Alliance & Leicester (merged)

dj9928

Warriorsith wrote: »

If your happy with the amount on the cheque than except, if not return it and state your after the full amount. OFT has not set a £12 limit for charges and there is a letter that states that somewhere in this forum.

It's a delay tatic eitherway and you should stick to your MCOL if you wish to send the chque back.

No I'm not happy, the offer is laughable really, I understand there is a £12 limit on credit cards, and they refair to this as a credit card but its a premier current account.

jenny5969

Clemm_01 wrote: »

I bought my first house in April and opened a new account (as per Martin's advice) - the A&L Premier Direct account with a £1000 o/draft which I desparately needed.

So we all know what an expense it is to get on the housing ladder, and I've incurred £547 worth of overdraft charges and failed DD default charges between May and October 2006.

I've opened a new account, sent my two letters to A&L, received their standard responses (as others have noted) so I have now claimed my money online with Moneyclaim.

I'll keep you posted as there seems to be a distinct lack of people that have claimed from A&L and I'm certainly anxious!

:cool: I do agree there are very few ppl commenting on taking on the A&L I have just recieved correspondence from them stating the same as those above................
BUT
I Will not be letting it deter me If I have to go to court I will:D

I took on the credit union last year (as they added almost £400 onto the balance of my loan) The judgement went in my favour

---

IT was a small claims court and not as SCAREY as I had imagined:T :T Just GO FOR IT!!

jenny5969

neiljor wrote: »

Hi Guys,

I'm just about to send my second letter to the Alliance & Leicester claiming £430. Hope I'm as successful as most of you! Has anyone used the Northern Ireland Small Claims Court to do this? Does it make any difference?

Thanks
Neil.

Hi there I was just wondering how you got on with ur case???? I also live in Northern Ire. & have just recieved my 1st letter back from A&L stating the charges are fair blah blah so its off to court we go:A

dj9928

jenny5969 wrote: »

Hi there I was just wondering how you got on with ur case???? I also live in Northern Ire. & have just recieved my 1st letter back from A&L stating the charges are fair blah blah so its off to court we go:A

Heres a tip, Take your local A+L branch to court, I'm in Northern Ireland also, if you don't you'll wait about a month and think your getting somewhere only to receive a letter from Northern Ireland courts service saying its an outside Jurisdiction and different laws etc apply and you have a few things to sign, so basically you wait a month and the court papers haven't even been sent out to Alliacne and leicester in England.

I filed against my local branch and the papers where sent out in 2 days.

jenny5969

:rotfl: Thanks for the advice I will do
Cheers:p

dj9928 wrote: »

Heres a tip, Take your local A+L branch to court, I'm in Northern Ireland also, if you don't you'll wait about a month and think your getting somewhere only to receive a letter from Northern Ireland courts service saying its an outside Jurisdiction and different laws etc apply and you have a few things to sign, so basically you wait a month and the court papers haven't even been sent out to Alliacne and leicester in England.

I filed against my local branch and the papers where sent out in 2 days.

jenny5969

Becks_in_Debt wrote: »

the first one goes to the bootle, merseyside requesting bank statements and the rest to the carlton park, narborough address

Hi Becks in Debt

why do the letters not go to merseyside, Bootle??
Sorry I am just off to post mine now just checking on the correct address
Cheers

MimiJane

jenny5969 wrote: »

Hi Becks in Debt

why do the letters not go to merseyside, Bootle??
Sorry I am just off to post mine now just checking on the correct address
Cheers

I believe Narborough is the Head Office address, which is the one which should be used when your case is progressing. It's certainly the address I've used.

ODC

Hi, :eek:

This forum has a hack of a lot of good info...but does anyone have any experience of claiming more than the £5000 smalls claimis limit.

I totaled my charges up and with interest it comes to just under £8000 and am not too sure wether to lower the ammout to £5000 and go for the risk free option of the smalls claims court or try and go for the full sum.

I've already got my first reply from A&L saying the charges were lawful and I'm considering sending a further letter offering them a discount for paying up early.

Anyone got any tips:beer:

LFCGUY

Warriorsith wrote: »

If your happy with the amount on the cheque than except, if not return it and state your after the full amount. OFT has not set a £12 limit for charges and there is a letter that states that somewhere in this forum.

It's a delay tatic eitherway and you should stick to your MCOL if you wish to send the chque back.

I wonder can I keep this cheque as part payment and tell them I will take this as part settlement but will continue to persue them through court for the rest or should I just send it back??

Edinburghlass_2

ODC wrote: »

I've already got my first reply from A&L saying the charges were lawful and I'm considering sending a further letter offering them a discount for paying up early.

Anyone got any tips:beer:

Have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=407082