Alliance & Leicester (merged)

Stokey125

fungums wrote: »

hello all,
my first post here, so please be gentle with me.
im here to reclaim the ludicrous amount of money that alliance and leicester have pilfered from our account.
Me and my OH have only had the account for just over three years. as he is a self employed plasterer, it is sometimes a case of famine or feast in this household, pity that our bank doesn't understand that!
somebody told me about sending of a subject access request. ive done this, and it arrived yesterday. i got a highlighter pen from asda and sat down this afternoon to do the sums, it seems that since june 04 they have taken just over 6.5K from us.
so what are our next actions?
by the way my user name is from some sweet wrappers in front of me on the desk, not an indication of any hobbies i may have.;)

You should use the leeters in the resource bar in order

Stokey125

j0s3 wrote: »

my charges are months old.

what i'd like to know (and i presume candles too) is whether the A&L
can legitimate say this, even though they are not one of the banks
involved in the OFT 'freeze'?

A&L claim that they have been granted this by the OFT - this is what's
the causing the confusion here:

are they lying (can they lie about something like this?)

attacking them with a letter telling them I know they're not
one of the banks involved doesn't really prove anything, since
that's not what they're claiming directly. they're sayign that
the OFT has grated them this privilege of placing everything
on hold.

I am ignorant when it comes to how banks and the OFT work -
is this 'freeze' only granted to the banks involved in the case and
nobody else? or could they have granted this to the A&L also?

many thanks for your feedback (and your patience) so far -
i'm hoping that I can work out my next move from what I learn here

jose

As I understand the position apart from the banking groups who are aprt of teh court case other banks can ask for a nd wil be given a waiver on the same terms.

MarkyMarkD

Whilst A&L are not a party to the OFT court case, all banks are entitled to ask for a waiver from the FSA's complaint handling rules.

A&L have done so and have been granted it.

So they do not have to deal with your complaint - they can give the standard response that they'll respond after the OFT case is heard and a decision reached.

As regards court action, A&L can ask for a stay to any court action in the same way as any other bank and they will do so. So there's no point starting court action at all unless you are going to get time-barred if you don't - hence the 6 year comment in Stokey's post - and even if you are about to get time-barred you are (IMHO) risking your court fees if once the decision arrives it is against you.

fungums_2

thank you for your answer, i eventually found the resource bar . i also found an interest calculator, which i cant work out.
is it necessary to add the interest at this point (i understand it can be used as a bargining tool, or the threat of it at least).
i take it that i need to include a spread sheet of sorts with my "this is what you owe me" letter? is there a template spread sheet on the site somewhere?
sorry if i sound thick, but its all new to me.

j0s3

thanks guys - that clears that then...

let's hope it's a decision against the banks... (why don't i believe that?)
:rolleyes:

Beate

Just make a a table with Date, Amount and Name of Charge and fill it in. It is not necessary to add the interest at this point, but the calculator is really easy to work, just input every charge individually with date and amount, and it will calculate the amount up to today.

loopylara

hi Mimi,

Thanks for your reply, The deadline for Alliance and Leicester to put in their defence was Friday, and I don't know if they put in a defence or not?
I did receive a letter from them Saturday saying that they are involved in the test case so my case has been put on hold. Does this mean I can't ask the court for judegement? shall i still send them that form you sent me?
Thanks
Loopylara :rolleyes:

MimiJane

paul_d wrote: »

Mimi

I may be a little bit stupid or something, but ive been round and round all recharging sites, including your links for T&Cs from Feb 2001 and anywhere near Jan 2007. Finally got somewhere Feb 2001 but struggling for later ones. The archive sites dont work properly and most links are duffs.

Could you please send me one near to Jan 2007?

Thanks

If you can't find them on the CAG site, then they probably don't exist. It looks as if they've not been updated every year religiously, just when they've seen fit to do it. Just insert the ones nearest to the year/dates you want and put a note on your index to that effect.

Unfortunately I cannot magic up T&C's for everyone ... wish I could

MimiJane

chrispog39 wrote: »

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

I've posted loads on court bundles in previous posts on this thread ... it can consist of anything from a few pages to a couple of hundred. It will tell you on the paper informing you of your court date what is required, or should do You need to post exactly what the judge has asked for.

MimiJane

loopylara wrote: »

hi Mimi,

Thanks for your reply, The deadline for Alliance and Leicester to put in their defence was Friday, and I don't know if they put in a defence or not?
I did receive a letter from them Saturday saying that they are involved in the test case so my case has been put on hold. Does this mean I can't ask the court for judegement? shall i still send them that form you sent me?
Thanks
Loopylara :rolleyes:

If Friday was definitely the deadline (in calendar days), apply for judgement ASAP. If you haven't received a defence, they haven't submitted one in time. It's entirely up to the court if a "stay" is instigated, not A&L (though they'll obviously push for it!).

Good luck