes referred to as 'purchase' rate) then yes (seems to be a monthly variable amount on amount over od limit? Unauthorised I suppose? no prev agreement to go over) Then its a penalty charge & recoverable

Failed Cheque Charge YES

Unauthorised Daily OD Charge (Days at £3.50) YES

Paid Item Charge How much & what? (£25 each on Guranteed cheques?? im guessing) recoverable Overdraft Arrangement Fee Please explain? (Fee for increasing overdraft amount) How much for what they will claim is a service

Early Settlement Fee (at close of account) Please explain Did you have a loan other than an overdraft? ( No seems to be a fee charge to close my account?? Only a tenner but??)

They could probably justify that
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Sorted Jon, the items I cant or might not be able to claim for amounts to £40, the rest which I can amounts to £1150 plus interest..

 

I happy with that !!

 

I can now go to bed after me night shift, happy as a pig in @@@@

 

Thnx once again

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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You can collect:

 

Failed DD charge

Failed Cheque charge

Unauthoriseed Daily OD charge

Paid Item Charge (if this is where they have cleared a payment when you were overdrawn)

 

You can recover interest on the charges above as well - as I assume this is a bank account then dont worry for now - it will be later in the process.

 

The o/d arrangement fee, interest and o/d fee are for a "service" that they provide and are deemed lawful

 

I have only ever seen early settlement fees on mortgage/loan accounts - then it would depend on the quantum (the FSA have just started to tighten up on this) - how much is it for?

 

Hope that helps

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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