Alliance & Leicester (merged)

dj9928

MimiJane wrote: »

Everyone thinks their bank's the worst but, I agree, I don't see how any bank could be worse than this shower of s***s (they'll love that if they're reading this). One of the things that really gets me is the lies they're telling ... ringing the courts to tell them people have cashed cheques when they haven't. It's despicable and they should not be allowed to get away with it. Rant over ........

Plenty of successes in the last couple of months, but only when they've settled and it's always for under £700/£800. Who knows what's going to happen with the rest of us claiming larger amounts, only time will tell. There's a whole tranche of us with court dates looming and you're probably the first dj ... be thinking of you (next Friday?) if you have to go to court.

Mimi

Seboyle20 is before me, She's up 26th with the same district Judge as me, so at least i'll have a rough idea what way the judge plays it. I've to look forward to a week of going through my court bundle in fine detail now, even though the Judge says I don't need it. I'm just curious as to why I don't need a court bundle? Have the judges seen that many now they know the details of by heart?

MimiJane

dj9928 wrote: »

Seboyle20 is before me, She's up 26th with the same district Judge as me, so at least i'll have a rough idea what way the judge plays it. I've to look forward to a week of going through my court bundle in fine detail now, even though the Judge says I don't need it. I'm just curious as to why I don't need a court bundle? Have the judges seen that many now they know the details of by heart?

Should be interesting to see what happens with Seboyle20 then ... like you say, this should help you have some idea. Yep, I'm sure the judges have had enough of staring at the same 'old papers

bjt261060

I have had an instant reply stating that the charges that can be recovered only apply to credit card charges. I think this is a standard response as itarrived the day after they recieved my claim. I will phone them on Monday and keep you updated to thier response.

Stephen_Leak

bjt261060 wrote: »

I have had an instant reply stating that the charges that can be recovered only apply to credit card charges. I think this is a standard response as itarrived the day after they recieved my claim. I will phone them on Monday and keep you updated to thier response.

It sounds like the standard response from a lot of banks at the moment.

Your first claim letter should give them 14 days to reply. If you have not received an acceptable reply by your deadline, send them the second “Letter Before Action” letter.

At this point, you have to decide between referring your claim to the Financial Ombudsman and starting court proceedings.

If you don't think that you could successfully handle a court claim, or can't afford the court fees and aren't eligible for fee relief, then the Financial Ombudsman is an alternative. It is free of charge and handles everything for you. However, they cannot force the bank to pay up, set the level of the settlement or award interest like a court. Despite this, a formal investigation by them is something a bank will do almost anything to avoid, and their success rate is good. However, if the Financial Ombudsman is unsuccessful or the settlement is unacceptable, you can still start court proceedings.

If you threaten to refer your claim to the Financial Ombudsman, give them until 8 weeks from the date of your first letter to reply. However, if the reply either suggests that you now refer your claim to the Financial Ombudsman or says a definite no, then you can refer your claim to the Financial Ombudsman straight away. If you have not received any reply for the 8 weeks, you can then refer your claim to the Financial Ombudsman.

If you threaten to start court proceedings, give them 14 days to reply. If you have not received an acceptable reply by your deadline, then start court proceedings on Money Claim Online.

Please read the Reclaim Bank Charges Help thread.<O:p</O:p

nettie520-0

Any help would be appreciated. My son has an A & L Account and has got as far as issuing a Court Order. He has just had a reply from them with a cheque for £843.00. He has claimed £2900 from them so will be sending the cheque back with a letter to them. Any ideas on how to word a letter to them. Thanks a lot.

arkhoose

Help... need advice from someone who has either been down this road already, or at least knows more about this than me! I have been chasing the Alliance & Leicester following all the template letters and have reached the stage that I threatened with Court Proceedings and received a reply stating they were looking into the issue.. that was 11th June.. received a letter today offering me a refund of £66 as a full and final settlement..
This has thrown me completely as my original claim was for £577, and I threw in added interest...
£66 - they have to be joking..
Are there others out there that the A & L are making fools of too?

Help, can someone please advise, I have until 20th July to accept their offer!

Regards
arkhoose

Stephen_Leak

arkhoose wrote: »

Help... need advice from someone who has either been down this road already, or at least knows more about this than me! I have been chasing the Alliance & Leicester following all the template letters and have reached the stage that I threatened with Court Proceedings and received a reply stating they were looking into the issue.. that was 11th June.. received a letter today offering me a refund of £66 as a full and final settlement..
This has thrown me completely as my original claim was for £577, and I threw in added interest...
£66 - they have to be joking..
Are there others out there that the A & L are making fools of too?

Help, can someone please advise, I have until 20th July to accept their offer!

Regards
arkhoose

Write back to the bank, politely refusing it. Continue your claim.

Lou1975_2

Hiya all,

I'm in the latter stages, with A&L, of trying to claim back £6,705 worth of bank charges and interest.

I have completed the court AQ and I am now just waiting on a court date. The AQ had to be in by 18th June, but I returned it in person on 11th June.

Just wondering if there's anyhting I can do to give them a 'gentle push'? I've been looking on here and the CAG website to see if there's a template letter, but can't seem to find anything.

I would settle for £6k, and just wondered if it would be worth sending them a letter stating this.

Any advice would be greatly apprieciated!

Many thanks

seboyle20

HI Guys, just to let you know that I ahve negotiated a deal with A&L who, through a solicitor, have agreed to pay me my charges less interest and court fees.

Not bad considering im up in court tomorrow. Thank god i dont have to go now.

Sarah

MimiJane

seboyle20 wrote: »

HI Guys, just to let you know that I ahve negotiated a deal with A&L who, through a solicitor, have agreed to pay me my charges less interest and court fees.

Not bad considering im up in court tomorrow. Thank god i dont have to go now.

Sarah

Well done Sarah So pleased you don't have to go through all that. Let's hope dj has the same success.

Mimi