ME v Alliance and Leicester

[kevvy1]

Hi all,

 

Considering chasing my charges by A+L but not sure if possible.

 

Opened account with them for about a year and they closed the account after they found out i was in an IVA. I had charges in the period (probably about £500.00) from memory but not sure as account now closed can i chase.

 

I have account no etc so can do the deed if required

[kfdh1962]

Hi Kev,

you can still claim back charges even if the account is closed. As long as the charges occured within the last 6 years then no problem.

 

good luck

 

kev

[kfdh1962]

PS .... read the FAQ's , all you need to know is in there

[kevvy1]

Thank you mate first letter with fee will go out tonight

[kevvy1]

right got back statements today and what looks like the details of time spent by bank on charges ICANNOT believe the charges £1311.00 in 6months i will send next letter now heres hoping

[kevvy1]

Request for ppayment sent together with schedule

[kevvy1]

my worry is thay have sent me a load of sheets with statements that seem to suggest that they are responding to request for manual intervention with relate to the charges or does everyone get these as well?

[kevvy1]

can you tell me if this is usual anyone?

[kfdh1962]

Hi Kevvy,

not sure exactly what you have on these statements, If there has been manual intervention, which i would doubt, then they must specifically state that. Even if it does, they would then have to prove by accurate, auditable and quantifiable means that this manual intervention was equal in cost to the charge levied against you .. The banks and credit card companies will not be keen to do this as it will prove what we all know already, that they are overcharging!!

[kevvy1]

right got letter back with response charges are far etc etc so sod off. Sent LBA this morning

[kfdh1962]

yep...standard bog off letter we've done nothing wrong send the LBA letter. they will probably reply to that with heres a £100 good will payment now get lost. that seems to be there normal pattern. They did that on both my accounts MBNA and A&L (a&l is operated MBNA).

go get em kev

 

 

 

kevin:)

[kevvy1]

Lets hope so its been pretty straight forward so far but i suppose its not yet begun LOL Just one question with regard to the next stage is it 14days or 14 working days:mad:

[kfdh1962]

Kevvy,

generally leave it 14 days in order to allow reasonable time to reply or take action. If they have replied to your preliminary letter within that time frame, then no need to wait any longer go ahead and send the LBA straight away

[kevvy1]

if i get response saying no way before 14 days surely mcol can be done immediately. Also how do you attach breakdown and interest breakdown to the claim online.

[kfdh1962]

Kevvy,

generally leave it 14 days in order to allow reasonable time to reply or take action. If they have replied to your preliminary letter within that time frame, then no need to wait any longer go ahead and send the LBA straight away

 

hi kevvy,

yep, as i said, if they respond within the 14 days then go straight to the next step .

so if you have already sent the LBA and they have responded with the usual get lost reply then go straight on to the money claim

[kevvy1]

Right i have received second Bog off letter today can you tell me if this is usual as it reads

 

The OFT has commented that they consider the level of late payment charges to be unfair, however they were actually refereing to late payment fees for credit card payments only which are quite distinct from a banks charges on current account.

 

They say the cannot accept that i have been unfairly charged.

[kfdh1962]

Hi kevvy,

standard bog off letter. At no point in the process do they admit any wrong doing. Even when they pay up, which they will, they will still state that their charges are fair, we have done nothing wrong blah blah blah.....

straight to the money claim then... go get em:D

[kevvy1]

ok mate thanx for help just one question was going to MCOL but there is no way of attaching your spreadsheet for costs do you not send it just the breakdown on the claim form

[kfdh1962]

Yep, just the breakdown on the claim form is all you need right now. A&L already have your schedule of charges, if it gets to the allocation questionaire then you can attach it then. If they do as they did on my claim and my MBNA claim (same people , MBNA) they will pay up when their response to your money claim is due back to the court and submit their defence that the claim is paid in full.

[kevvy1]

sorry again mate but just thought it was a joint account should my claim be joint with my wife thats how AL have addressed thier replies

[kfdh1962]

Hi Kevvy,

not sure about that one mate, sorry.

[kfdh1962]

might be worth a quick call to the local county court just to ask the question

[2hapennys]

hi Kevvy

Mine too is a joint account, but when I filed the mcol i put it in my name only, apparantly this is ok.

[kevvy1]

i have changed my mind i printed out the forms and took 3 copies to the court and got same advice from them. paid them in cash and took the 3 copies in they were good. Probably me but just felt better handing them over and knowing they have them

 

Well heres hoping must say im very very unsure i will reeive any monies back.

[jansus]

best of luck- I would say by reading A&L threads compared with other banks you have a better chance than with other banks.

 

I will watch with interest. (no pun intended):grin: