A&L OD

[scoobydoo]

I have had enough of A&L and I am closing my account .There will be a small amount of OD which is less than the amount of charges which I am just about to write to them about.

Am I right that I can put that debt in dispute - or am I better to pay it off and just leave the claim pending on a closed account.

If I can put it in dispute and ask them to freeze charges can someone point me in the right direction for the letter.

[Mochamoo]

Re: A&L OD

I sent CB's letter to Abbey (all the OD is charges and interest)

ACCOUNT IN DISPUTE

Dear Sir/Madam,

Your ref:


Thank you for your letter of **DATE**, the contents of which are noted.


I am disputing the total value of these debts with **BANK** due to unlawful and unreasonable charges. As such, therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.
As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

This process may take some time, due to the Office of Fair Trading's test case, but I will try to expedite this issue as a matter of urgency.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

I reserve the right to report your actions to any such regulatory authorities as I see fit.
You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours BLAH

[scoobydoo]

Re: A&L OD

I know Have been really slow on this but I have at last done the letter today .Been really busy.

So OD figure is £156

Charges since I did court case £535 - I was astonished about how *uch they added up to.

So asked to close account and put in dispute as well.

will keep you updated


Next is PPI on Egg - just can not face opening the envelope yet!!!