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Junklunacy v Alliance & Leicester


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Hi All, This is my 2nd thread for claiming back charges. My first is junklunacy v Barclays which is currently at MCOL stage and awaiting Barclays defence.

 

With regards my A&L claim I have sent my letter for repayment on 30/12/2006 for a total of £746 excl interest. I will be giving them 14 days before I send them another letter and then a further 14 days. If i don't receive the FULL amount after this time I will be paying MCOL another visit as I have done against Barclays. End date for A&L to pay me in FULL is 27/01/2007.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I've received a fob off letter from A&L. They comment on OFT comments on late payment charges and that they were actually referring to late payment fees for credit card payments which are distinct from bank charges on current accounts bla bla bla. So another letter is on the way to A&L setting timescales for my demands etc..etc.. This WILL NOT DETER ME!! Nor should this put off any other people who receive similar letters from their banks. We must NOT let them put us down or detract us from our main objective - getting OUR cash back!!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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me and helemn received exactly the same letters today from a&l...i have already sent LBA to them...up theirs...........still waiting from Capital One statements and Barclaycard said that they will charge £3 per each statement i require and i needed 6 (as all the rest of them i have) and they have only charged me £3 for the whole lot....strange

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Sent A&L a letter on 8/01 to basically remind them that i'm serious and the timescales they have to meet my demands. A fob off letter will not wash here. Looking forward to their next letter.

 

Follow my claim with Barclays here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Received a letter from A&L yesterday 12/01. They've had the 'opportunity to review why the charges were raised and considered my comments', yea right! Again they have said the charges are in line with other organisations and supplied a phone number and web address to fix all my 'problems'. These guys are heartless but not unexpected. I will be posting another letter prior to their deadline one last time and if that fails MCOL here i come.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Guest ian cognito

It would appear you have to file a claim before they will pay out, but pay out they will, I did mention to the court when withdrawing my claim that they without fail say they will defend the cliam but have never yet done so, lets hope the courts are now taking some notice!

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I am prepared for court so as soon as the timescales I've given them elapses I will be visiting MCOL.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Hi

I've received the same letter from A&L as follows

' commets of OFT were referring to unfair credit card charges and had nothing to do with banks.'

 

they did not accept they I had been unfairly charged and couild not agree to my request for a refund of charges.

 

This was after my preliminary letter from library which already sets out timescales. Can I now send LBA as they have replied, even though its less than 14 days?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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Personally i would stick to your timescales 14 days and another 14 days. It means if you do go to court you can say you gave the bank adequate time to deal with your case. I sent another letter after the one you received saying that i wasn't happy with the standard repsonse and that i will be submitting my claim on MCOL when the time comes. To bait them more i will remind them what I'm doing 3-4 days before I do it. Again it gives them time to reply and I'm still sticking to my timescales. In this case they have until 27/01 to give me my money otherwise i will be visiting MCOL.

 

You can view my other claim with Barclays here

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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thanks for that. I will send another letter like you and repeat timescales etc.

Thought a LBA was the next step?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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These are letters before action....until i either receive money in full or i submit my claim online.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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  • 2 weeks later...

I've received a 3 rd letter from A&L basically saying bugger off. I've given them more than 28 days to deal with my complaint satisfactorily but to no avail. I'm currently due in court next week for my claim with Barclays see here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html so as soon as that is sorted I will be filing my claim with MCOL against these people!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I have had an acknowledgement from A & L to my LBA letter saying thy are looking at it and will contact me idc. Will only wait theoriginal 28 days before I do a claim

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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I've received a letter from Barclays offering to SETTLE IN FULL :D see here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html So A&L i'm coming for you....:) MCOL will be visited in next day or so!!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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  • 2 weeks later...

I put my claim in to court last Thursday (7th Feb). I had a letter today offering me charges claimed plus around £200 (£1911). I have claimed £3342 with interest and actual charges are £1769. I think this letter crossed with the small claims notification.

I do not intend to acept it and will tick out for whole amount.

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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How are you doing with your claim?

 

I have now had letter of acknowledgement of N1 and they are going to defend.

Have you heard anything yet?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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I've received my acknowledgement from the court. AL have until the 4th March to defend. I expect the same Barclays delaying tactics...offer 2 days before the court appearance...:)

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I had confirmatio from Alliance themselves today they will defend They got 28 days so I make it 15th April.

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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They are going to defend my claim. I am posting a letter detailing schedules to MCOL and A&L which i meant to do after I submitted my claim on MCOL. I am putting my AQ together now which will be the new one which I used against Barclays.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Guest ian cognito

I really wouldn't waste too much time on this if I were you, at the moment your time will be better spent reading the the A&L success threads and dusting off your paying in books.

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More than enough of my time has been spent reading threads on this forum and I've been through the process with Barclays. What else do you think I can learn from reading more blogs saying I've won I've won bla bla bla....?

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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