Alliance & Leicester (merged)

Edinburghlass_2

LFCGUY wrote: »

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??

Yes you can keep it as part payment but do make sure you write "without prejudice" on your letter.

nycalvin

Thank you, I'll use this template if it's ok with you?

Peter

Rex_Mundi wrote: »

I had this situation with one DPA request and Natwest. This is the body of the letter I sent as soon as the 40 day time limit was up. The letter was sent registered post to arrive the next day. Two days after sending the letter, Natwest were on the phone saying that the statements are on their way. They arrived another two days later. Fill in your details where needed, this should get A&L moving.

(text of letter)................

ACCOUNT NUMBER XXXXXXXX

I sent a letter and £10 cheque on the [insert date of first request] requesting six years of bank statements as is my right under the Data Protection Act. I have been expecting copies of my statements within the 40 days stipulated under the D.P.A. As yet I have not received any correspondence from you.
By not supplying the information I requested, you have breached my rights under the D.P.A. You leave me with no alternative that if I do not receive copies of my bank statements within the next seven days, I will forward copies of my requests to the Information Commissioner.

I look forward to your timely response.

Find enclosed a copy of my original letter.

ss1973

Hi,

For everyone out there claiming from A & L - stick with it! I had to "MCOL" them but they acknowledged the claim and sent me a cheque for the full amount, and interest and the court fees within 5 days of acknowledging them.

They are no worse or better than anyone else at paying up (as I've found out!).

S

MimiJane

jenny5969 wrote: »

: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!!

If you have a look at the Success Stories thread, there are a number of people who've successfully claimed from A&L ... quite large amounts in some cases. A&L appear to acknowledge, state their intention to defend, then pay up a few days later.

Smashbutt

What do I do? I got a letter this morning and a cheque for £180, quite a difference from the £950+ £200 odd interest from Alliance and Leicester. Its says the following

We believe that our charges have been made in accordance with the terms and conditions of your account, of which you have been given a copy. However, having considered the particulars circumstances of your case and taking into account the oft review, in order to resolve this matter we are prepared to refund the sum of £180

This reflects the difference between the amount of charges for unpaid items actually applied to your account and the amount of charges that would have been applied to your account if the charge had been £12. On the basis that this offer is acceptable to you. we enclose a cheque for £180 (being the amount that the oft indicated was not unreasonable in relation to credit card default charges, in full and final settlement (THIS IS A BANK ACCOUNT NOT A CREDIT CARD) if you do not wish to accept this offer please return the cheque to us cancelled or confirm in writing it has been destroyed.

Yes its a bank account not a credit card. What do I do?? I get the impression if I accept the cheque thats it, I can not persue the rest? I have filed a claim do I just let that run on or what

Hi mate

I'm in exactly the same boat. I'm claiming just under £600 and they sent the same letter but with a cheque for £62. That doesn't even cover the court costs!

So I will be returning it, stating my intention to pursue the full ammount.

Does anybody know if I have to do anything with MCOL or do they write to me?

Thanks

Steve

eyeball0001

Well, i've started the MCOL stage this morning and issued a claim against A&L for just over £2,800!

judderi

I currently have a case running against Alliance & Leicester. So far they have responded to the claim. I have a few questions now.

a. Does it matter if im not around for the close date. Im on holiday i think.

b. How do i find out the close date?

c. Does anyone know of a trend with alliance and Leicester? i.e do they respond to the claim but then dont put in a deffence? Or pull out the day before closure?

Thanks in Advance.

Becks_in_Debt

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

This is what I read on here when I first started back in march, Martin stated that the first letter goes to Bootle and all the others go to the Carlton Park, Narborough address, Carlton Park being their Head Office This is where I assume they deal with all issues like this, where as Bootle is prob were all the data is kept (dont quote me on that is why these letters go to theses address)

eyeball0001

Did you do your MCOL, becks?

MimiJane

judderi wrote: »

I currently have a case running against Alliance & Leicester. So far they have responded to the claim. I have a few questions now.

a. Does it matter if im not around for the close date. Im on holiday i think.

b. How do i find out the close date?

c. Does anyone know of a trend with alliance and Leicester? i.e do they respond to the claim but then dont put in a deffence? Or pull out the day before closure?

Thanks in Advance.

The timescales are all listed in the reclaim help thread. A&L seem to either pay up soon after they've acknowleded or, more commonly, take it to defence stage and pay up within a month after that, so it doesn't get to court (though you should prepare yourself to attend just in case).

I started court proceedings on 10/4 and they haven't acknowledged yet ... expecting them to on the last day.:rolleyes: