Alliance & Leicester (merged)

chrispog39

Evening,
does anyone know if there is any truth in the rumour that if you are in arrears on say your mortgage or classed as a HARDSHIP CASE that the banks/judges cannot put a stay on your claim?? and your calim has to come to some sort of conclusion!!!

just a thought!!

paul_d_8

Mimi or anyone else

can you point me in the direction of terms and conditions for A&L from 01 - 07. Court bundle needs to be in within a week. Also any use in including Mcnamara and Whistleblower?

Thanks

MimiJane

Many of the T&C's are on the CAG forum, under A&L. Found the link for you below. You only need to include your first claim year and your last. If you can't find the years you need, include the nearest ones you can find or, alternatively, join up on the CAG forum (if you haven't already) ... well worth your while, the folks on there taught me everything I needed to know to win my case :-

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

As regards the two reports, yes, I'd include them ... best to play safe and include as much as you can, unless you've only been asked to provide your charges schedule and bank statements, as a few people have.

Mimi

MRS_C_6

I have been recently charged 107 pounds by the alliance and leicester for oevrdrawn charges. The bank has requested full payment which I refused to pay as I believed these charges were ridiculously excessive considering my account was only overdrawn by 15.38p. They have now closed my bank account and have sent me a letter saying taht unless I pay the o/s amount in full they will commence legal proceedings and my credit rating will also be affected. Should I pay the bank back and reclaim later?

gillian0201

I wrote to the Alliance and Leicester to reclaim bank charges which arose from letters sent if I was a few days late paying my morgage. They replied saying their first letter was free but if the arrears were still outstanding then they were entitled to charge £35 a letter in accordance with their publicised schedual of charges. These letters have amounted to over £2,000 over six years surely that can't be right?
By the way I sucessfuly recieved £ 1,500 in charges from HSBC thanks to your letter templates....thank you

nickmack

gillian0201 wrote: »

These letters have amounted to over £2,000 over six years surely that can't be right?

Please read the two links in my signature. You can start your claim, but it probably won't be decided in court until after the test case.

SHARRON1000

thisbee_81 wrote: »

A&L are still making unfair charges on my current account and are refusing to refund these. Has anyone had any joy with them?

hello everyone, I am with the a&l and put in a claim for £2711.76 inc interest, they sent an offer of £900 which was rejected, since then they have charged me £288 extra of charges, when I phoned them yesterday they said the only thing you can do is close your account and repay your charges back over 6 months BUT some of these charges were from 2 months ago, so I have rewritten my letter and said I will settle for half of my charges and the £288 on top and that will be the end of it as some is better than nothing and this is been going on for 4 months now and I am in dire need of cash to pay my bills. they said when we get your letter we will look at it.:mad: it is driving me mad, its my bloody money.

chrispog39

Afternoon Everyone,
Just wondering if anyone out there could help me please??
************************************************** ****************
I have a court date fixed for the 30th August at Wolverhampton Crown Court against the Alliance & Leicester, where they have informed me that they intend to have my claim "STRUCK OUT"

So i have contacted the court today to be told that i need to get my case together and submit a COURT BUNDLE? to back up my case (just in case it gets to court!)

So my question is could anyone please tell me what needs to included in this bundle please, as i'm not too sure!!
**************
Thanks in advance
**************
Chris x

mwah79

I'm really sorry if I'm going over previous chats but can someone please clarify a couple of things:

1) my understanding of the FSA announcement is that the current waiver is to do with unauthorised overdraft charges. therefore can you still claim for direct debit charges?

2) if the bank or building society has not signed the FSA waiver agreement, must other banks etc continue with complaints about direct debit charges?

my personal story, I had to bail someone out with quite a bit of money, during a time when I could not transfer money across and unfortunately had four unpaid direct debits because of the risk I took. Total of these direct debits together was £108.32, alliance and leicester charged me £161 (inc unauthorised overdraft facility of £25). Now I could be wrong but if the FSA enforced credit card charges to fall to £12 because they were not proportionate to the amount of payment requested, I believe that they should reimburse a certain amount.

It is the first time I have received such charges and I politely requested them to be reimbursed at the start of July but unsuccessful. now that the announcement has been made they have put my case on 'hold'. Surely only banks that have signed the waiver can put accounts on hold; I'm sure the FSA has stated that only charges linked to unauthorised overdrafts have been stopped the banks must still fulfill their job in dealing with other compliants relating to current accounts.

Sorry its lengthy!

Tararabumdiay

Hi helpful people,

Received a Notice of issue from Warrington County Court that said that claim deemed to be served on 1st August and that A & L had till 15th August to reply.

Yesterday we have received an undated long letter from A & L stating they have asked FOS & courts not to proceed with any other cases until test case resolved, and that they intend to apply to Court for an order to stay our action until resolution of legal proceedings with OFT.

Today we received letter from Wragge & Co enclosing Acknowledgement of Service giving notice of intention to defend.

It says "if you file an ack. of service but do not file a defence within 28 days of the date of service of the claim form, or particulars of claim if served seperately, judgement may be entered against you [I assume by saying you it means A & L, not us?]

If you do not file an application to dispute the jurisdiction of the court within 14 days of the date of filing this ack. of service, it will be asumed that you accept the courts jurisdiction and judgement may be entered against you"

Couple of questions I need help with pleaseeee.......
Do I need to respond or not, if so is it to Wragge or Courts or A & L or all three?
What happens next?
Re. A & L letter sayint they want a stay, does this mean I'm not going to get anything sorted for month?

I am going on holiday next Friday and just want to make sure I am doing everything correctly before I go.