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junklunacy

Junklunacy v Alliance & Leicester

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I am in the same position.

 

Looking back over my account over the last 2 years A&L have charged me £100.00 (4 x £25.00).

 

A&L have already as a “gesture of goodwill” refunded £50.00 of the charges.

 

I asked them nicely to replay the other £50.00, and then sent them a letter on 30/01/2007 and I got the standard letter on 01/02/2007 saying

 

“I have now had an opportunity to review why the charges were raised…” etc

 

I wrote back on the 05/02/2007 confirming I was unhappy and stating what the interest would be, sending again a full schedule of charges and interest.

 

A&L wrote back on the 07/02/2007 saying

 

“I have carefully considered the circumstances…” etc

 

So on 14/02/2007 I issued a claim for £52.23 via MCOL, giving A&L till the 05/03/2007 to reply.

 

On the 16/02/2007 A&L filled an acknowledgment on which they are “intending to defend all of the claim”, and they have until 05/03/2007.

 

 

Is this just a standard tacktick?

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Guest ian cognito
What else do you think I can learn from reading more blogs saying I've won I've won bla bla bla....?

 

Probably that they always acknowledge, always say they will defend and always send a cheque out about 1 1/2 weeks later, so perhaps you haven't read enough threads in the right places?

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Most banks fall over at some point from here on in but for my piece of mind I'll keep up the pressure with my paperwork :)


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 - I will keep you all posted

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I've received a letter from AL offering to settle. However the total amount doesn't include the £80 court fee. I will be cashing the cheque (once cleared) writing a letter accepting it as partial payment. I will also be informing the court of this development.


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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BTW they mentioned nothing about confidentiality agreements, although they did say like the others that there is no admission of liability and that my account would be reviewed since I did not accept the banks terms and conditions.


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 WON!!!!!!!!!!!!

Received my cheque from Alliance today!!!!

Whole amount £3463.82.

Hope you get yours soon


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 won too - £82.57 although A&L are closing the account!

 

Off to the Halifax.... letter sent to FSA

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Well done Ros2710!!!

I have cashed the cheque from AL, however I sent them a letter and the courts saying AL still owe me £80 for the court fee. Still waiting for that however I am still going to start a judgement via MCOL if I don't receive anything back from AL by the end of the week!!


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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Go for it Junklunacy - £80 is neither here nor there to A&L! They are just being petty by not paying it!

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Received a letter today from AL saying they are going to close my account in 30days and that any overdrafts should be paid by this time. If after this time i'm unable to make full and imediate payments they can accept repayment proposals. Although doing this may result in my 'situation' being registered by a credit reference bureau. Can anyone advise me on this as I have no plans to pay £500 odd straight away and will gladly enter into a repayment plan?

NB Still pursuing them for the £80 court fee!!


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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Did you open a parachute account when you started all this, junklunacy?

If you did (which you should've cos it's one of the 1st things we recommend), and it has o/d facility, just ask them to transfer the o/d for you. :cool:

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Yes I have an account with Barclays even after winning my claim with them and will transfer to this if I have to. I just wanted to know my position.


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 today from AL saying they are going to close my account in 30days and that any overdrafts should be paid by this time. If after this time i'm unable to make full and imediate payments they can accept repayment proposals. Although doing this may result in my 'situation' being registered by a credit reference bureau. Can anyone advise me on this as I have no plans to pay £500 odd straight away and will gladly enter into a repayment plan?

NB Still pursuing them for the £80 court fee!!

 

Firstly (from experience) it is not worth the hassle. Pay £500 in to settle the O/D. By doing this you prevent (even if it gets corrected later) any problems with your credit file. (what was the refund amount you got back from them?)

 

Next thing you need to do is write to the FSA and make a complaint about the way in which A&L are treating you.

 

Other than that there is not a lot you can do - I did the same and it's good riddens as far as I am concerned...

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I will pay the o/d back but I am definately irrate about AL treatment and will be glad to end my banking with them and will draft a letter for the FSA. To date I have received £832 from them which excludes the court fee.


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 took them about 2 months to close my account even tho' I paid back the overdraft as soon as I got my charges refunded. I noticed they kept my savings account open, I'm gonna keep that £1.41 in there and see how much its worth when I retire!!!

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AL have still not paid me the £80 court fee!! They sent me a letter saying they will look into my complaint!! What complaint!!! I'm sending off my AQ to the Leeds Court and AL today. Hopefully this will speed up the money men at AL.


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

Have they paid the 8% interest? (sorry couldn't see it in the thread), they omitted to pay it in my refund but credited it to the account once I pointed out their 'error'

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They paid me the charges and interest but failed to include the court fee even though it was made clear to them what the FULL amount was.


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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Just out of interst on this one, does anyone out there with any legalese know if Junk could take them to court to get these missing court fees paid?! :cool:

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I am continuing with my claim to get the court fee. AL hasn’t replied since I sent the AQ which the end date for submission was today. I expect a court date shortly.


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 letter from A&L saying that they have calculated my claim and have now paid the interest they failed to pay me. However they paid me the interest and charges and NOT the court fee. Anyway I'm £5.16 up on the overall amount so matter now closed! I have to check my account though as they were to close it at end of last month and that's were they were going to pay the money in to.


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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Have checked my account and taken out the money. Took a while but I have got ALL of my claim back. I am a bit miffed that the court has not been in touch as i haven't heard anything from them in weeks. Anyway i'll be posting a letter to them to formally close my case.


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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Well done, junklunacy, u got there in the end. Just the loose ends to tie up - the letter to the court - then you can enjoy the satisfaction of winning. :cool:

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