Russjo vs A&L

[johnnymitch]

I think we would still be waiting when this is all over and done with and still won't have a breakdown

 

Of course you won't! Just stick to your programme, Jo, and go with your own calcs. Don't get sidetracked by their waffling. Just let the court know what you think you are owed.

[younganfree]

Hi, Russjo.

I'd hazard a guess that the difference in treatment of your and your son's cases by A&L is purely down to the difference in amounts you're claiming.

[johnnymitch]

It could also be that one is for Credit Card charges and the other is current account charges. Different people dealing, therefore approach is different.

 

Odd how they are quick to leap onto the £12 'recommended by OFT' Bandwagon - not so quick when £1.50 - £2.50 was mentioned for current account charges............

[Russjo]

Hiya Johnny,

Not sure where the confusion came in, but they are both bank accounts. I think young is right, it's purely the difference in the amount being claimed.

 

I think you're right about the £1.50-2.50 charges though. Wel they've got until Tuesday to finish they're investigations on my account and then I'll be logging onto MCOL ha ha

[johnnymitch]

Sorry, jo , I got the wrong end of the stick - they were comparing 'similarities with Credit Cards'.

That makes it easier for you to ignore that line of reasoning and go for what you reckon you are owed. This £12 waffle is a red herring - just follow the timetable for both of you, even though it's a different pace for each.

Best of Luck

John

[Russjo]

Thanks Johnny

[vincymum]

Sorry, jo , I got the wrong end of the stick - they were comparing 'similarities with Credit Cards'.

That makes it easier for you to ignore that line of reasoning and go for what you reckon you are owed. This £12 waffle is a red herring - just follow the timetable for both of you, even though it's a different pace for each.

Best of Luck

John

 

 

Ditto. The OFT said that they would intervene where charges were above the £12.00 level. You may want to bear in mind that a bank account is a totally different 'product ' to a credit card. LOL

[Russjo]

Wey Hey, they've just made me an offer of £880 on my account (that abacus still isn't working properly ) and of course, I'm sending back a rejection letter. Their 14 days is up today, but I'll send back the rejection letter giving them 7 days to reconsider their offer or else, and then no more messing, mine is going to court

[johnnymitch]

Go Get 'em again, Tiger !

Gr-r-rr-r-rr!

[jansus]

see news today on my last post - and spread the news.judge not happy:-D

 

jan:)

[Russjo]

Go Get 'em again, Tiger !

 

Gr-r-rr-r-rr!

 

 

Deja vu

[Russjo]

see news today on my last post - and spread the news.judge not happy:-D

 

jan:)

 

Just read loads of info, how exciting and nerve wracking all at the same time

[Russjo]

Had a letter from A&L today regarding my son's claim. As we've rejected the offer they won't review it any further and have referred him to Ombudsman. Never mind, just waiting for 14 days to pass and pay day to come and then will be marching into court hee hee.

 

On a different note, Johnnymitch, how do you get your writing that big?? I tried to post something the other day in big writing and it came out as small as usual!!

[johnnymitch]

If you use 'Post Reply' (bottom left of thread)instead of 'Quick Reply' -you'll find there's a choice of fonts, colours and sizes!!!

 

:D :D

 

Best of luck with you court appearance Jo - if it gets that far!

[Russjo]

Aha. Thanks Johnny

[johnnymitch]

Aha. Thanks Johnny

 

I thought you might have been daring and put it in fancy font, Jo -

Go on - go for it,!

[Russjo]

You asked for it

I'd be very surprised if you can read it though hee hee

[Russjo]

12345 testin testin

[johnnymitch]

OK - you've got it -now stop showing off - LOL!

 

Night - night Jo - have a good weekend!

[Russjo]

And you Johnny

[bsia666]

Just subscribing to your fred.................

All the best in your CLAIM !!!

[Russjo]

Wow that looks fab, that is the most colourful support I have had so far and thank you very much.

[Russjo]

Okay, after today's announcement I'm a bit confused...the BBC news page gives the impression that all claims can be waived by the banks until this is sorted, but then when I read the Q&A's on the announcement on here, it implies that the FSA can waive any claims through them if the bank applies for it, but for those in the court process, it will be up to the judge. I'm just preparing my claim for both me and my son and I'm not sure whether to file or not?????

[Russjo]

Just back from holiday and my local county court have stayed one of my other claims and now I'm in a quandry as to how to proceed with my 2 A&L claims. I want to log my claims but I can't afford to pay more money to get stays lifted etc., and I need things to be straight forward at the moment. Too many things going on. Any advice??

[bsia666]

Hi Russjo

 

Could you look and see if your local court one of these....................................

 

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/109936-find-out-here-if.html

 

If your local court is a "friendly" (to claimants) court, then you could consider filing your claim and be more than hopeful that your claim would not be stayed automatically or on request by the A&L.

 

If your are in a bind re cash for filing your claim or any subsequent fees, then you may be exempt, have a look at this.....................

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=9

 

This is from Jansus thread.........................

 

The conditions in the waiver include dealing promptly with complaints once clarity is achieved and communicating clearly with consumers throughout the process. The FSA also expects firms to continue to help their customers avoid incurring unauthorised overdraft charges in the first instance and to continue to deal with hardship cases.

The FSA will review the waiver in two months time to ensure, among other things, that firms are complying with its conditions. The FSA can also revoke the waiver at any time if it considers that the waiver is no longer appropriate, for example if progress on the test case is not being made or if a delay in the resolution of the test case is likely to cause undue risk to consumers.

The FSA will publish later today the results of thematic work on how firms are currently handling complaints on unauthorised overdraft charges. Practices varied across the visited firms, but in some the FSA found significant deficiencies and important areas of weakness in their approach. These included:

• a failure to respond to complaints fairly and consistently; to address adequately the subject matter of complaints; or to ensure complaints are resolved at the earliest possible opportunity;
  
• unfair closure of accounts, or threats to do so; and
  
• false or misleading statements made to complainants.

The FSA may lift the waiver, so keep going with the reclaiming process

 

William.