Filled Defence - No stay......

[robbednomore]

Hi all,

 

I have been following the steps and the last letter I sent was the LBA (no repsonse from the prelim). I have recieved a letter today stating that....

 

 

"The OFT has commented that they consider the level of late payment fees to be be unfair, however they were actually referring to late payment fees for credit cards......... Discussions are ongoing between the banks and the OFT regarding current account and once the outcome is known, A & L will review it's position as appropriate........ As well as making our customers aware of our fees when opening accounts, we also continue to do so through our website, our branches, by telephone and on the bank statements. In view of this, I do not feel that you have been unfairly charged and regret that I cannot agree to refund your charges......"

 

Do I still file a court claim? The bank actually charged me over 600 in two weeks as I have £2 short for an initial DD. I was on holiday at the time so had no idea. If the fees aren't reduced then there should at least be a cap on how many times they can charge you.

 

Please help....

 

Thank you for your time....

[alice-rose]

Hi robbednomore,

 

This is a standard letter you have received from alliance & leicester.

 

I would say almost everyone on this forum has received this response.

 

It is intended to fob you off.

 

If you now intend to make a claim, you need to read as much as you can beforehand on this forum. It will make you feel much more confident.

 

There are lots of useful threads, advising when and how to claim.

 

and there are numerous templates in the Library to assist you.

 

you can claim on line using mcol

or you can begin your claim with your local court.

 

There are lots of friendly helpful members on this forum who will guide you every step of the way, should you now wish to make a claim.

 

I wish you good luck

 

alice x

[alice-rose]

hi again robbednomore

 

forgot to mention that

 

you can go down the court claiming route

or

you can contact the Financial Ombudsman.

 

(I have been advised of late - you can do both !)

 

again

you will find all the details on this site/forum.

 

bon chance

 

alice x

[robbednomore]

Thank you Alice. I will definately be filing a court claim! I just wanted to check that this was a standard response from A&L....

[alice-rose]

hi robbednomore -

 

its definitely a standard response

Like everyone else on here - I have had about 3 of those to date.

 

if you need any help....

 

just ask - we're all here to help.

 

alice x

[Jess68]

Hi robbed good luck with the court claim, just give a shout if you need help with anything

[squarebob]

I had to come ashore as the sea was getting a bit blustery,I hope that Jenny has stayed ashore and not had a wasted journey to come and see me.

 

Just to let you know ladies that the old 'Sea Dog' will be off the air tonite as he will be getting pampered and preened by 4 ladies from the WI.

 

I hope the parting will not cause too much hartache among my fans and also I hope that Jan(sus) having read her message, has forgiven the old fox for his errors.

 

Normal Service Will/May be resumed tomorrow.

 

Night Night Everyone xxxxx

[Jess68]

lol take care of u squarebob

[jansus]

Normal Service Will/May be resumed tomorrow.

 

Night Night Everyone xxxxx

 

 

Enjoy your pampering - is that what they call it now:lol:

 

I think we will just about manage for one night without you:(

 

 

And welcome to the person whos thread we have hijacked:D

[alice-rose]

do you think spong-bob is going to a 'message parlour' tonight ?

[jansus]

do you think spong-bob is going to a 'message parlour' tonight ?

 

Well I wouldnt be suprised.

 

Must be something quite special if the so called WI keep him away from us lovely ladies:D

 

Wonder what WI stands for ???

 

jan

[j.barton1]

Awww, my old peg-legless is off air..(ty for the nudge alice)...we can talk about him while he is not here.LOL

Jennyxx

[alice-rose]

I had to come ashore as the sea was getting a bit blustery,I hope that Jenny has stayed ashore and not had a wasted journey to come and see me.

 

Just to let you know ladies that the old 'Sea Dog' will be off the air tonite as he will be getting pampered and preened by 4 ladies from the WI.

 

I hope the parting will not cause too much hartache among my fans and also I hope that Jan(sus) having read her message, has forgiven the old fox for his errors.

 

Normal Service Will/May be resumed tomorrow.

 

Night Night Everyone xxxxx

 

 

 

Hmmmmmmmm

 

Well I must say I am a little Confused.

 

Thats 3 aliases this young chappie is going under:-

 

a Sly Old Fox

a Salty Sea dog

or plain old SquareBob

actually - he did refer to himself as Jack Nicholson the other night.

 

thats it - thats the clue.......

 

4 different W.I. Women.....

 

one for each persona

 

will be interesting to hear his

old shanty tales when he next comes on line.

 

thats if he doesn't get washed out to sea with all four women.

 

alice x

[j.barton1]

LOL Alice,

X

[vincymum]

Womens Institute, or West Indies?????

Personally I think it could be the latter.

 

Seems like std letter from A&L. Can't imagine they have time do send out anything else. (LOL) but you never know' which is why it is important to post any questions onto the forum.

 

The OFT are still looking into the level of charges regarding bank accounts, and have yet to report. Why are you concerned that they disagree with your view? If they agreed, then it would open up a hornets nest wouldn't it.

 

Lets see how feisty they sound once you issue a court claim, if that is the way you have decided to go.

[alice-rose]

VINCEYSMUM

 

HA ha ha ha ha

had a good laugh at the West Indies..... !

 

lets see what he has to say

when he shows his square-face !

[lesh45]

hello.. i have just won my case against the A&L and i would say go to the next step and file at court. do NOT back down you will win. and it wont go in the court anyway as with my case they paid up 2 days before the court date.. that letter you recieved is standard and i also had exaclly the same you will get letters from A&L solicitors saying they will defend. and send you letters saying the defence. just stick to your guns and dont back down. we are all here to help you and dont be affraid to ask.ok..

i am going for my second claim against A&L...

 

good luck..

[j.barton1]

WI........Wraggies Insiders.........SB's getting a massage from wraggies insiders:p

[hannahbarrett]

Hi there Rob & all... I have followed to steps & sent the letter off to claim back £400 worth of claims i also recieved this letter back (i presume it is a standard letter to for people off) Iv read up on the first step but as im looking on the site i cant seem to find any letters to help me out for the next step.

 

Help would be much appreciated.

 

Thanks Hannah

[alice-rose]

Hi there Rob & all... I have followed to steps & sent the letter off to claim back £400 worth of claims i also recieved this letter back (i presume it is a standard letter to for people off) Iv read up on the first step but as im looking on the site i cant seem to find any letters to help me out for the next step.

 

Help would be much appreciated.

 

Thanks Hannah

 

Hi Hannah Barrett

 

welcome to the CAG.

 

everyone here is very friendly and helpful.

 

to get the most help from us all it is essential that you start your own thread. otherwise your request for information on someone else's thread will not be seen - it will just get hidden away.

 

Very easy to start your own thread.

just use your chosen name i.e. name v Alliance & Leicester

 

NOT your own name for security reasons, as the Banks and solicitors actually look in on these forums

 

So the minute you start your own thread,

and start asking questions we will all come to your aid.

 

Good luck with your claim

 

alice x

[hannahbarrett]

Thanks alice, just done now!

[cazawilson]

Hi all

 

I have been reading alot of threads and noticed that more people are choosing to go down the FO route, as its free and you can still take them to court if you're not happy with the reply. I'm not saying you should do this just another opinion, but if they have taken so much money in a 2 week period maybe the Fo would be worth a try. I have read on here (somewhere) where somebody phoned the Fo filled in a form and received the total claim back within 4 weeks. It's worth looking into. At the end of the day it's a personal decision, whatever you decide you'll get loads of help on this forum. It's been my saviour:D

 

Caza

[robbednomore]

Hi,

 

I have just found this and wondered if you were all aware. I sent my claim with a cheque last week and now don't know whether to cancel the cheque and wait to claim after a decision has been made......?

 

 

The Financial Services Authority has granted waiver to the banks, so that they are no longer obliged to handle complaints about unlawful bank charges.

No, this is not because it's ruled that charges are lawful. In fact, it's because the Office of Fair Trading thinks they aren't lawful, and is taking a super-claim to court to get the matter settled once and for all.......

 

Big Blow For Bank Charges Victims - 27/07/2007

 

Robbednomore

[squarebob]

I sent a letter to the FOS today, stating how dismayed I was that the one bank that had wriggled and squirmed its way out of every bank charge claim ever presented to it, the one bank not prepared to put its neck on the line, should be allowed an amnesty the same as given to the banks prepared to put their neck on the line. The A&L will save a small fortune in, A/ not settling anymore claims, and B/ Legal fees it would have paid out if it had taken its case to court. And don't think for one minute that it does not know what the outcome is going to be. When do you think that the decision for the 'Test Case' was made? A&L put a nice pretty statement on their website, do you know how long it takes to put something like that together?

[jonoefc1]

I sent a letter to the FOS today, stating how dismayed I was that the one bank that had wriggled and squirmed its way out of every bank charge claim ever presented to it, the one bank not prepared to put its neck on the line, should be allowed an amnesty the same as given to the banks prepared to put their neck on the line. The A&L will save a small fortune in, A/ not settling anymore claims, and B/ Legal fees it would have paid out if it had taken its case to court. And don't think for one minute that it does not know what the outcome is going to be. When do you think that the decision for the 'Test Case' was made? A&L put a nice pretty statement on their website, do you know how long it takes to put something like that together?

hi bob

 

my claim was settled today 30th july against the A&L,so dont stop trying with nuges etc they are still paying up

Jono