Jump to content


Me vs A&L


noisypinkbubble
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5213 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Having debated over starting this for a few months, I sent off a Data request letter on the 12th January, and am currently eagerly awaiting the result. I also included a cheque for £10 with the letter, which has been cashed around the 16th, so I'm not sure why I haven't had the statements yet :/

 

I'm wondering how far it will go, how much it will all be (had a horrid period a couple of years ago when my partner walked out leaving me with a brand new mortgage to pay and no savings - meaning I copped for a lot of charges!) Will update as and when I go along.

 

Wish me luck everyone - and if you could advise me how long to wait for the charges I would appreciate it!

Link to post
Share on other sites

  • 2 weeks later...
  • Replies 135
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi, noisypinkbubble, welcome. It goes without saying that we all wish you luck!

Be prepared for it to take the full 40 days to receive your data info, then it'll be a nice surprise if it comes sooner. From the date you mentioned it shouldn't be too long now.

 

As for 'how far it will go', if you want your money back you should count on it going all the way to lodging your claim with the courts.

 

If you have taken time to have a thorough read round the forum, you will know how scary this process can be - but also that it is succesful and worth the time, effort and emotional scarring!

Keep posting your updates on this thread. :cool:

Link to post
Share on other sites

Thanks, I will!

 

The full 40 days (if its just days, not working days) should be the 26th - and as of yet still nothing! Well, they managed to get in touch to say they had charged me £50 in unath od charges when the online banking had shown no such thing (and I'd been checking every day) as THEIR interest being taking on a different day put me over the limit. I can't WAIT to get all my cash back off them, I just want to know how much it is!

Link to post
Share on other sites

they warn you of the unauthorised overdraft charge well in advance so i am afraid it may suddenly appear on your account- for some reason it is two lots of £25.00.

 

By going over my overdraft in error i have incurred in one go 3 x 34.00 plus £50.00 and they refused a temporary increase in my overdraft although I have conducted my account well for some time.

 

I am still waiting for statements although they have cashed my cheque (from another another account- to show them I have a parachute account) just hope they are not using delaying tatics while waiting for a final ruling on the bank penalty legalities which is due this month.

 

I want to get started!

 

Best of luck with your claim

:) 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

Link to post
Share on other sites

It's past 40 days for me today and still no list of charges. I'm giving them til Friday to account for postage but then will be getting in touch.

 

As for the charges, I didn't get the letter informing me of them at all, but then I'm not getting a lot from them lately...

 

I can't wait to get this money back off them, I'm just eager to know the total!

Link to post
Share on other sites

  • 2 weeks later...

I checked my bank account and they waited almost 10 days to cash the bloody cheque, so the 40th day only came up on the 12th. But guess what? No statements!

 

Going to post the letter off from work tomorrow, I'm really annoyed it's gonna be 2 months on Monday since they actually had the SAR & cheque in their posession!

Link to post
Share on other sites

They've had more than long enough, noisypinkbubble, the 40 days starts when they receive the letter, not when they cash the cheque, (otherwise they could get away with never cashing the cheque!).

They definitely need chasing up on this one. :cool:

Link to post
Share on other sites

Thanks younganfree; I was sure I read somewhere it was 40 days from cheque but now I'm fuming. Can only print from work, but am filling the template in now and emailing to work. The buggers are just stalling I bet in case there's a ruling of some sort...

Link to post
Share on other sites

hi

 

I am having probs getting my statements too. Someone called Chris at the Customer Relations Department said that he had been told they were about five days ahead issuing statements. Hmm that seems unlikely reading your story.

 

My 40 days are only up at the end of the week but they still have not cashed the cheque.

 

Hope you get yours soon...its really frustrating isn't it

Link to post
Share on other sites

hiya

 

I got mine today as well, so maybe you should contact them or on here they advise to send a letter giving them 7 days the guy at the customer relations was very helpful

 

Good Luck

Link to post
Share on other sites

Hi all!

 

I rang them up today to let them know I've posted the 7 day letter and they said "We haven't received your request yet"!!! I said "I'm sure you have, since you cashed my cheque on the 28th of January". The girl read through the notes on my account, realised they had and got very flustered, told me there was a backlog etc. I remained calm and was nice to her and said "That's all well and good, I appreciate that completely and I've given you more than a weeks good grace for postage etc; more like a fortnight actually, however if I dont receive them within 7 days I will be taking you to court as you have breached my rights under the DPA and by a large amount" She then emailed the team in charge and has let them know my letter should be with them any time, and I will keep a very close eye out.

 

I can't believe they just cashed the cheque then did nothing!

Link to post
Share on other sites

presumably they are so busy because so many of us are starting the process of claiming back our money - thats really good to know

Link to post
Share on other sites

Well I got my list of charges Saturday morning! So it really doesn't take them all that time, I'm just annoyed that they've stalled so much.

 

Busy is one thing, but breaking the DPA by a fortnight is something else - busy shouldn't mean comprimising a customers rights!

 

Anyway, its actually a bit less than I thought £953.50 (we've counted 3 times) so I'm filling the spreadsheet in now and getting the letters ready to print and post tomorrow at work. Ooh, things are finally going to start happening! I'm hoping for an early resolution since it's a relatively small amount compared to some :D

 

Thanks all for the help so far

Link to post
Share on other sites

Hi, i'm starting a claim against this lot on behalf of my stepson.

I just wanted to point out that the pending OFT report should not make any of us panic or stop people from claiming their charges - they can only make recommendations. Only the courts can force the banks to comply.

Keep up the good work, and SPREAD THE WORD!

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

Link to post
Share on other sites

Longleigh I agree completely. I work for a bank and have convinced at least 10 of my coworkers to claim back their charges (I haten to add, luckily none of us hold the accounts with our employer or that could become a sticky situation!)

 

I started typing up the spreadsheet and on rando play in WINAMP Meatloaf "Life is a Lemon" started playing; Meatloaf shouting "I want my money back" was strangely appropriate! :D

Link to post
Share on other sites

best of luck-I have just "bumped " a post which says be careful to stick to recommended timetable even if they reply quickly - so be patient at this stage.

 

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

Link to post
Share on other sites

  • 3 weeks later...

Well they never even responded to my prelim letter! DID manage to send me a letter telling me I could qualify for a loan or something though!

 

I sent my LBA on Monday, see if I get anything back from that. Didn't send it recorded though, just stuck it in with the work post.

Link to post
Share on other sites

  • 2 weeks later...

best of luck - not far behind you-just going to do LBA

 

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

Link to post
Share on other sites

Just filled the MCOL in, paid the fee and everything. Feeling kind of nervous now! Just more waiting to do I guess!
You should be very good at doing that now, noisy, you've had plenty of practice!

Keep up the good work. :cool:

  • Haha 1
Link to post
Share on other sites

Well thanks to some helpful advice in the general forum, I know I have to ring them first thing tomorrow and get the amount changed. Its gonna cost £35, but the interest is £133, so it's worth doing! *tries not to stress*

 

I'm such a girl. loll

Link to post
Share on other sites

I got a letter from A&L today, dated 11th April, saying the fees were fair yadda yadda yadda, and enclosing the complaints leaflet. Hah!

 

**** on their bonfire when they get the stuff from the court, since I filed already!

 

Okay I did it wrong, but I'm posting my amendment form off tomorrow so yah booo sucks to the sweaty theiving barstewards!

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...