Alliance and Leicester/mbna.

[BankFodder]

Call them often. Get names each time.

Get to speak to managers.

never accept a promis to call you back. If you do then you have relinquished control

[money]

Yeah, that's what i thought. I will call again at 10, maybe before. They hadn't called back within 1/2 hour yesterday so i made my husband call them back. I am sure they are using the time to come up with excuses.

[money]

Yeah, that's what i thought. I will call again at 10, maybe before. They hadn't called back within 1/2 hour yesterday so i made my husband call them back. I am sure they are using the time to come up with excuses.

[BankFodder]

get a fax number and a name and fax them a copy of the letter to that name so that they can see it.

The call them and confirm that they received it.

[BankFodder]

get a fax number and a name and fax them a copy of the letter to that name so that they can see it.

The call them and confirm that they received it.

[money]

He's just called back, before 9am!!

Basically he will copy the ones they are using anyway and post them within the next 7-10 days, at no cost. He did say that normally the customer would have to pay but as they are using all the details to assess the complaint it won't take much to copy them and post them out to me.

He said it will be in a different format to usual statements, i said as long as there is a date and amount for each then it's ok. I can work out the 8% interest then!!

 

I just have to be patient now don't I?

[money]

He's just called back, before 9am!!

Basically he will copy the ones they are using anyway and post them within the next 7-10 days, at no cost. He did say that normally the customer would have to pay but as they are using all the details to assess the complaint it won't take much to copy them and post them out to me.

He said it will be in a different format to usual statements, i said as long as there is a date and amount for each then it's ok. I can work out the 8% interest then!!

 

I just have to be patient now don't I?

[Bookworm]

I am sure they are using the time to come up with excuses.

 

A healthy amount of cynicism. Very good

 

Just think of it this way: if they are so keen to avoid talking to you, you must have them worried

 

xxx

ML

[Bookworm]

I am sure they are using the time to come up with excuses.

 

A healthy amount of cynicism. Very good

 

Just think of it this way: if they are so keen to avoid talking to you, you must have them worried

 

xxx

ML

[money]

I am shaking now. We have a limit on our credit card of £2,400 and due to the charges it has gone up to £2,600. tried to make a payment 2 night ago, nobody was there that could cancel the last 2 months charges and the next 3 months charges, so haven't got round to paying yet.

 

Anyway, Alliance and Leicester just called me, right shirty mare too. Asking for minimum payment that i could give her, which I told her is about £40, she said that's not enough, it has to be 63 odd to be able to cancel recent and future charges.

 

I explained we are struggling a bit now, and then she went off on one telling me, well you spent the money until December etc etc, I tried to justify it. She was then telling me if you don't pay minimum you will get more charges again and it'll just get worse, I explained how skint we are until next month as we have just paid a computer off, well if you can buy a pc then you should be able to pay this blah blah blah!!

 

I told her that I am hoping to get charges refunded and we will then get straight, she staterd to tell me that I would never get them back, what makes me think I will, don't believe all you read in the papers etc.

 

It has started to make me doubt whether I will get anything back. I wish I'd not answered the blooming phone now.

 

I wish they would just stop charges until we are back under our limit but they won't!

 

Sorry, rant over!

[BankFodder]

Sorry that you are having such a bad time.

 

I think that you should insist on getting the name of anyone who calls you. If they refuse to give it to you then refuse to talk with them

When you get the name, make a note and then still refuse to talk to them.

Don't get drawn into a conversation.

If the harrassment continues then call the phone company and also the regulator and ask what can be done to stop nuisance calls of this kind.

have you checked the T&Cs? have you given them permission to call you?

[money]

I don't mind them calling when I have the money to pay.

 

I do get all names, I did also get her work mobile too. The call has just left me a bit negative about whether or not it is worth pursuing. She seemed nice, just got a bit narked that I couldn't give her the payment she wanted and then threatened more charges if i can't pay today, which I can't. So more charges.

 

Should I call the assessment place to see if they can do anything while they are assessing the claim? I could explain that the charges won't be correct when they send them to me as I have just been threatened with £50 more charges next month (25 over limit and 25 late fees)?

 

I wish I had the confidence to follow this through, but feeling a bit negative! Damn, I was doing so well.

[BankFodder]

Best not to discuss. Just wait.

You could send them a chase letter about the DPA request.

 

Stick with it. They are putting you through your paces, that's all

[money]

I have just had a phone call from a and l.

 

We started off the discussion about the credit card limit and how are we hoping to pay etc, I explained nicely that of next month we will be better off. I explained I want to clear the balance by the end of this year. Then we came to the subject of bank charges. My balance just now is £2581, limit of £2400. We started talking about what would be acceptable to me. I said that I don't have figures so i don't know until they send me the list, i guessed it would be £500, which it is. He said that things are changing until the OFT announce the new guidelines, I presume that's why there is a lot of stalling going on now. Anyway, he offered to take my account down to 2300, I said no but I will be happy with 2200, he said that's fair!

 

I am happy with it, I 'know' I could've got more if I went to court etc but to be honest this is a decent outcome, my credit card bill gets reduced and I don't have the real worry of having to go to court. I have got 380 odd pounds back, more than I had a week ago.

 

I hope I haven't let anyone down by 'wimping' out!

[BankFodder]

You have to do what is right for you. If you feel that on balance you have achiveed something then good for you.

 

This site is not only about suing people. It really is about giving customers a slightly better chance

[money]

Hello again. Something didn't feel right after I received the phone call and 'offer' of refunded charges the other day. At the start of the call I was told he only had access to 12 months charges then he asked how much i thought I had been charged, I said maybe about 500 he said yes, 505 over the years. Later that evening I started kicking myself thinking what if the charges were more etc etc.

 

I have just called them and said I still want the DPA requested list of charges within the original 40 days. The poor bloke kept saying I can't answer for anyone else, he will email the people that I have spoken to lately and get them to call me back.

 

I told him I want the list so I can check that I am being refunded the correct amount as I accepted on the understanding that I had only had £505 worth of charges. I wil then insist on 100% of anything above that figure.

 

Am I still entitled to the DPA requested list? I presume so, just need to clarify.

[richardc]

Yes. It is your right.

[money]

This topic was closed on 03/05/19.

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