Alliance & Leicester (merged)

consnmattsmom

MimiJane wrote: »

Just had the second letter from A&L saying charges are fair, etc., etc. It mentions at the end that I can go to the Financial Ombudsman if I wish. Can someone confirm that this is a "standard" second letter please? Just want reassurance before I take them to court ...

My second letter came from the Debt Recovery Section and was pretty much the same as the first. Not sure why it came from there as my account has been closed for over three years and I dont owe them anything. I also sent my second letter to same place as first so I have started MCOL.

eyeball0001

MimiJane wrote: »

Just had the second letter from A&L saying charges are fair, etc., etc. It mentions at the end that I can go to the Financial Ombudsman if I wish. Can someone confirm that this is a "standard" second letter please? Just want reassurance before I take them to court ...

Yeah, i think thats pretty much the same as i picked up from my door mat yesterday morning.

I'm going to take them to court too... just need the £120 to do it!!

Becks_in_Debt

Thank you nickmack, I did have 14days in my letter, just in a rush putting it on forum before i finished work for the easter. They will receive the letter today, look forward to receiving a BIG FAT NO, from them soon, they also have intill 2moz to get the second lot of statements out to me, will giv them a ring in abit to chase them.
The Security Investigations Debt Recovery that I have been dealing with from A&L over the last year has the Carlton Park address on all the correspondance from them, wonder why they have changed their address all of a sudden?
Consnmattsmom - I would still go for the Carlton Park address as per what Martin said in the main page, They can always forward it on to them, not like they are not connected at all.

consnmattsmom

Becks_in_Debt wrote: »

Consnmattsmom - I would still go for the Carlton Park address as per what Martin said in the main page, They can always forward it on to them, not like they are not connected at all.

Hi Yes I did put the Carlton Park address on in the end. The letter from Debt Recovery section I got was a London address. I will wait now and see what happens. Hope it goes ok as the claim is for just over £900 inc int and court fee.

Becks_in_Debt

Just phoned A & L chasing the second lot of statements from them as the 40 days is up tomorrow, apparantly I havent sent a letter for that account , Funny though, two cheques for £10 that I sent to them on the same day (Cheque's stapled to the letter's) both cheques cleared on 19/03/07.
She said she is getting onto it and will get them out ASAP, and said I WILL receive them tomorrow, lets wait and see, I knew they would mess about with this account as I think they took the mick with this one (not like the other account £670 in 6mths :eek: ), this account goes over a few years and was the main account with most DD and SO coming out of it, well they were suppost to. (rough patch in mine and OH lives, if you read the forums you would know)

Asdablue

Can anyone help, never been on a chat room site before. Applied to have current account bank charges refunded only £200, but Alliance say it relates to credit card payments only and not current accounts. They said "The Office of Fair Trading has commented that they consider the level of late payments fees to be unfair, however, they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's fees on current accounts..." Is this right.

Can I still take it further and how do I do it.

Asdablue

nickmack

Asdablue wrote: »

Can anyone help, never been on a chat room site before. Applied to have current account bank charges refunded only £200, but Alliance say it relates to credit card payments only and not current accounts. They said "The Office of Fair Trading has commented that they consider the level of late payments fees to be unfair, however, they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's fees on current accounts..." Is this right.

Can I still take it further and how do I do it.

Although what they say is strictly true, they are trying to mislead you and put you off, ignore them.

Follow the process in the Step by step guide in my signature.

archery

Trying to claim my work colleague bank charges back from Lloyds TSB have recd two letters

first one basically says:

The office of Fair Trading has published new guideline on credit card default charges. were still talking it through with them, but the important point is that the guildelines are about "default" charges that people pay when they break an agreement with us. This doesnt apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. they are not default charges because you havent broken your agreement. they are our prices for the service we provide in these situations. they then go on to say i do hope you can see that we make our charging system as fair as possible - and why i cant agree to cancel your charges.

second letter recd within a within two weeks says i am update you on where we are with your complaint, and stating they will write again within the next four weeks.

Is it best to allow the four weeks as does not make sense that at 1st they say no to refunding charges then they say they are going to respond in another 4 weeks.

any advice would be gratefully recd.

many thanks

Asdablue

Thank you, I thought that was what they were doing. Not sure what you mean by following step by step guide in my signature ?

nickmack

Asdablue wrote: »

Thank you, I thought that was what they were doing. Not sure what you mean by following step by step guide in my signature ?

Below my reply in purple is a link to Martin's guide.