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A&L **double success** Advice Needed


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Hi,

 

I recently regained my charges back from A&L after submitting a MCOL.

 

I received a letter and my cheque of £269.85 and have banked this in my new parachute account last week.

 

I received a further ltr yesterday stating A&L were to close my account next month, no surprise there. However, in a second seperate letter envelope was another letter enclosing another cheque for £269.85......hurray I say.

 

Question is do I do the honest thing and return it or stick two fingers up to them, bank it and act dumb and say nothing, until they realise.

 

Even then they wont get it back as I can be as childish as them for closing my account (which I dont need anyway).

 

Let the answers flow........mods, CAG will receive two donations if the majority say keep it !!

 

Kind regards

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Hi Zoo,

 

I suppose you are correct. Must be something in the air this year as my insurance company returned a £700 cheque to me when I chose not to renew my car insurance ....I hadn't paid them anything either.

 

And yes, I returned that one also !!

 

Thanks

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i would be honest and pay the money back. it is wrong to keep what isnt yours. and i know A&L were wrong to close your account. and wrong in taking the charges off you in the frist place .. but is it wroth stooping to their level and doing the same.. ( i dont think so ) so be one better than them and pay it back.

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If you keep it, it is YOUR problem.

 

It would constitute a criminal offence, Theft Act 1968.

 

Return it advising them of their error.

 

Re closing your account, you need to complain to All & pester 1st, until you get a letter advising you that it is there "final decision" to close your account. You then complain to the FOS.

 

Good luck and well done ...... :D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Ripata there are plenty of people with criminal convictions who have followed that belief.

 

There is plenty of case law and applicable criminal law. You can not do what you suggest and avoid answering to a criminal court whether Magistrates or Crown !

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Stick It In A High Interst Account For 28 Days, Even If You Make A Few Pence Interest Its Better In Your Pocket Than Theirs!! I Dislike The Alliance And Their Pathetic Internal Structure So Make As Much As You Can Before You Return It!!!!!!!!!!!

 

Cant Help But Grin At How Stupid They Are;)

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I would not advocate that as it would be unlawful and possibly illegal. CAG prides itself on holding the moral high ground over the banks and will not advocate using illegal or immoral practices in relation to our dealings with the banks.

 

You should advise the bank that you have a duplicate cheque and ask they send a SAE for you to return it in. (this way you won't pay the postage)

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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I had placed it in my account but after further legal guidance today I have contacted A&L and advised them of their error.

 

As I do not have a cheque book I have advised them I will be sending a bankers draft.

 

The incompetance of the bank has been highlighted even more by this issue.

 

Thanks and good luck with all your claims.

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