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A and L claiming money from me!!
derby_county
Posts: 12 Forumite
Hi all,
Hoping someone can help, I like others have claimed winning against many banks but one outstanding I had was A and L.
When I originally wrote to A and L they advised me of the test case etc so would not pay out until decision.
They then wrote to me after the decision had been made and said my complaint had failed so to speak.
They then wrote a month later advising that I owe them just under £500 and to contact them with regards to a payment plan!
The £500 is all charges such as overdraft fees etc and that is why my account has been overdrawn, month after month they had spilled over, the account was de-activated in 2008 so not been able to do anything with it! The charges stopped in 2008 and not heard anything.
Can they request the money back?
Can I counter their claim and file a court case? (been there done that and won!)
The only way I can see me not having to pay this is if I file a court claim and hope they dont turn up due costs so I win by default.
As you can imagine I am cheesed off as i have had to wait two years to claim the money back and yet they want theirs immediately.
Any ideas guys?
Hoping someone can help, I like others have claimed winning against many banks but one outstanding I had was A and L.
When I originally wrote to A and L they advised me of the test case etc so would not pay out until decision.
They then wrote to me after the decision had been made and said my complaint had failed so to speak.
They then wrote a month later advising that I owe them just under £500 and to contact them with regards to a payment plan!
The £500 is all charges such as overdraft fees etc and that is why my account has been overdrawn, month after month they had spilled over, the account was de-activated in 2008 so not been able to do anything with it! The charges stopped in 2008 and not heard anything.
Can they request the money back?
Can I counter their claim and file a court case? (been there done that and won!)
The only way I can see me not having to pay this is if I file a court claim and hope they dont turn up due costs so I win by default.
As you can imagine I am cheesed off as i have had to wait two years to claim the money back and yet they want theirs immediately.
Any ideas guys?
0
Comments
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By derby_county
The only way I can see me not having to pay this is if I file a court claim and hope they dont turn up due costs so I win by default.
Might work - but do you want them to default you?Disclaimer - Info about the law is designed to help users safely cope with their own legal needs. But legal info is not the same as legal advice -- the application of law to an individual's specific circumstances. Although I go to great lengths to make sure my info is accurate and useful - please seek the advise of a lawyer before you act..
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Pretty sure they have already done that!0
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ooops!
What triggered the charges in the first place?Disclaimer - Info about the law is designed to help users safely cope with their own legal needs. But legal info is not the same as legal advice -- the application of law to an individual's specific circumstances. Although I go to great lengths to make sure my info is accurate and useful - please seek the advise of a lawyer before you act..
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Not sure to be honest,
I think it may have been going overdrawn and gone from there i imagine...
I will be writing back asking them for all letters sent and received plus statements etc so i can exactly work it all out0
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