I Dont Believe It! I Won!

[Bettynomates]

Hi All

I am probrably being thick but I cannot find the 2nd letter to send to bank - the one after the preliminary one? A & L have - not surprisingly - denined the charges are illegal saying the OFT was referring only to Credit Card charges, and I now want to send the second letter giving them a further 14 days to reflect.. Smil however have magically credited my account £133.37 - the last lot of charges - without advising me.... but I want them ALL back. They are the worst bank for applying charges but do not let you know you have gone over limit so the charges just built up without my knowing! Anyway many thanks

[Tigs33]

Here you go, you need the letter before action.

http://www.consumeractiongroup.co.uk...-consumer.html

[Bettynomates]

many thanks - I was being thick ! :o(

[elsinore]

Originally Posted by Bettynomates

A & L have - not surprisingly - denied the charges are illegal saying the OFT was referring only to Credit Card charges, and I now want to send the second letter giving them a further 14 days to reflect..

Just in case you are not aware, A&L have stated publicly that they wiil close the accounts of customers who claim against them. Make sure you have a parachute account handy!

Elsinore

[Bettynomates]

I have my parachute ready and waiting.... fortunately we have not used the A & L as a main account for a few years now..... So they can go ahead I not care!

[Bettynomates]

also did they repay the money? or did it have to go to court? I feel quite daunted - but determined - to go through with it... :o(

[Bettynomates]

Sent Data Protection Act letter end of May and it took right to the limit for the huge pile to arrive! Prelimary letter sent 24th July, received response saying OFT ruling didnt apply on Saturday 28th - speedy or what? and the obviously send that letter to everyone! LBA letter sent today so I will keep you posted! I am claiming £633 - pity it could not be more then 6 years!

good luck to everyone!

Parachute deployed and fully working!

[Bettynomates]

Hi ... I am just about to issue my first MCOL and just wondered how I send my schedule of charges? Is there a way of attaching the spreadsheet... or do I wait until I get a written acknowledgement and send it then? I am scared witless and convinced I will have to be the first person to go to court! BUT if that is what it takes I will go with as much media coverage as I can possibly muster up! Thanks in anticipation!

[mallett]

Nah, I'm just filling in mine at this moment and I'm sure I'll be dragged through the court. We'll be fine.

I'm sure I saw that once you get your reference number you send the schedule in.

Just about to hit the submit button and pay. Have you got that far?

[Bettynomates]

Dont wanna rush it... gotta pop up hospital to visit my 18 year old cos she had op on hip,, will do it nice and thoroughly this evenin... good luck to us both... I am taking on Smile... only had account 9 months and they charged me £649! They were SO sneaky!!!

[Rosemary]

Hi Bettynomates

I submitted my A&L claim on-line on 16th August. I haven't submitted the schedule showing every detail cos I sent that to the bank 28 days ago.

However, I had a similar problem with lloyds when I submitted my claim on-line and this was clearly reflected in Lloyds' solicitor's defence when they said my claim 'was not clear' - Lloyds had obviously not forwarded on my back-up schedule. So, I duly sent two copies to the court when I sent back my Allocation Questionnaire - one for them and one for Lloyds' solicitors.

At least the on-line claim allows you to break down your claim to the total amount (whatever that is), plus 8% interest and costs. If they want more detail and the bank haven't passed it on, they'll ask for it.

Without putting my head above the parapet, I had read somewhere that an A&L employee had publicly said they didn't wish to go to court and have no intention of declaring their costs in a court case.

BYW - it seems that SMILE are the best for paying back quickly - almost before you've had a chance to send the second letter! So good luck!

[Bettynomates]

Hi... just nervously completing online moneyclaim form but not sure what I should put in for the daily interest rate under that part of the claim?? Any help gratefully and nervously received..... will I be the first person to have to court??? eek! Dont let me back out now!

[HadEnough]

daily rate is worked out by taking the amount of charges,multiply by interest rate ie .8% , divide by 365 = daily interest.EG £100 * .8 / 365 =£0.21p
hope this helps

[Bettynomates]

I am prob being thick...but 8% of £100 is £8 which equals 0.21p per day? times that by 365 equals £76.65.... sorry I told you I prob being thick.... ;o(

[leebrannan]

i think the daily rate is worked out like this

total of charges + 8% interest x 0.00022 = daily interest rate

thats how i've done it

[Aitken Brotherston]

leebrannan has it right it is the sum owed/claimed X 0.00022 per day

Calc assuming the amount owed/claimed is
£100 = 100 X 0.08 / 356 X no of days

or

£100 X 0.00022 X no of days

Thus for a year = 100 X 0.00022 X 365 = £8.03 ( so you win 3p on the rounding)

[caro]

I have merged all your threads Betty as it is easier to follow your progress if you keep everything together.

By the way, daily rate is 0.00022%. Those extra zeros are very important.

[K Webber]

Hi - i've just registered and am totally lost - so don't know why but this reply box popped up so Hello there. I too am with Alliance & leicester and hopefully will get my charges back. Every month they are wacking £25 or more for going overdrawn even if its the day my wages go in. Wish I never changed from NatWest.

I am trying to get the ball rolling by sending the first initial letter and cannont find the first letter template, can you help?

many thanks

Karen May

[K Webber]

Help me find first letter template