Alliance & Leicester (merged)

jonoefc1

has anyone been to LCC and won against the A&L

darwin-rover

wotnoshoeseh wrote: »

darwin,
I'm surprised that you had to go to this extreme. I exceeded the o/d limit once, went straight into the branch as soon as I realised and deposited enough to bring it back within limits. Then I phoned from the branch (free phone call too), explained the oversight on my behalf, they accepted it and refunded the charges there and then.
Easier peasier.

Although in over 3 years this is the one and only time I have ever exceeded it, so maybe that is a mitigating factor. Don't know if your circumstances are different.

After the first few times of being charged for going over my overdraft limit (only by a few £s each time I might add) I went in to my local branch to see what could be done . They (manager included) said they couldnt do a single thing , I would need to phone telephone banking . They wouldnt even look at the charges on the computer at the branch , EVERTHING had to done via telephone banking . Phoned telephone banking and they were pretty unsympathetic and only refunded half of one of the charges , £12.50 of about £250 worth of charges in 4 months . These were mainly over the Xmas period a few months after we bought the house and we were running our finances pretty tight each month . We went over the overdraft limit about 4 times , but the last 3 times would never have happened if the first set of charges were significantly lower , it was a vicious circle , as the charges are the only thing that sent over the overdraft limit the latter 3 times !!!
The only reason I opened an account with A&L was my GF and I needed a joint account when we bought our house . Our mortgage was with A&L , but this brought us absolutely NO favours , sympathy or loyalty with the bank account .
I shall be closing the account down pretty soon (although according to the tone of the letter I received from them they will probably be closing it soon anyhow) , and I will be moving my mortgage from them when my 2 year deal is up in August and I will never darken their door again .

I advise anyone with illegal charges to do the same as it was one the the easiest things I have ever done . All done online , hardly had to lift a finger .

darwin-rover

cathy2702 wrote: »

Can I ask how long you had to wait?! I noticed on nicourtsonline that my small claims pack to them only went 21-05-07, just wondering how long it usually takes

Thanks & Well done

Cate

Only started the application at the end of April . Small claims pack sent 3rd May . Letter and cheque from A&L received 24th May .

darwin-rover

dj9928 wrote: »

Your lucky, They are doing everything to avoid me, even court actions doing nothing, and now the district judge has suspended all bank charge claims dont think i'll get anywhere

Apparently the banks (and maybe the courts) are awaiting the outcome of the OFT investigation . It will most likely set a figure they they say is fair for charges , probably around £12 the same as credit cards . You will then probably only be able to claim the difference after that .

wintye

Hi peeps

Well I found the T's & C's, and had put them in what I thought was a safe, easy to remember place.

Obviously I forgot where I had put them. I eventually remembered where I put them and then had to spend about 40 minutes to find the thread that I am to post them to.

Now I have to find out how to attach something on a thread. Have you seen the time I posted this thread, won't be on again until tomorrow night I think.

I have one for 2002 and one for 2006 I think. Will post on two different threads.

Will maybe start a ew thread also for everyone's copy of T's & C's.

It's not a great scan so if you would like a photocopy sent to you, it's not a problem, email me and I will email you my address so you can send a SAE and I will photocopy and send. A photocopy should be better.

Claire

wintye

Nope cannot figure it out and am so tired I don't think I could manage it if I had a step by step guide, lol.

Please message me if you would like the copy.

Night or should I say morning.

Claire

MimiJane

wintye wrote: »

Nope cannot figure it out and am so tired I don't think I could manage it if I had a step by step guide, lol.

Please message me if you would like the copy.

Night or should I say morning.

Claire

Helpful as ever Claire

I scanned my recent T&C's and printed them off ... they were completely illegible and very blurred, so ended up doing a copy (which isn't that good as the writing's so small and some of it's in colour:rolleyes:).

x

paul_d_8

I filled out my AQ today, all cool, but should I send a copy to solicitors?

Solicitors sent me a copy of defence AQ and they are also suggesting they will call on a witness. Oh Im so scared, I'm quaking in my booties.

Cant wait for the case now, and to meet the defence with their imaginary 'witness'

Grow up solicitors!!

wintye

paul_d wrote: »

I filled out my AQ today, all cool, but should I send a copy to solicitors?

Solicitors sent me a copy of defence AQ and they are also suggesting they will call on a witness. Oh Im so scared, I'm quaking in my booties.

Cant wait for the case now, and to meet the defence with their imaginary 'witness'

Grow up solicitors!!

Wow you're brave

They called 1 witness in mine and I'm panicking because they haven't called any in someone elses AQ. Do you really think they won't turn up?

Still telling myself they won't.

I think I may have made a couple of mistakes, can anyone advise???

1, On MCOL I have entered 1st defendant and 2nd defendant (A & L for both) as I was claiming on 2 current accounts, not sure now why I did it, do you think this matters.

2, I didn't send a copy of my AQ to the the solicitors, is this ok or should I send them a copy.

3, POC on MCOL entered the interest amount £3 less than it should have been. All other figures were correct including my main claim fugure. I have since sent an updated spreadsheet (with daily interest) to both solicitors and the court. Do I need to do anything about the poc being wrong?

Thanks for all your help
Claire

jackelliot

Hiya all,
just got back from holiday to find an offer for £180 from A&L (including £80 for the court fee). They are saying they are prepared to offer the difference between the original charges and £12, but not the interest. I am looking to claim around £700 inc interest!! I also recieved a load of bumpf that points out LloydsTSB successfully defended a case recently, which is also attached to A&L's 6 page "defense" in my case signed by a trainee !!!! Do I cash the check for £180 and consider myself lucky or do I bite the bullet and hope I can get at least this from a court? Any advice on this issue would be gratefully appreciated!!!!!!!