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KHMcBey
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Hi all!

 

I sent off my first letter asking for repayment of my charges 13 days ago. A+L have replied with a letter telling me that they're "investigating" the matter and they'll get back to me in due course. Do I let them have more time to reply, even though I imagine they'll just then send out a stock "it's in your ts + cs" or do I go ahead and send out my second letter tomorrow? I'm not sure what to do!

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

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Don't give them more time - they're probably just stalling you!

_________________________________________

Alliance & Leicester MBNA Credit Card

Data Protection Act letter sent 3 July 2006.

Incomplete list of charges received 12 August 2006

Requested repayment of charges 10 November 2006

LBA sent 24 November 2006

Estimated £4650 in fines and interest.

Barclaycard

Data Protection Act letter sent 3 July 2006.

Incomplete statements sent 9 July 2006

Requested repayment of charges 14 August 2006

LBA sent 30 August 2006

Estimated £468 in fines and interest.

Initiated claim at MCOL 20 September 2006

Claiming £615.47 including fines & interest, s69 interest and costs

Claim acknowledged 10 October 2006

Defence filed 20 October 2006

Settled in full £640 total. 14 December 2006

Vodafone

Requested Default Notice removed 10 July 2006

Received letter agreeing to request 10 August 2006

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Guest Mumofthreeboys

You set the timetable, presumably giving them 14 days. 'In due course' is not good enough.

 

I think you should proceed with the LBA IMHO :)

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Thanks - I figured they'd probably be stalling because they're like that! I'll get my second letter sent away tomorrow!

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

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Calling all newbies!

These are just stock replies, and in the grand scheme of things [i.e. your claim] they mean nothing, zero, zilch.

Unless they get lucky somewhere along the line and one of their official sounding letters frightens someone off - that is money they won't have to pay out.

If you want to claim back your charges you have the right to do so. But it is your decision and you have to stand by it, and be prepared to go to court if necessary - it tends not to get this far but must be taken into consideration as a possibility before action is taken.

Read the FAQ and spend a few days reading peoples threads, it is invaluable in helping you to decide whether to go ahead (or not), and the process for doing so.

 

Good luck, and stick to the tried and tested tactics. 8)

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