alliance & leicester ignored me

[col123]

I requested statements via phone in january,filled out data form sent cheque,i recieved statements 40 days later,i sent copy of highlighed charges with 1st letter asking for charges to be refunded i gave the 14 days to respond deadline which is today,i have heard absolutely nothing,i sent by recorded delivery and had confirmation by the post office that it had been delivered,i have requested a copy of signature from post office but apparently i cant apply for this until 6th april,has anyone else been ignored if so whats the next step,i have got a letter of complaint ready to post on monday along with copies of all the last stuff i sent,also what is the best address to send to i sent to basic customer service centre,i will also be using special delivery from now on.

any help from people who have had a similar situation would be greatly appreciated,kind regards col x

[blimeyboy]

Just stick to your timetabel.

 

send Prelim Letter - give them 14 days, then send LBA - give them 14 days then its the court claim part.

 

I ahd the same thing they ignored my first two letters.

I filed my MCOL claim on Monday and they have acknowledged it, so just stick to the time tabel and you should be fine

[davydee]

I have been using the secure emailing method thru my online banking and they have been responding to that

[fedupwithripoffs]

I agree with Blimeyboy - hold your ground and be prepared to escalate through the Money On line Claim web site.

[col123]

Thanks to all,ill stick with it and keep you posted,my letter did state i would start court proceedings within 14 days,so ill give them another 14 days along with my complaint and hope for the best,kind regards col x

[jansus]

best of luck

 

I have just sent preliminary request letter - so will be wathing your thread with interest:cool:

 

jansus

[tillylady]

i have requested my statements 3 weeks ago they have now just cashed my cheque for the £10 so am now waiting, good luck

[col123]

Help!!!!

after realising that i cant put £5 overdraft charges on i have recalculated without them,do i continue with my claim or do i have to start a new one?,already sent prelim letter 2 weeks passed and about to send my LBA,what do i do about the difference? Help anyone PLEASE !!!!

[blimeyboy]

Just updaate your schedule of charges, and send the LBA. Perhaps with a line at the top stating : Updated Shedule of charges. They will be fully aware of the amount of charges on your account.

[col123]

Thank you ive sorted it now,and posted by special delivery,ill keep you posted,kind regards col x

[col123]

Hi again no new news as yet,i was just wondering as i fully expect it to go to court process is there anything i can be doing to prepare,like stuff for court ect,im reading the site daily and i just want to get everything right,kind regards col

[stripeuk]

hi, A & L have also ignored me - preliminary letter and LBA both by recorded and no response at all. Preparing to file MCOL on Tuesday 10th April and will keep my thread updated to let you know how I am getting on.

[blimeyboy]

Col123.

I would just sit back and wait to be honest.

 

I doubt they will reply to your letter and you will have to go down the MCOL route. But based on everyone elses experience it will not go to court.

 

It is a bit like cat n mouse (tom N Jerry),

[col123]

Thanks,i feel like a right bother lol but at the min its all i can think about,getting some money back would make a massive difference to my families life as we have always had to struggle,i must admit i am afraid of going to court but im more than ready to fight,i want my money back x

[blimeyboy]

you are int he right lace. Loads of people will be very supportive and give you lots of advice along the way.

Going to court is very unlikely.

I know its a pain having to wait but stick witht he timetable and follow the instructiosn to the letter and soon enough you will have your money.

Make sure you open another bank account in case they close this one.

I advise Natwest Step account but there are loads out there to be honest

[fedupwithripoffs]

HiI had the same problem and did finish up taking A&L to court. There is some excellent information on the Money Expert web site and you can use the quotes on there when you submit your claim on Money Claim on Line.Two days prior to the cut off date for a response from A & L to the court they sent me a cheque for the full amount I had claimed, including of course the charges made by the Court. Yes, I would recommend lots of back gorund from the Money Expert site, The Independent and Which. The long and short of all this is thatthese charges are illegal

[col123]

Hi all just a quick update i received a letter this morning from A&L basically it states....

 

thanks for contacting us regards fees on your account, having reviewed the circumstances surrounding your complaint again i can confirm that the fees have been raised in accordance with the charging policy within the terms and conditions,

Fees are published in our marketing literiture for current accounts we also provide copies of terms and conditions of the account when it is opened.Any changes or amendments to the terms and conditions are notified by post,through statement inserts and on our website,which complies with the banking code of practice.we feel our fees are resonable and competitive and are clearly shown within literature on our website as well as being detailed on monthly statements,

in veiw of the above i regret to inform you that our original dicision must stand.

 

it goes on to say i can refer my complaint to financial ombudsman and they have given me a complaints leaflet.

 

has anyone else had this letter,is it a standard fob off?

 

Ill copy the whole letter out if anyone needs to see the full version,

 

they are making out like this is the second letter i have had and its not its the ONLY letter ive had from them,any advice would be much appreciated,kind regards col x:confused:

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[jansus]

this a standard letter they send out - just make sure you stick to timetable on FAQ allow 14 days as per your letter and then proceed.

 

 

 

Some people get no letters at all before filing claim - i have had two.

 

I think the general advice appears just keep reading the site to makesure you are ready for each stage- including the threads in the successes it will cheer you up.

 

 

I m just about to do LBA

 

best of luck

 

jansus:)

[col123]

Thanks janus ill keep you posted its just so nerve racking lol,good luck with your claim also,if it wasnt for this site i would have given up ages ago x

[deneedenee]

Hi Col,

 

Pretty much in same situation as you! Trying to claim around £6,800. I've sent them the letter requesting repayment of charges and got back a big 'no chance' from them! Preparing to send LBA letter. My worry is the court action. I'm from Scotland and here we can only claim £750 a time from small claims court. Many of the courts are now refusing to accept multiple claims. Been advised to take my complaint to FOS but don't know how to go about that or how long it will take?? Know for certain next letter I receive from A&L will be another 'no chance'!!! x

[jansus]

Hi Col,

 

Pretty much in same situation as you! Trying to claim around £6,800. I've sent them the letter requesting repayment of charges and got back a big 'no chance' from them! Preparing to send LBA letter. My worry is the court action. I'm from Scotland and here we can only claim £750 a time from small claims court. Many of the courts are now refusing to accept multiple claims. Been advised to take my complaint to FOS but don't know how to go about that or how long it will take?? Know for certain next letter I receive from A&L will be another 'no chance'!!! x

have you started own thread on alliance and leicester?

 

I know there is a special section on claiming in scotland - try putting in as a search if you cant find it -and read lots of threads even from different banks - try all sections under fAQ

 

jansus:)

[deneedenee]

cheers jansus - going to start my own thread on the claiming in scotland section cos no one's mentioned anything about claiming against A&L in Scotland. Been reading through it and it's a lot more hassle than claiming in England! Going to persevere though cos too much money to lose. Good luck!

[col123]

H All Im popping into town monday to pick my forms up from the court,as the amount is over 5000 excluding interest do i ask for the N1 form or is it a different one,any help appreciated,kind regards col x

[dizzykate]

hi

 

I am claiming over £5000 and it was the N1 form that I filled in

 

I used the templates on here and filled them in and printed three copies out.

[col123]

Thanks dizzykate good luck with yours x