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lesley. V. A&L **WON**


lesh45
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hello all.

 

i have just sent my first letter to the A&L 2 days ago. but i did a silly thing and didnt send it recored delivery, should i send another to be safe..

my bank charges have left me with no money at all.and iam on benifits. because i am disabled. i have now got to the point that some of my direct debit companies are threatening me with baliffs.. wow what a nice bank the A&L are. my bank charges (OVER CHARGES) must be up in the £4-5K easy. 2 months ago i sent a letter to the bank ombusmen, what a waste of time that was. he/she was no help what so ever.

 

all i can say is good luck to everyone.

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  • 3 weeks later...

Hiya Everyone :confused:

 

sent out first letter to A&L on the 3rd January 2007. still no reply from the A&L. the cheque hasnt been cashed either. not to sure what to do now ?.

whether to send a reminder, and that their dead line day is 13th February 2007 .

 

saw local M.P on the I.T.N News this evening. ( Mr Matthew Taylor )

 

He told the houses of commons that the bank charges were wrong.illegal, and putting poeple into deeper debt. how right he was..lets just hope they listen to him, and not let his words go to a deft wall.

 

so i might say blow it and send a reminder, cant do any harm.. can it !

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Hi Les.

 

To be pedantic, the MP had got it wrong...... it's not illegal, it's unlawful.

 

Regarding your SARs letter, the bank has 40 days in which to comply, so there is plenty of time yet. If you have not received them at 30 days, then write to them and remind them that their time for compliance is running out.

You could, however, ring now just to confirm that they have received it.

 

Use the time while you are waiting in reading the FAQs and the step by step guide. Also, read some of the longer threads in this forum, to get a feel for the action.

 

Good luck.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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hiya everyone.:-)

 

i have say... reading this FAQ for hours now, and i am amazed how many people are suing thier bank. not meaning to sound selfish. but it is a nice felling to know that you are not alone... and thanks to everyone for their support and keeping me on the right tracks with the A&L.

 

good luck to everyone. and keep fighting !

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i have been online to print of my bank statements, ( as i havent heard a thing from the A&L ) and i found that they only go back for 6 months. i really need to get hold of the 6 years statements inorder to work out in full how much to reclaim . if the A&L dont send me everything that i asked for in the SAR letter. what else can i do in order to get these.

 

many thanks.

lesley

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follow the instructions sticky

issue LBA after 14 days, keep to YOUR schedule, do not let them waiver you.

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If they don't comply with a Data Protection Act SARs letter within 40 days of receipt, then you can report the non-compliance to the Data Commissioner's Office.

 

Leave it until the remaining time is down to 7 - 10 days and write to them reminding them that they still have not complied with your SARs, and if they do not comply fully then you will report their non-compliance to the Data Commissioner's Office and also will consider an action against the bank in the Small Claims Court for non-compliance.

 

Regards, Rooster.

  • Confused 1

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  • 2 weeks later...

well this has happened to me so far. i paid the £10 to A&L. that was cashed on the 10th January 2007. but still i havent heard a thing from them, not even the usual blog letter.

 

what do i do if i dont get a reply, even thou the cheque has been cashed. what is the next step forward. their 40 days are up on the 13th February 2007.

not to sure if this is good or bad because i havent heard a thing..

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Mine came through on day 38. I followed then with a request for refund along with list of charges giving them 14 days to respond. I got a standard p.... off

letter back in 3 days, today I'm off to file my claim.

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I think your 40 days are up on the 19th Feb. You have to be patient, they will keep you waiting but they will come eventually.

A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.:D

MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug.:confused: . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct:D

CCA sent 1st Credit 11th August, reply 15th Aug

Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.

Still to come: Cap. One, Time retail, HFC Bank.

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sorry for this.. i have sent my first letter, (access request letter ) at long last i have had a reply and the A&L have sent me all my bank statements for the last 6 years...

i know i have to do a spreed sheet, calculating all the charges, NOT THE INTEREST at this point. but which spreed sheet do i use, and which is the second letter i send with the spreed sheet.

i found the preliminary approach letter ( is this the second letter to send giving them 14 days to reply. ? )

 

folloed by the letter before action..

sorry for this but i am really lost at the moment. and looking at the spreed sheet. wow ! what a head ache... :-x

 

thanks for ll your help ! lesley45.

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I would suggest that you spend a few days reading the FAQs and the step by step guide in the library section. You will find the answers there.

This is a self-help forum and it is important that you do your bit.

 

Regards, Rooster.

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hiya all

 

just to let you know i had a letter back from Matthew Taylor MP my local mp.

 

the letter dated 29th january 2007. said.

 

Many thanks for your e.mail, I am glad to hear that you are taking action to get bank charges returned to you.

 

I hope that you pursue this all the way and good luck. i am awear of the consumer action group website that try to help in this regard.

i hope you will let me know of the out come.

 

 

which i intend to do once every has finished.

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Send S.A.R - (Subject Access Request) and wait for statements

Get statements and make up a schedule of your charges you intend to claim back, send a copy of this with prelim letter and wait 14 days

after 14 days has passed send lba with another schedule of charges.

14 days later start legal action.

 

 

good luck.

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use the excel spreadsheet in the templates by vampiress if you fill in the first page starting from the oldest dated charge and the 8% interest is automatically worked out for you

good luck

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Hi

 

how are you getting on?

 

I am still waiting for my statements but have done lots of reading of all the threads on all banks which helps.Are you ok with FAQ as on another thread I found a list from a high user of the site. I thnk I saved on a thread and could send it to you if you want.A&L fined today for closing an account in retaliation!:oops:

 

best of luck

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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well it is all go now as i am sent the second letter to the A&L. giving them their 14 days to return my money. . awaiting their rely of course.. have'nt had it yet, sent the letter 5 days ago. and i'm counting.... LOL..

 

will keep you all inform as i go along. and good luck to everyone else.

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well i have sent the perliminary letter on the 6th FEB 07.. got a reply basically saying "sod off" and how the OFT has said nothing about bank charges, it is to do with cradit cards. not overdraft or unfair charges.. which made me laugh a bit when i read it..

 

now giving them 14 days from the date of their letter then i intend to send the LETTER BEFORE ACTION.

 

can i also add the charges that were taken in FEB which was for £100 or do i have to do a sperate claime.

 

many thanks les45

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