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Alliance & Leicester made me an offer


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Hi,

A & L made me an offer but it’s not the full amount in fact is not even half.

They are trying to use the OFT's indication that £12 in relation to credit card charges is not an unreasonable offer - I disagree.

On closer examination it seems that the BBC's 'The true cost of bouncing a cheque' item that the consumer action group have highlighted states that "based on the system the banking employee used, they worked out that the administration of bouncing a cheque was definitely no more than £2,"

I remember a while back that there was another more high ended study by someone else that came up with similar figures or perhaps a bit more around the £4 mark?

Does anyone have any information on that study?

Also, I need some help in writing the letter back to the Alliance & leister to decline their offer but giving them the opportunity to pay me £5000 instead. (They owe me £5799.50 excluding interest)

This figure would degate the need for me to raise a small claims action against them which only goes up to £5000. My understanding is that raising an action against the bank for more than £5000 is best left to the professional lawyers? Although I have no indication of what the interest charges are that I have paid them or how to work them out or even request that the bank themselves make them available to me?

Ive looked through the forum and templates section for help but I can’t find any templates that relate to declining a banks offer if it’s not the full amount anywhere - can anyone point me in the right direction please?

Many Thanks.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Aco

 

Go here and start you own thread http://www.consumeractiongroup.co.uk/forum/alliance-leicester/ that way folks can offer more help and support along the way.

 

Good luck with your claim!

 

 

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If I have helped in any way please click on the scales in the left corner also please remember that any advice I give is purely my own experience or opinion. Ta.

 

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