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    • That's their problem. They said account was £89 in credit when it was closed. Sent the cheque after about 3-4 weeks. They can't get it back from dead people. Unless they hold a seance.
    • Yes it was in her name at her address.  She used my address as a care of address when she moved into a care home.  I was managing her affairs from my address while she was in the care home.  Eon was made aware of this and agreed to it.  She/we used the Royal Mail redirection service from her old address to my address. 
    • @maroondevo52 what appears to be happening, is that the companies arranging vaccinations have been provided with bulk supplies of both flu and covid boosters. So the staff doing the vaccinations have trays with both ready to go into arms.                       
    • EON may have paid £89 refund in error and now they want it back.   Up to you really. But once you have sent the copy death cert that should stop any further communications.  You can of course look to take this further, but whether you would easily gain any compensation, is the question that you need to ask yourself.  They may dig their heels in and you then get into months of ping pong communications.
    • Great thanks, will leave 2 in then, replace 3 and I think its good to go.    This is exactly what I have in my word file ready to send, I think im happy with it and can send to mcol monday morning. Any further thoughts or things to update please let me know.   Again thank you both for your help, really is priceless.         Defence:   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.    2.     The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.     Paragraph 1 is noted. It is accepted I have in the past had agreements with New Day LTD RE Aqua. I do not recall the precise details or agreement nor the claimant either having failed to plead an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   4.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      5.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or New Day LTD RE Aqua pursuant to the Law of Property Act 1925.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14, and will shortly be in default of my section 78 request, therefore the Claimant is put to strict proof to:   (a)   show how the Defendant has entered into an agreement and; (b)   show and evidence the breach and service of a Default Notice pursuant to sec 87(1) CCA1974 on which the Termination referred to relies upon. (c)   show how the Defendant has reached the amount claimed for; and (d)   show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 17th of November I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 16th of November I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of of 06/12/21 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Mr Mag Vs. A+L ***WON***


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I am considering filing claims against A+L but I would like to know that since I have a current account will I be able to claim, I have read all the FAQs and other site but they only seem to mention credit cards. I know claiming back £259 doesn't seem like much but with someone in my situation I need all th money I can get and if I can claim it all back I will post everything here. Thanks in advance to anyone who posts and helps.

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Cool, thank you I will be sending a letter off to them tomorrow, thank you for your help, I will say how it goes but from reading everyone elses post doesn't look like it will go that well.

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Today I recieved the standard blah blah blah these charges relate to credit cards not current accounts UNFAIR2 letter as exepected I shall be sending out the LBA tomorrow by recorded delivery.

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Thanks for your reply, I was getting lonely. Well I sent my LBA out on monday by recorded post and I checked that it hasn't been recieved today, i'll check again tomorrow but i'm expecting the usual bugger off letter.

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They're more likely to tell you to take a hike - again - but you never know, maybe you'll get lucky!

Always look on the bright side, that's what I say! Besides, the longer they drag it out, the more interest they'll have to pay you, eh? :rolleyes:

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You charge interest from the date that the bank charge was applied to the account. The interest calculation spreadsheets in the Template section of the site are very helpful there.

If in doubt read the

FAQs

 

If still in doubt - ask!

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Really not trying to hijack a thread here but I find myself in the exact same situation as Mr Mag. Just got letter back for them to tell me that I wont be getting it. (You think yours is pitiful Mr Mag...mine is for £100) They replied to me within the 14 days. Can I send me LBA now or will I wait for the 14 days to finish? As for the interest aswell I have not calculated it into my first letter. Should I add it now or leave it just the way it is?

 

/sorry if this is hijacking a thread. If need be a mod delete this and ill start a new one.

 

Thanks for all the help folks!!!

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19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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I have 'yet' another question, since it doesn't look like they got my letter (looks like the post office messed up) should I send them my LBA again or should I just wait out the remainder of the two weeks and go straight to MCOL?

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Guess what I got today, thats right the second letter! Again I like these reference numbers they use AAA0000/UNFAIR4 hmm I wonder what 1 and 3 say. Well nevermind that its of to MCOL now, yay the most stressful part.

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