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Jan v A&L won 24/8/07 - in spite of stay!


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:? Great - I think I have started a new thread! Hope it is in the right place.

 

Have just sent first letter to A&L for details of charges for last 6 years.I have a parachute account with Cahoot (with whom I have had no problems)

 

My account with A&L was mainly for DD only for bills - but due to an error on our behalf went slightly over the OD limit next thing I know three charges of £34.00 for failed DD - even though my husbands salary is paid in on regular basis.Then it takes days to trf the money over for the DD and the charges.So it becomes a vicious circle.This has happened before and we have just paid up without argument and after seeing publicity for this site I have decided to take things further.I had asked for a temporary OD increase (while transferring money )and was refused and they mentioned an adverse credit rating? Cant see how this is the case as we have just had a large increase on mortgage granted - so they would have done thorough checks. Doing my own credit check anyway as thought it would be useful as amunition if A&L slap something on as a result of my action.I will update when I get details of charges.:)

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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Hi and welcome!

 

Well done for taking the first steps. A+L will take you to the wire before repaying, they did with me! If you find that they have entered a default or the like on your credit report, demand that they remove it as it was due to charges levied by themselves.

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

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Just a quick question.I am doing my homework and reading lots of threads.If I find one with helpful info how do I save it as a favourite? Is that the same as subscribing to the thread? I am understanding preparation and research a lot better - but finding posting/threads etc a bit harder to understand!It must be my age:o

 

getting the hang of this now -

 

wish I had sent SAR recorded if dont get reply soon or cheque cashed I will send again recorded.

 

ONLY MISTAKE YOU MAKE IS ONE YOU DONT LEARN FROM:rolleyes:

 

confidence up now and want to get started:smile: Especially now A&L penalised for closing accounts:cool:

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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Easiest way of doing it is, look at the bar at the top of the thread, and click on Thread Tools. That will allow you to subscribe to that thread. You can choose when/if you want updates emailed to you. And you can use the quick links in the Forum top bar to go to subscriptions later on. Threads with new postings since your last visit will be in bold, so it's easy to see if there's anything new.

 

Hope that helps.

 

Seahorse

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Thanks for that -getting the hang of it now.There is so much useful information out there.

Just re-sent SAR recorded this time.

 

Just want to get started now.

 

jansus

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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  • 2 weeks later...

been away for a week - but on return have received a SAR questionaire form (two pages) and asking for cheque (already sent!)

 

Will send back form with photo copy of cheque tomorrow.

 

Keen to get things moving now!

 

jansus

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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  • 4 weeks later...

Statements promised by 21/3 and received on 16th. Now have the task of going through them to see the extent of the damage.But it will be worth it I am sure.

 

I am also going to take my time and read the guides again to make sure I dont make any mistakes at this stage:)

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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Have been through all statements and just about to do preliminary letter. charges about £1000.00

 

I just want to check the following:

 

I have claimed unauthorised od charges/failed dd and failed cheque charges.

 

I have also included "paid item " charges (£25.00 each) what are these - does it mean when they pay a dd after it has failed?

 

I can see monthly charges for authorised OD of £5.00 a month(called monthly overdraft charge) which I have not claimed as understand these are service charges - but on odd occasions for no apparent reason this went up to £8.00 and once £25.00?

Am I safer to leave this out?

 

 

I have not included any interest charges at all as having read a lot of threads I dont think a definitive decision has been made on this. I understand the 8% can be added on at the court stage.

 

If somone can just point me in the right direction to check which charges can be claimed I would be grateful:idea: :confused:

 

jansus

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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Jansus- I noticed on my statements prior to a set date in 04 (which I canny remember) there was never any Unathorised OD Charges levied against my account, just the Monthly OD charge went from £5 to £25, so I classed that £20 difference as the unauth fee. The terms of our accounts its a £5 pcm fee for the overdraft, any more and it had to be some kind of penalty charge.

 

Good luck - we're at a similar stage for similar amount so it'll be useful to keep track of how you are doing!

 

:)

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thanks for that - my letter will be sent thurs by recorded delivery - just going to double check everything before i send

 

:) jansus

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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Have been through all statements and just about to do preliminary letter. charges about £1000.00

 

I just want to check the following:

 

I have claimed unauthorised od charges/failed dd and failed cheque charges.

 

I have also included "paid item " charges (£25.00 each) what are these - does it mean when they pay a dd after it has failed?

Yes it is what they charge you for paying dd

I can see monthly charges for authorised OD of £5.00 a month(called monthly overdraft charge) which I have not claimed as understand these are service charges - but on odd occasions for no apparent reason this went up to £8.00 and once £25.00?

Am I safer to leave this out?

If it does not show every month,overdrawn or not it's a charge not a fee so claim it

 

I have not included any interest charges at all as having read a lot of threads I dont think a definitive decision has been made on this. I understand the 8% can be added on at the court stage.

 

If somone can just point me in the right direction to check which charges can be claimed I would be grateful:idea: :confused:

 

jansus

 

Hi jansus

 

The comments in red above are my own opinion but I put them in to give you something to think about

 

Hope it helps

lazybones :D

 

All opinions expressed by me are my own personal ones........

If in doubt seek Professional Advice

__________________________

 

MBNA....... S.A.R....Posted..12/3/07

Delivered..13/3/07..Replied..20/4/07-- Incmplete

Non-compliance letter sent...01/05/07

LTSB........S.A.R. ..Posted..14/3/07

Delivered..20/3/07..Replied..21/4/07--Incoplete

Non-compliance letter sent...07/05/07

AL+LE...... S.A.R... Posted..14/3/07

Delivered..15/3/07..Replied..20/4/07--Complete

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yes i see what you mean.

 

It also seems odd to charge a fee for an overdraft that has been agreed.

 

the charges are higher recently especially for just going overdraft by say £1.00 even when they know money paid in on regular basis . I noticed from my old statements they were much more lenient:rolleyes:

 

jansus

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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yes i see what you mean.

 

It also seems odd to charge a fee for an overdraft that has been agreed.

 

the charges are higher recently especially for just going overdraft by say £1.00 even when they know money paid in on regular basis . I noticed from my old statements they were much more lenient:rolleyes:

 

jansus

 

I think they reason if you take small charges with no fuss you'll take bigger ones the same way thus maximizing profit from you:mad:

lazybones :D

 

All opinions expressed by me are my own personal ones........

If in doubt seek Professional Advice

__________________________

 

MBNA....... S.A.R....Posted..12/3/07

Delivered..13/3/07..Replied..20/4/07-- Incmplete

Non-compliance letter sent...01/05/07

LTSB........S.A.R. ..Posted..14/3/07

Delivered..20/3/07..Replied..21/4/07--Incoplete

Non-compliance letter sent...07/05/07

AL+LE...... S.A.R... Posted..14/3/07

Delivered..15/3/07..Replied..20/4/07--Complete

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preliminary letter and schedule sent recorded delivery.

 

just waiting for standard reply now.

 

will stick to recommended timetable even if I get early answer.

 

jansus

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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  • 3 weeks later...

Few days behind my schedule as have had a bit of a family crisis .

 

But just doing my LBA now and making sure I have all my paperwork together.

 

Will photocopy everything again and send recorded delivery tomorrow - then try and read up again on the next stage while waiting for one of their standard replies. I am going to go the MCOL route next .

 

Thanks everyone for their messages of support.

 

Now anyone got answers for a sister going through a messy separation who asks for advice and then does completely the opposite??!!

 

jansus;)

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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Question-

 

I am just doing my LBA .

 

I have been watching my credit report and have noticed that since I started the action A&L have placed two or three "amber warnings" on my account. As if i wouldnt have guessed they would:rolleyes: . I have never had these on my account before . They are not defaults but still affect the credit rating as they are obviously visible to anyone doing a credit check.

 

As they are not defaults can I still make a request that they are removed ? Especially as I was only a few pounds over my limit before they added all the charges. And also taking into consideration I asked for a temporary increase in my overdraft whilst I transferred some money to my account?

 

In other words can I add a personal paragraph to the standard letter??:?

 

 

Thanks

 

 

Jansus

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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bump

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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  • 1 month later...

Done it - filed MCOL at last - thanks to the thread by Michael Browne it was quite straight forward.

 

Just a waiting game now

 

 

Jansus

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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Hi Jansus,

Did you get an answer about the amber warnings on your credit report? My credit score has been slowly improving over the past year and the last thing I want is them messing it up for me

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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no - I didnt get a reply from anybody here and the only correspondence I could find on the site referred to defaults which mine are not. So I have left it for the moment. I am annoyed about them though as all my other accounts are all little green blobs which mean the A&L ones show up like a sore thumb and it has reduced my credit rating to fair from good.

 

jansus:mad:

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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I've posted this question on MSE so if I get any response I'll let you know

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Hi Jansus,

The only reply I've had is to say that amber blobs normally appear when you are three months overdue. Not sure if you can make any sense on this, but hope it helps

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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