alliance and leicester fine

[kaz3571]

hi

sucsessfully claimed on a+l loan simply sending template stating youve been fined in the past.took two weeks from first sending the letter.I then claimed on my a+l credit card which started in 2001 again putting this line in as well as other reasons.this card was taken over by mbna in 2004.they have rejected the claim stating i asked for the ppi,any pre existing medical conditions didnt affect the policy,the fine for a+l was only for loan accounts and the account is too old to continue through ombudsman service.i only cancelled the policy two weeks ago after twice trying to cancel in the past but being pressured not to do so.Are these responses they have given valid they have stated this is their final decision and will not enter into any further communication on the matter.

 

thanks for any advice kaz

[alanalana]

;)Hello kaz,

 

hi

sucsessfully claimed on a+l loan simply sending template stating youve been fined in the past.took two weeks from first sending the letter.I then claimed on my a+l credit card which started in 2001 again putting this line in as well as other reasons.this card was taken over by mbna in 2004.they have rejected the claim stating i asked for the ppi,any pre existing medical conditions didnt affect the policy, ( I would contest this statement to the fullest and put them to strict proof that it is correct) (Also mention this to the FOS if you go down this route) the fine for a+l was only for loan accounts and the account is too old to continue through ombudsman service. (I would let the FOS make this decision if they cannot take on the case then you have the option of County Court Action and there are a bunch of folks on here who have experience of that who will be able to advise you) only cancelled the policy two weeks ago after twice trying to cancel in the past but being pressured not to do so.Are these responses they have given valid they have stated this is their final decision (if you have received a final decision then the FOS will be interested but I am not certain about the time statues. They did however adjudicate in my favour on loans back as far as 1997 so this may give you some positive hope)and will not enter into any further communication on the matter. (FOS or Court time - Your choice:eek:)

thanks for any advice kaz

 

Do not believe everything the banks tell you in letters. Their aim is to stop you submitting a claim at whatever cost.

 

My advice would be in light of the fine against Alliance and Leicester to contact the Financial Ombudsmen Service. I will post up a link with the contact details at the end of this post.

Financial Ombudsman Service

 

Good luck;)

 

aa

[kaz3571]

thanks for that im in the process of doing that ive not got anything to lose.i believe i have the upper ground as i have tried to cancel previously.when i cancelled two weeks ago before sending off the claim i was pressured for at least 20 minutes to not cancel.

[alanalana]

Hello kaz,

 

thanks for that im in the process of doing that ive not got anything to lose.i believe i have the upper ground as i have tried to cancel previously.when i cancelled two weeks ago before sending off the claim i was pressured for at least 20 minutes to not cancel.

 

A typical tactic but you should still claim a refund of the PPI element of the Loan and if it was single premium that is what you want returned including the interest plus 8% statutory interest from the start of the loan to the date you get you PPI money back.

 

Good luck;)

 

aa

[hellhasnofury]

Hello Daz,

 

I see from the success thread that you have won:D

 

Can you please post up the department and address to sent these complaints to.

 

Thanks in advance:D

[kaz3571]

hi the win is in respect to the loans not the credit card.the credit card refused the refund was.it was originally a+l then transferred to mbna.i did the complaint to ombudsman but they said at the time in 2001 it was not covered and couldnt investigate.but since then mbna have sent a totally unreadable cca (more than one way to skin a cat).the adress i sent the ppi claim for the loan was

ALLIANCE AND LEICESTER PERSONAL FINANCE LTD

PO BOX 5796 LEICESTER

LE1 5ZJ.

i sent std post and just deleted all but you have been fined in the past off a std template.have since done the same on my daughters loan.