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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
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    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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Me v A&L


kurd70
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Hi

 

Will be sending off my Data Protection Act request tomorrow to

Alliance & Leicester plc

Customer Contact Centre

Bootle

Merseyside

GIR 0AA

 

For details of charges for both banking and credit card charges from A&L

 

Looking forward to getting these charges reimbursed

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Hi

 

Will be sending off my Data Protection Act request tomorrow to

Alliance & Leicester plc

Customer Contact Centre

Bootle

Merseyside

GIR 0AA

 

For details of charges for both banking and credit card charges from A&L

 

Looking forward to getting these charges reimbursed

 

 

Excellent. Use the time available now to read through the FAQs and the step by step instructions. These will guide you through teh process.

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Hi All

 

Just sent my data request so will keep an eye on how you are doing and how long it takes. Giving 40 days seems like a long time to wait for anything but it will be worth it with those charlatans. Charged me £50 for being £1.80 over my overdraft even though as lady at their call centre said they wouldnt charge for such a low amount.:(

 

have opened a parachute account just in case they close mine.

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  • 1 month later...

Hi Kurd70

 

had my statements back dead on 40 days even though they cashed cheque just after I sent it. I have now sent 2nd letter giving 14 days. Hope yours is on track?

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I got the bank statement today,they arrived on thursday

Currently going through them at the moment to see how much they charged

They did not however send me the credit cards statements I requested!

 

Can someone let me know what the best way to go about getting the statements I requested for the credit cards should I remind the A&L or go to MBNA instead?

 

Kind Regards

 

kurd70

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  • 3 weeks later...

Will be sending request in the next few days for charges to be reimbursed

Surprised at the amount charged in fees. all fees were 25 pound each and above except 11 which were 5 pound each

These eleven, I will not be claiming back as I believe these were relating to an agreed overdraft and dont think they will reimburse these

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  • 3 months later...

Hi for one reason or another I am only sending off my preilim approach for repayment tomorrow

I have finally gone through all the charges

most are for 25 pound each paid item charges and monthly overdraft charges also 25

failed direct debit charge 29.5 most of them 34

and then the monthly overdraft charges of 5

My question is did the rest of you reclaim the 5 pounds monthly overdraft charges these used to be 25 but then became 5 pound each

Please advise

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  • 4 weeks later...

got a response from a&l acknowledging receipt of complaint. they say they are fair and refer to the current legal proceeding with the OFT

I will be sending of my letter before action tomorrow

As stated previously the charges i am claiming back most are for 25 pound each paid item charges and monthly overdraft charges also 25

failed direct debit charge 29.5 most of them 34

and then the monthly overdraft charges of 5

 

Thanks

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Ther is a bbc report if you go to the finacial website about the fact that credit card claims are not part of the waiver so you should be able to proceed with that

 

As far as the bank charges go you case will almost certainly be stayed. What is the amount involved - ? see my otyher post today - it may be worth considering sitting in the FOS claims pending - ?

 

Have a read around before you decide what to do

 

Jan

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...

Hi

Got the following response to the letter before action from a&l

"Thank you for your letter in response to my previous correspondence regarding the status of you request for a refund of charges

While I appreciate your comments, our poistion remains unchanged in that we are unable to process your request until the outcome of the test case is known

Alliance & Leciester, in line with other financial service providers, have asked the Finacial Services Authority (fsa) to suspend the normal timetable for dealing with complaints in relation to charges for unauthorised overdrafts. The fsa have agreed to this request

Although we don not know how long the case will take, I can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible.If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Finanical Ombudsman Service or to the courts

You can find more information on the test case throught the following

Financial Services Authority

The Office of Fair Trading: making markets work well for consumers

Financial Ombudsman Service

 

Once again i can only apoligise for the inconvenience that this has caused and i can assure you that once the test case has come to a conclusion we will advise you of the outcome"

 

 

Ok so despite requesting terms and conditions of my account in letter before action they have not done so

Just got letter above

I take it the next step is to file through courts? with particulars of claim N1 form?

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