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Hi Redgemini

I Already Have It Is With Smile:)

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Congratulatins Vicmar.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

just had my letter from A&l saying thet are going to close the account in 30 days, replied back saying thanks, but FOS have just fined you etc i wish to leave the account to furnish my Mortgage etc also please ammend credit file data and refund my charges you have just applied to my account lets see what happens!!!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Share on other sites

Hi All

 

A&L have just filed an Acknowledgement of Service in response to my claim, stating they intend to defend all of my claim, as I understand it they now have 28 days to file a defence. Will they try to make me an offer prior to the court hearing date or just not turn up on the day, can anyone advise please about what I can expect next.

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they will normally pay up around 28 day mark if not sooner don't panic a cheque will arrive soon , i did not have to file AQ and if you read around some threads very little of us got to that stage, just make sure you have a parachute account open because they will close it but you can contest it which what i am doing , (just received letter saying they are looking at my complaint!!)

good luck i think you will have a happy easter!!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

Link to post
Share on other sites

Thanks for your reply. I have posted one somewhere on the site but don't know where as I am not brilliant with using it to say that yes they have paid up the full amount including costs less than 10 days after I filed the County Court Claim but stating in no way do they accept any liability for their charges being unfair. Also stated that as "I obviously don't agree with the terms and conditions of my account that they will be contacting me shortly to discuss its future operation" I take that to mean that they will be closing it. I am just waiting for 2 last cheques to clear the account and intend to close it anyway so hopefully I will get in first.

I want to thank everyone on this site for all the great advice and help and would say to all of you that haven't yet received your cheque, hang in there and be strong and you will get what you are due.

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  • 2 weeks later...

well quick update, Alliance did not agree with my proposal so i have now filed with FOS with regard to account closure

so let see what happens!!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Share on other sites

Thanks vicmar. It'll be interesting to see how it goes.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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brief update!! I proposed to A&L 10 days ago when they stated they where going to close ouraccounts, i asked that they kept our Joint account open no joy they than to close next weds, so i have now lodged a compliant with the FOS posted yesterday heres waiting!:-|

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

Link to post
Share on other sites

  • 5 weeks later...

well heard back from FOS i have been allocated a case worker and they will contact me in due course so i will see what happens???:-|

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Share on other sites

  • 4 weeks later...

well more success, just heard back from FOS he has awarded me £200 compensation from Alliance & Leicester and he ask them to amend/correct my credit file and remove the adverse data, they have agreed to do this!! so it is worth wait and pursuing good luck to all

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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Share on other sites

fantastic - well done - worth pursuing then:D :D

 

jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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What was the adverse data Vicmar?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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the adverse data this is what the credit agencies hold to which the banks notify them of missed payments etc 1,2 3 ....8 then default.

 

A & L stated i had missed payments re overdraft yet i hadn't it was caused by charges etc hope this helps

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

Link to post
Share on other sites

I just wondered if you'd had a default removed, so yes that's clarified it thanks.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

well still waiting for refund FOS reply went astray but now found, "SAM" from FOS phoned friday going to sort everything out so heres waiting!!!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

Link to post
Share on other sites

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