Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
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Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old? This may be unfair
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Would you like to clean up your credit file? Check it out | | | | | | | Alliance & Leicester Meet other A&L Bank customers who have also been faced with excessive unfair bank charges. They FSA see A&L as one of the weak links in the present bank liquidity crisis. Is it you or the A&L which is spending beyond their means? | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
16th October 2007, 21:24
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#6 (permalink)
| | Platinum Account Customer | Re: Help - I have been so stupid Well if you can afford to clear it and then claim the charges back later it is probably worth it, rather than have the worry. If you do that you must ensure that they freeze all future charges and interest or you will be in their grasp forever  . I have had situations in the past where you just manage to raise enough to pay the overdraft off and they then say 'ah, you were overdrawn for 24 hours more so we are charging you another £35 next month...' and on it went.
Is there any way you can have a face to face chat with someone with a view to closing the account so there is no chance of that happening? It is either that or you brazen it out like I did.
Did you keep a copy of the letter you sent asking them to close the account? Or can you produce one? |
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16th October 2007, 23:16
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#15 (permalink)
| | Platinum Account Customer | Re: Help - I have been so stupid Quote:
I received your letter today explaining that I am now overdue with the premier account that I opened in August 06.
I wrote to you on xx October 06 with instructions to close this account - a copy of this letter is enclosed. As I expected you to deal with this request, I believed letters received since then to be insurance fliers and the like and did not open them. As far as I was concerned the account had been closed and I had not used it.
I rang your office today and they explained that the outstanding balance of (£135.83) was indeed charges and that a further £55.33 would be added to the account by the 19th of October. They also said that my letter was not logged onto your system.
As it is clear that I have not used the account and that the charges were incurred because £10 per month was moved to another internal account within the bank when it was clear that I was not using the account, I believe that these charges are unlawful. No money has been paid to a third party on my behalf and therefore there is no loss to yourselves.
I would request that this account now be closed and that all the charges are written off. I am fully aware of the current situation regarding unlawful bank charges and will be happy to await the outcome of the test case should you decide not to honour my request.
I therefore ask that you write to me and let me know that this account is now closed. | I am not an expert - hopefully someone else who is will come along and alter this - but that is what I would say.
Goldlady
Last edited by Goldlady; 16th October 2007 at 23:19.
Reason: changed it
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20th October 2007, 13:33
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#17 (permalink)
| | Platinum Account Customer | Re: Help - I have been so stupid The letter looks good
For the amount of the charges I would consider FOS route - you will still be on pile of pending claims - but maybe if you write and emphasise this is about the fact they did not close your account when they asked you to and the level of charges - they may help - or even try calling them . I believe that is what annoyed from Caerphilly did ?
Jan  |
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