Rob v A&L ***WON***

robswift · 18th July 2006, 09:05

Hi everyone

I've been watching various comments regarding the Data Protection Letter. I sent mine requesting details of all my bank charges for the past 6 years and the £10 fee. I sent it to Alliance and Leicester on the 6th June 2006 (recorded delivery) the cheque has been debited from my account. So, is it 40 days from their receipt of the letter, 40 days from clearing the payment, or, 40 working days from one of these?

Cheers
Rob

hagenuk · 18th July 2006, 09:18

Hello and welcome.

It's 40 days from receipt of payment.

robswift · 18th July 2006, 09:41

Thanks for that. I'll check when the £10 was debited and add on the 40 days, think they've got a couple of days left. Although I've noticed a few threads where A/L haven't complied, so won't hold my breath!! I'll keep posting updates.

robswift · 19th July 2006, 08:29

Morning

After reading quite a few posts where banks haven't complied with the 40 days, I was quite amazed to find a large grey plastic parcel at home last night. At first I thought it was an early edition of Yellow Pages 2007, but it turned out to be my statements. 33 days after the £10 fee was debited from my account. Stupidly, I thought it would be a letter detailing the charges applied to my account. They have supplied statements back to January 2000, does that mean I can claim from then? More than 6 years? Anyway, I've got quite a few hours with a highlighter, ruler and calculator to work out the charges.
More updates soon.

robswift · 19th July 2006, 12:37

A&L have sent my statements dating back to January 2000. Is it worth claiming for the whole period 6 years, 7 months?
Cheers

DCG · 19th July 2006, 14:55

just keep going m8

robmal · 19th July 2006, 16:00

My request was sent on 7th June recorded delivery, the cheque was cashed on the 17th June and I'm still waiting .... HoHum!

robswift · 19th July 2006, 19:19

Hi Everyone

Been ploughing through my statements. That's when you really start to realise how much they've had off you!!

The charges are amazing when you get back a few years, A&L were charging 3.50 for each day over your overdraft limit. The other charge they have used more recently is a standard 25.00 for going over your overdraft limit, but can all these be re-claimed??

robswift · 20th July 2006, 14:54

Think I've sussed all the charges I should be reclaiming, and to include the £10 DP fee.
But I'm sure with the unauthorised overdraft charge. I pay £5 a month plus interest for the Overdraft facility. When I go over the overdraft, they slap me with a £25 charge in total. Should I take £5 off the £25 charge and claim £20. From what I'm reading in the forums I need to get the figures right, just in case I'm the first one in court!!
Cheers

BankFodder · 20th July 2006, 15:09

Reclaim it all and see what they say. i don't really undersatnd why you are proposing taking off £5.00.

claim it all. If it goes to a clim - and it probably will beccause they are to stupid to learn that we all mean business - then if they feel that they shouldn't pay the £5.00 they canput it in their defence.

kevmaxthom · 20th July 2006, 15:12

Hi
At the moment the rule of thumb is 6 years max. So I would go for it.
Kevmaxthom

robswift · 20th July 2006, 15:53

Thanks Bankfodder
OK. I'll hit them with the lot. I'm starting on the spreadsheet, but a quick calculation is nearly £2,000, plus interest. Minus 5% for this brilliant site.

robswift · 20th July 2006, 18:20

Hi
Yep! That's what I'll do. Seems to be a lot of forum talk about going back further than 6 years, but 6 is the max for now. Apparently if the rules are challenged and changed, we'll be able to claim again anyway.
Cheers

robswift · 20th July 2006, 18:36

An interesting thought.....I've been looking at a lot of comments on parachute accounts.
A&L seems to be one of the worst offenders for closing accounts after claims. However, all banks seem to be the same, with the same charges.
So, I'm in no rush to leave A&L, plus I have other accounts with them, but don't use them very much. If they only close the account you claim from, I could start using one of my other A&L accounts as my main account. It seems a pity to deprive them of my 13 years of loyal custom. It would be interesting to see if they try to fleece me every month. Or is this whole idea sick and wrong?

robswift · 20th July 2006, 21:01

Downloaded the spreadsheet, and loaded in my charges. Easy to do. I'm going to double check and triple check - don't want to miss anything. First calculation is £1997.30.

PKea · 20th July 2006, 21:08

Why are you worried of depriving them of 13 years of loyal custom when they have been charging you for 13 years. If they valued your loyalty you wont be going through the claim they would have given your money back to you. Think about It.
Thats just my personal take on it.

[MODERATED: Please do not post libelous comments on this site]
EDIT Agreed - i have rephrased the sentence.

robswift · 20th July 2006, 21:32

Quote:

Originally Posted by PKea

Why are you worried of depriving them of 13 years of loyal custom when they will see it as 13 years of [edit] your money. If tyhey valued your loyalty you wont be going through the claim they would have given your money back to you. Think about It.
Thats just my personal take on it.

[MODERATED: Please do not post libelous comments on this site]

Hi Pkea
I'm not worried, I'm annoyed that they can just close your account because you've asked for your OWN money back. So, I want to go when I'm ready, not when they tell me to.

The Holte41 · 23rd July 2006, 08:42

Having been a customer for over 25 years I would have loved to have had the opportunity and satisfaction of closing the account myself, unfortunately they beat me to it just as soon as I requested Data Protection Act info. I was a little over £23 in excess of my overdraft at the time, and assume that if I were to imply the account closure was retatiliatory, they would use my breach of OD as defence, so I wont go there. Personal choice as to when you close the account, just be aware they may not give you the chance to.

robswift · 24th July 2006, 09:35

Quote:

Originally Posted by The Holte41

Having been a customer for over 25 years I would have loved to have had the opportunity and satisfaction of closing the account myself, unfortunately they beat me to it just as soon as I requested Data Protection Act info. I was a little over £23 in excess of my overdraft at the time, and assume that if I were to imply the account closure was retatiliatory, they would use my breach of OD as defence, so I wont go there. Personal choice as to when you close the account, just be aware they may not give you the chance to.

Hi Hol

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.