Alliance & Leicester (merged)

EssexGuy_2

arkwright2 wrote: »

Exactly the same happened with my claim. The Warrant was issued on 4th May and sent to the bailiffs in Liverpool. A&L paid the court on 16th May, but the court keeps the money for 14 days under the Insolvency Act 1986, then I suppose the court will send me a cheque (not sure if it's the original one from A&L or one written out by the court). I assume they keep the money for 14 days to ensure A&L's cheque doesn't bounce , which means it must be a court cheque. Whichever way, I should have my money by the end of the May.

So, between judgment being entered against A&L and getting the money, it's about 4 weeks.

Thats great news, thanks for the info. I'll give them another week then get the warrant rolling!

seboyle20

I posted paperwork directly to Wragge & co and they told me didnt get even though i had proof. Wragge couldnt possibly have enough people to defend all the cases currently going to court.

Sarah

vinegarvera

Hi, Regarding A&L closing accounts
I recently had a conversation with a lovely lady from A&L :
I had a letter saying they were closing my account due to the fact that I did not agree with the T & C as I had complained about my bank charges ( a very small amount).
We talked about the customers right to complain and she said that if I agreed to the T and C I could appeal to keep the account open.
I refused on principle as I will not compromise my beliefs that the charges are excessive, and will not be dictated to as to what I can make a complaint about.
She extended the closing date of the account and said if I changed my mind I could appeal and keep the account open! (NO CHANCE)
After a lengthy conversation, she agreed with everything I said and admitted that A&L had lost a lot of good customers!
I then contacted FO who said that I had a case for compensation and they would look into the claim for me!
I shall let everyone know the outcome.

jane_sanderson

My future DIL is trying to claim back unlawful bank charges from Alliance and Leicester which amout to just over £1000pounds.She has sent the 2 standard letters, but they are still refusing to pay-saying that she knew the T&C when she started the account.
Should she go to the financial Ombudsman-or does she have to instigate the Small Claims Court procedure??
She has sent the last years statements to A&L with the second letter. Can she ask for them back to send to F.Ombudsman?
Advice gratefully accepted!

teddygirl_3

I am at the court stage now as A & L have been useless. Offered £130.00 (£700 claimed) As I am in Scotland the process is ever more complicated due to Scots law. I suggest to anyone in Scotland to find out correct procedure regarding filling in forms before going to court. My court has a law help line who has been a great help as the examples shown here in the process of claiming (court letters) are English law not admissable in Scotland and will be refused.

Good luck to all who are claiming

sixxdog_UK

MandyMS wrote: »

How are you getting on? have you had an offer, or are you prepared for court? Good luck, and let us know the outcome:T

Hi Mandy,

Well it all seemed to be going ok for a while but negotiations seemed to have stalled now , so unless i get a settlement in the next week i'll just stop communications and see 'em in court.

Sixx:mad:

Twinkly

jane_sanderson wrote: »

My future DIL is trying to claim back unlawful bank charges from Alliance and Leicester which amout to just over £1000pounds.She has sent the 2 standard letters, but they are still refusing to pay-saying that she knew the T&C when she started the account.
Should she go to the financial Ombudsman-or does she have to instigate the Small Claims Court procedure??
She has sent the last years statements to A&L with the second letter. Can she ask for them back to send to F.Ombudsman?
Advice gratefully accepted!

She can take the case to court at this point but if she prefers she can also take it the FO. The choice is hers really. The fact that the charges were stated in the T & C's doesnt make them lawful and the bank do know this. Theyre fobbing her off basically.

She will need to ask for her documentation back, she doesnt have to give a reason, as she will need proof of the charges for both the FO and court, whatever one she decides to use.

Either way she can get these charges refunded eventually and good luck to her

Stephen_Leak

The days when the banks meekly paid out after two well worded letters are long gone. However, you do still have to "go through the motions", to show either the judge or the FO that you have tried and failed to reach a settlement.

The choice of escalation path is yours. The court is more reliable, but does involve some financial outlay and a lot of work. The FO is less reliable, but is free (which is useful if you cannot afford the court fees and are not eligible for court fee relief) and less work than a court case. However, you do have to argue the toss with the bank for 40 days, before you the FO will accept a case.

You didn't send copies? You will just have to ask the bank for them back. If they still have them and won't give them back, it wouldn't look good with the judge or FO. If they no longer have them for some reason, you might have to make another SAR request to get them.

sixxdog_UK

Hi Guys,

Ok, so it looks like i'm gonna have to go to court if the A&L don't back down pretty soon.

As part of my court bundle i want to include the OLD T&C's / Contract that was in force circa 2002 (date my first disputed charge was raised) , i'm sure i have it somewhere but if not it would be nice to know if i can get it elsewhere.

Have any of you guys got a 2002 A&L contract / T&C's ?

If so , can you private message me and we can exchange email's

Also do you think under the data protection act i would be able to get a copy of my original contract which would still be on file i guess?

Many Thanks,

Sixx.

MimiJane

Hi sixxdog,

Don't know whether or not you've looked at this link on the CAG site :-

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/90733-l-terms-conditions.html

I can't find any T&C's for 2002 there, but someone gives a link where you might be able to look them up (though personally I can't work it out:rolleyes:).

Anyway, good luck and hope you find them