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thio v alliance and leicester


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hi:D nervous newbie here, have sent sars to A and L dated 9th march 07 nothing heard so far did not realise weekends included in the 40 days until informed by Bigmac on this site, but are bank holidays also included guess i better start preparing a letter of compliance:p watch this space

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ok thanx for that their 4odays expires on wednesday have not heard a sausage but it seems from other threads A and L take it to the wire before any response but i can play the waiting game compliance letter ready and waiting to go:wink:

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well no need for the letter of compliance received all statements and microfiche today the 40th day well done A and L hope they as compliant when i send of the preliminary letter requesting the return of my money, will be using one of my lovely CAG stickers on the envelope so dey know i ain`t messin`...back soon;)

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Unfortunately Thio, you will have to go through the whole ridiculous farce. They really should be spanked by the Courts for the waste of Court time.

We haven't got the money, so we've got to think!

Ernest Rutherford

 

A & L

Data Protection Act Letter sent 11/08/06

Data rec'd 14/09/06, Prelim letter sent 16/09/06

LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.

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received reply today to my preliminary letter it would appear that helliance and leechers consider their charges applied correctly blah blah blah will give it the 14 days then hit em with an lba. Was very helpful to read some of the threads on calculating daily interest rates particularly lucid, very clear instructions i would have struggled with this next step otherwise

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hi all a quick update of where i,m upto. posted the lba to alliance and leicester today along with a schedule of charges requesting they return my £1,681.50 or face court:p , sent by recorded delivery of course so they have until 25th may to respond, of course i have my n1 ready and waiting to go its getting to the interesting bit now

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received letter today from john gibbons, customer services thanking me for taking the time to contact them and highlight my concerns they are looking into the issue i raised and will let me have response soon as possible.A and L commited to resolving complaints as fairly as poss and enclosed leaflet explains actions they will take.if i need to discuss please contact them. Of course i will.

Also after recent events i sent a request by recorded delivery for a copy of the original terms and conditions in force when my account was in operation, lets see what transpires, they have until 25 May to respond positively to my lba

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received notice of issue today...claim was issued 25th may the court sent it to a and l by 1st class post on 4th june and will be deemed served 6th june a and l have until 20th june to reply

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Hi Thio, you make it sound like you have hit Ali in his leicesters before. i'm going thru all this my self with same letters being received from them, just a question what is an n1 and how do i get it or do i wait to be told to get one. cheers

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hi all got 2 letters today from a AND l..1st letter about their review of the matter taking longer than expected as they need to obtain all relevant info to address my complaint they will be sending detailed reply shortly that came from laura cooke customer service centre, bootle. The 2nd letter from alison riley customer services manager bootle about how OFT suggests there may be similarities between the default charges on credit cards and similar charges applied to current accounts...they believe all charges applied according to terms and conditions of my account they have offered £495.50 as full and final settlement, my claim is for £1681.50 plus over £300 in interest plus costs so i think its time to send off letter of refusal, they believe this amount offered is the difference between the amount of charges and the amount of charges that would have been applied if the charge had been £12 which is the amount OFT indicate as reasonable in relation to credit card default charges. What does credit cards have to do with it i,m claiming bank charges SEND ME THE MONEY ALREADY:mad:

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Hi

 

I've got this far with the A&L and they owe me almost 5K inc the interest and they offered me £1714 but when i took twelve pund off every charge it still came to more- so I sent of a letter and spreadsheet highlighting this and asking where they got htere figures from and I got a letter back saying they couldn't help me any furhter and a leaflet telling me about the Fianncial Ombudsmen- who was my next step as I live in Scotland and our small claims level is a lot lower than the English courts.

I'm now waiting to hear from the FOS.

Anyone out there had any experience of them and how quick they are or are they totally snowed under with all us claiming our charges back?

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Hi thio

 

no I'm going for the full amount but I just couldn't understand why they were offering me £1714. So i double checked their figures and they were way off, even though A&L said that was the amount I could get back minus £12 per charge.

So not only did they swindle lots of money off me when i was poor they were still trying to swindle me out of a proper settlement. I am well and truly going for the full amount

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Date of issue I think??

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. Don't get to see the Metro what were the details

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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got letter today signed by alison riley again and written without prejudice to any contention that the a and l may have for saying you do not have a reasonable cause of action against us or that you do not have a reasonable prospect of succeeding in any claim you may bring. along with a cheque for £615.50 which included the court fee my claim is for £1681.50 of course i tore it in half and returned it along with a nice letter of refusal. There was also the threat of closing certain customers accounts who have complained but if i accept the offer of settlement they will continue to operate the account if i accept the t and c,s of the account previously notified to me, well they can go ahead and close the account cos its been closed since 2004:p

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hiya

 

they are saying that they will not refund charges that are for unauthorised overdraft £25.00 and paid item charges £25.00. the only ones they will refund the difference between £12 and chrge amount are on unpaid items i.e dd and cheques.

 

Kate

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when doing the court bundle do i actually need to find the full text of all the cases and stautes and print out to put in the bundles or just print straight from the zip file and put in bundle as it comes:confused:

 

The bundle is "basic". If you think it's relevant to find more detail applicable to your claim, then fine but, I would say that, in the main, most of the info. you need is within it. Personally, I also included the Peter McNamara interview, BBC Commission report, Northern Ireland report, abbreviated Australian Penalty Report and various BBC articles, which I googled. Most of the articles I mention are within the Libraries at the top of the forum.

 

My bundle was well over 200 pages long by the time I'd finished adding to it.

 

HTHicon7.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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got acknowledgement of service today from wragg and co they are of course defending have started gettin bundle together now and jus wait they got till 20th june to file their defence:rolleyes:

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received 2 letters today 1st from the courts to say that A and L have filed an acknowledgement of service on 12 june 2007 to defend all the claim. The 2nd letter was A and L defence from wragg and co, it says the defence is filed and served without prejudice to the defendants contention that the poc disclose no reasonable cause f action and should be struck out pursuant to the provisions of the civil procedure rules part 3.4 etc as the claimant has no real prospects of succeeding on the claim or issue and there is no other compelling reason why the case or issue ought to be disposed of at trial, suppose this is another tactic to deter me, etc its about 6 pages long, can it be put in my bundle if it says served and filed without prejudice? it says the poc against the defendant is inadequately particularised should i just send another schedule of charges to the courts and wragg ? i used the templates on this site and am pretty sure i did as i should. It goes on to describe the different charges and how much they are e.g paid item fee. It says that these charges are are not penalty clauses but administrative fees etc etc. Without prejudice they will refund and/or has refunded the claimants account part of each failed transaction fee to the extent of any excess above a debited charge of £12 per item, Is this their standard defence ?

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