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Ros v Alliance and Leicester *SETTLED IN FULL*


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welshcakes

 

No I dont think they'll give up as people will often still either give up or settle at the first offer, so saving them money. They wont just give in until they are told legally they have to.

Ros

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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b******ds have closed my acount from 11th April. Lucky I got another one, isn't it?!!

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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All & Pester have already been ordered to pay compensation for this. You need to make a complaint to All & Pester follow it through until you get a letter stating "final decision", then register your complaint with FOS who are not impressed with them to say the least .................. He who laughs last and all that .................

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

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All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Well I might just do that.

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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  • 5 weeks later...
Well I might just do that.

Hi i'm new to all this and amazed you got all your money back....well done!! Heard that they're one of the worst for digging in their heels. I'm claiming for £6831 excl interest but going to claim for that when time comes too. I've received a letter from them in reply to my request for repayment but got a big no danger from them!! Going to pursue but my problem comes taking it to court. As I live in Scotland I can only claim for £750 at a time and a lot of the courts now won't accept multiple claims. Been advised to go to FOS. If anyone else has had to go down this road would appreciate wee bit help. Too much money not to claim!!

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hi ya its maddie, can any one help me. can i claim my monthly over draft fee, and interest in some months i was only charged £5 AND £1.42 interest. some months over draft fee £25.00 and £2.16p interest. thanks

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no you cant claim normally claim the monthly overdraft fee or the overdraft interest - they are authorised charges by the bank for you having use of an overdraft.

You can claim returned direct debit/cheques etc.

 

suggest you start your own thread. Non-one will find you attached to mine.

Go to the bank charges front page, scroll down to whichever bank you're claiming against, click on it and start new thread.

good luck!!

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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you can claim unauthorised overdraft fees of 25.00.

But not the regular authorised fee of 5.00.

And not the interest unless the interest is charged as a result of being charged an unlawful fee.

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So what would happen if you haven't got an overdraft facility or only arranged one mid way through the re-claiming charges period of 6 years say and try to reclaim all the monthly OD charges? Anyone any experience of this? I've read of someone who was successful in re-claiming these charges, but I've no idea if they had an arranged OD facility or not.

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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sorry I dont know. Suggest you start your own thread where everyone can see your problems. not many people will see you attached to mine.

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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  • 3 weeks later...

depends on how much the claim is. I had to pay £120 for mine (over £3000) but its less for smaller claims.

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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Hi Ros,

 

Fantastic news that you beat them.

I am just about to file with the courts and the fee has come up as £120.00, do you have to pay this amount straight away? And did you get it back from A&L?

Also on reading your thread I notice that you can't claim monthly OD chgs, I have included this in my orginal letters to A&L, can I take them out now? Sorry another question can I claim unauthorised OD Chgs?

 

Thank you

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Hi Ros,

 

Fantastic news that you beat them.

I am just about to file with the courts and the fee has come up as £120.00, do you have to pay this amount straight away? And did you get it back from A&L?

Also on reading your thread I notice that you can't claim monthly OD chgs, I have included this in my orginal letters to A&L, can I take them out now? Sorry another question can I claim unauthorised OD Chgs?

 

Thank you

 

I've kept mine in ... seems to be debatable if you can claim some of these monthly OD amounts or not. As far as I'm concerned, A&L have never pointed out that these cannot be claimed, only that NOTHING can be claimed!

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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1. You have to pay fees up front - you will get them bck from A & L when you win - they should pay these with final amount.

 

2. Monthly overdraft charge - I understand from reseaching the site that the standard fees(shown as monthly OD charge) are not reclaimable. If you have an agreed overdraft you are actually borrowing money from the bank and they are entitled to charge you interest on it.

You can claim for unauthorised overdraft fees, returned debit and Standing Orders etc

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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Share on other sites

ps - if I'm wrong, please let me know and i'll put in another 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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  • 1 month later...

Hi everyone.

 

Im reclaiming my charges from A & L for just short of £1000. Ive got to the stage where Ive sent the letter saying that Ill take them to court.

 

When you say that you give them 7 days to reply, does this include weekends or just business days?....

 

Wish me luck!!! Ill let you all know of the outcome

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  • 2 weeks later...

Hi,I am going to court on the 12/07/07 against A & L for £1,200, they sent me a cheque for £347.00 for which i sent back , only 2 days left getting a bit worried about Thursday This is in Scotland and i have sent all the template letters from Martin's site this is been ongoing since Feb 07 has anybody been to court ? or do you think i will get a surprise in the post on Tues, or Wed, can anywon give me some advice please.

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sorry cant help here. Best you start your own thread so lots more people will see it. they wont find you attached to this one.

Click on the Alliance and Leicster link at the top of this page. Scroll right down the page and theres a new thread icon there.

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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