Alliance & Leicester (merged)

jdallen3110

MimiJane wrote: »

Continue with the claim and use the template letter threatening them with court action. Their words are meaningless with regards to credit cards and current accounts ... their charges are unlawful, full stop. If you're charged say £35 for a failed DD, this is no where near the actual cost to the bank (which is much less) and this is what it's all about. Loads of us are claiming for current accounts (me included) ... they just want to frighten you in backing down ... DON'T!

many thanks mimijane i have just this sec posted letter and will keep you informed as to what happens in the 7 day time limit i have given them

MimiJane

jdallen3110 wrote: »

many thanks mimijane i have just this sec posted letter and will keep you informed as to what happens in the 7 day time limit i have given them

That's great A word of warning though ... I also gave them 7 days in my third letter, which is fine, but they legally have 14, so make sure you don't start court proceedings 'til you've given the full them 14 days to reply. I'm sure I've read of one of the banks getting a case thrown out on a "technicality" where someone didn't give them enough time to reply before starting MCOL.

Good luck and keep us posted!

paul_d_8

Just received the notice of transfer from Northampton to local court, lol, im dead excited believe it or not. Ive got all my court bundle papers ready to go, and Ive even been polishing up my speech, of course I'll be saying it to myself because A&L or anyone defending them wont be around.

Im quoting the usuals .... Dunlop etc ...unfair penaulties... disproportionate ... disclosing cost structures .... the whole flinking lot.

I'm really going to go out there in my best suit and shined shoes, and have a whale of a time. Come on A&L, once and for all (we know you watch the forum) acyually stand there and DEFEND A CASE YOU COWARDS - SET A PRECEDANT. I have also prepared a schedule of associated costs such as postage etc, and if A&L don't show up I'm going to ask the judge to allow them as A&L had no intention of showing up. May work, may not ..... good luck Mimi, Eyeball etc

Keep strong everyone, and remember to go to the ombudsman if they threaten to close your account. Apparantly it costs them £400 just to go through the process!!

Keep pushing everyone.

Oh by the way, i have not had to fill in an Allocation Questionnaire, I wonder why lol ...

eyeball0001

You may have yet to fill one out - i think it depends on your local court.

Do you have an actual date yet?

paul_d_8

eyeball0001 wrote: »

You may have yet to fill one out - i think it depends on your local court.

Do you have an actual date yet?

Sorry matey, didn't see your response, was too busy playing The View on my guitar!!

Court blokey said we wouldnt have to do QA ... No, no court date yet. A&L will be pleased, they will be hoping for a OFT ruling before they go to court against us £1,000 plus boys. Remember though, the OFT ruling will not be legal, just an opinion, £2, £5, £10 or £12 ho de hum £12 in-flimping-deed!!

We will all win because fundamently there is a precadent, and they cannot and will not justify their outragous charges (oh sorry, admin fees!!! I mean behave!!)

Keep it up everyone :rotfl:

paul_d_8

Talking of guitars, I've just seen a Martin for £2,000 in a local shop .... hmm wonder if the A&L will pay for it out of my 'winnings'? lol

Keep laughing!!

sandra123

can someone help. Ive got a letter from alliance and leicester bootle telling me that the oft are not referring to bank fees in their comments about late payment fees but are only referring credit card payments that are quite distintive from bank fees on current accounts and they are not paying up.

what do I do next? is this a bluff or should I go to small claims now?

marvie_2

hi sandra, carry on go to the small claims court,they quoted me the same thing,i carried on and sent them letter 5 just got a reply 2day saying that they are looking into it and i will hear from them shortly.

sandrasam

I was just about to ask advice on this myself. I've had the same letter sent. How long do you send the letters for before going down the court route?

Edinburghlass_2

You need to send the next letter (LBA) giving the banks 14 days warning or you will be taking them to court, then if they don't respond you can start court action.