maxt2001 v A&L. iwill win!

[maxt2001]

hi every body, i have been watching the forums on the site quite closely. i started my claim after hearing an interview on Talksport radio. i sent my SAR off on the 12th of March . on the 28th i recieved all of my statements.

i worked out my claim to be £5434 and sent the standard letter requesting this back.

i then got the standard refusal at the end of April along with a leaflet about the time scales that complaints are dealt with.

i promtly wrote back explaining that i would be persuing the claim through the courts and received a confusing letter with an offer of £2079 with aload of rubbish about refunding the difference between the amount of charges for unpaid items actually applied to my account and the amount of charges that would have been applied if the charge had been £12. i duly refused this offer and have now sent my LBA.

i have a question though, by offering me the £12 per item charge are the bank admitting that they are overcharging?

[maxt2001]

i would also like to know are there any recent wins against the A&L? i can,t seem to find any

[sea-sidelady]

There are plenty.

Have a look here...

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/

[mochamoo]

i have a question though, by offering me the £12 per item charge are the bank admitting that they are overcharging?

 

 

Nope just being cheeky!

 

Good Luck

[maxt2001]

i thought as much, is it normal to get an offer without the claim being at the court stage?

thanks for the good luck, i'm hoping that i w'ont be needing it

[mochamoo]

NA:rolleyes:

[maxt2001]

thanks mochamoo, i have already sent off my rejection letter and LBA.

 

also seasidelady thanks for that. i have read those but i was trying to find somebody that has been paid in the last week or so. i would of thought that with the amount of claims going in to the bank there would be a steady or even heavy flow of payments and cases being settled.

i am only trying to find them to help steady my concerns that i may have missed the boat and the banks have found a way of not paying up.

[dizzykate]

hiya,

 

seems like everyone who has made a claim since maybe beginning of april is in the same boat, getting letters from Wragges offering settlements less than claim by a lot. I dont think you have missed the boat cos there is not a lot different with any of our claims than have been previously settled. I know what you mean though at least one claim being successful would be a positive step.

[maxt2001]

yes that little bit of re-assurance would be nice. incidentally my offer came directly from the A&L not blagg & co.

[maxt2001]

i have a couple of questions and would appreciate any help.

am i better keeping my claim below £5k also if i were to go down this route would i be best to omit fees from the beginning of the 6 year period or the more recent ones?

i havent found a case yet where somebody has gone back and claimed twice on the same account because they somehow forgot to include some of the thefts from their account

[maxt2001]

i have just been looking on the spread sheet that shows the successful A&L claims does anybody know if these figures include the court costs. if so i think i may have one of the biggest claims against them on here it is currently £5524.50 + £1029.62 interest + the court fees (if they let it run that far), this would push my claim up to £6804.12. crikey!

[MimiJane]

Sending my court bundle off early next week and hoping that A&L won't submit their papers in time. If they don't, it's judgement by default. Fingers tightly crossed ...

[maxt2001]

looking at rogues thread they may be crumbling a little quicker so good luck mimijane.

[MimiJane]

Thanks and lets hope so:rolleyes: Mind you, on the whole, they appear to be paying out far more quicky for smaller claims.

[maxt2001]

going on that mine will probably drag on right to the end, but the way i see it is you got to be in it to win it.

[maxt2001]

i will have my day in court if need be, i am quite looking forward to it in a twisted way. the more that i read on this site just makes me more and more resentful of the way these organisations have manipulated and bullied us all . i will go all the way, not just for the money but to prove a point.

i am telling everybody about this site it is a revelation

[maxt2001]

i have recieved a letter back from A&L today, this is after i refused their offer of just over 2k for a claim of over 5k.it reads as follows

 

further to our previous communications, as Manager of Customer Services, Current Accounts, i have now carried out a final review of your complaint and write to inform you of our conclusions.

 

I have read all of the correspondence surrounding your complaint and i am sorry that you remain dissatisfied with the settlement offer previously provided to you. I am aware that a full investigation has been conducted into this matter and can confirm that our position remains unchanged.

 

I appreciate you may be disappointed with my response and may wish to refer your complaint to the Financial Ombudsman Service which you can do within 6 months of the date of this letter. the enclosed leaflet explains more about their service and includes contact details.

 

Yours sincerely

 

Alison Riley

Manager of Customer Services, Current accounts

 

 

 

 

is this just a standard letter as i have not seen any mention of this type of letter on here. and also Alison Riley if you are reading this, SEE YOU IN COURT.

[MimiJane]

Yep, another "standard" (just like they all are:rolleyes:). Exactly the same one I received from Alison Riley, but different figures of course.

[chubbas dad]

yes i have had one very similar :o ,but my response to her was " you may not be aware that i commenced proceedings against you on the 25 may 2007" and heres your poxy cheque back lol

[maxt2001]

i have some charges over 6 years old. i am tempted to leave them on my claim.

i have read on here that there is a case to argue on the premise that due to the charges still being in place and therefore being concealed after the date of the oft report that the bank loses its protection from the limitations act.

 

i would like to know the facts a little more clearly because i would love to have my day in court against the A&L and have my defence clear

[maxt2001]

i have just filed my N1 claim for £6849 at Huddersfield County Court. now is the nerve wracking time, just sitting waiting

[maxt2001]

just a quick update. i have recieved my notice of issue from huddersfield county court this morning. a&l have until 21 st of june to reply.

 

i have just started 4 claims on behalf of my brother, 3 for my wife and have just sent the prelim off for an old crapital one account of mine.

[MimiJane]

just a quick update. i have recieved my notice of issue from huddersfield county court this morning. a&l have until 21 st of june to reply.

 

i have just started 4 claims on behalf of my brother, 3 for my wife and have just sent the prelim off for an old crapital one account of mine.

 

OMG you are busy:shock: Good luck with them all and keep us posted.

[maxt2001]

a quick update, today i came home to 2 letters my 1st from wragge & co and 1 from the A&L the wragges one is an acknowledgment of service giving notice of their intention to defend

the one from A&L is another offer of £2329 which is based on the £12 per item rubbish plus the £250 court fee.

this is after i informed them that i would not accept their offer of £2079 on the 17 th of May.

the people there must be stupid

[maxt2001]

out of interest has anybody had two offers from A&L on the same claim?