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Omicron v A&L

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First of all, thanks for a great site. With any luck it should be guiding me on my way to getting £175 back off Alliance and Leicester.

 

So far I've issued a Subject Access Request to the bank, using the form letter provided on the site. I included a £10 cheque, which they appear not to have drawn yet (yay!). In return for this, a hefty envelope full of statements appeared through my letterbox (on about the 38th day - just in time for me to forget about it over xmas.... I think not).

 

So I waded through and added the charges up on a basic Excel sheet (really should have used one of the interest calculating ones on the site, but hey). Total charges for paid items, unauthorised overdrafts, etc came to £175 (7 @ £25). Interest on the overdrafts came to about a pound, so I'm not bothered about that.

 

I've just used the Initial Request form letter to send my request for the £175 into them, and we'll see what happens next. I adjusted the first deadline from 14 to 30 days, seeing as Christmas is a good excuse for them not to do anything about it.

 

So that's in the post now, and we'll just have to see what happens next....

 

Merry Christmas folks

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Hi Omicron

Welcome to CAG.

Good luck with your claim.

Nona


[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Hi Omicron

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 

  • Confused 1

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks for the welcome and the information.

 

I've had a good read round the site, and am pretty familar with court claims, although not s the claimant (very long story, don't ask). So with the information that's on here already, I'm quietly confident.

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Thats good to hear.

Theres no need to give them 30 days though.:rolleyes:


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Your posts moved into A&L bank group:)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thats good to hear.

Theres no need to give them 30 days though.:rolleyes:

 

What can I say.... It's Christmas and I was feeling generous. I'm in no real rush for the money, I just want to score a point off them. So I thought I'd pre-empt what would be an obvious excuse for not getting back to me. Also, in the worst case, it would probably look good that I was accomodating to them, should it go to court.

 

Your posts moved into A&L bank group:)

 

Thanks for that, a hello sort of wanderred into conversation :)

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Just had the standard "go away, the OFT weren't talking about our current account charges being unfair" letter.

 

If you would like to see it, please click the link below (missing section off the top is just my personal details and reference numbers).

 

http://www.omicronrobot.co.uk/forums/cag/refusal1-no-heading.gif

 

In other news, dormant account at Natwest brought back to life (really ought to pay off that interest free overdraft they gave me 4 years ago and have never mentioned since), for parachute purposes. That way if A+L don't want a 4 figure sum of my money sat in a current account with them, they'll get a none-CAG template letter back from my correspondace secretary Vicky Pollard saying "Am I bovverred?" :)

 

Next job: LBA: To be sent 20/01/2007

 

This is all very exciting isn't it?

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LBA despatched.

 

Next job: Issue claim 03/02/07

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Since I wasn't happy with their initial f-off letter, they were sent a LBA. They've just written back with the following reply to my complaint:

 

http://www.omicronrobot.co.uk/forums/cag/refusal2%20%60no%20heading%60.gif

 

And a rather handy leaflet about their complaints process:

 

http://www.omicronrobot.co.uk/forums/cag/complaint%20leaflet.gif

 

Effectively, they seem to be putting the ball in my court. In my LBA, I stated I would proceed without further notice, so the next thing they're getting is a claim.

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