Consumer Action Group envelope labels
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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?
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| | | | | | | 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.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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 |  | 
14th January 2008, 02:33
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#1 (permalink)
| | Basic Account Customer |  alliance&leicester
i had/have an account with these people.i decided to go back to my old bank.
didnt cancel a direct debit,but there was a little money left in the account,albeit not enough to cover.it put me £1.02 overdrawn.as i was no longer using this account,i never checked on it, until i got a statement saying that i was now £100 overdrawn.they are charging me £5 per day.ive just checked on line,and i am now £187 overdrawn.
is this right or are they taking the p***s out of me.can i try to claim this back or not
__________________
MBNA.claiming back £3219.08 LBA stage expired.offered £1190.PAID OUT!!!!!!!!!!!!!!!!!!
Lloyds.claiming back £1025. LBA stage expired.accepted offer of £750.SETTLED
CAP 1.claiming £839. offered £216. LBA stage expired
B/Horse.claiming. £879. request payment stage.offered £145
B/Horse.claiming. £601. request payment stage.offered £306.92.SETTLED | 
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16th January 2008, 15:23
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#3 (permalink)
| | Basic Account Customer | Re: alliance&leicester
reply i got this morning.
we acknowledge receipt of your complaint about charges for unauthorised overdrafts.we beleive that your complaint concerns the level,fairness or lawfulness of the charges.
although we believe the charges are fair,transparent and lawful,a number of current account providers have now become involved in legal proceedings with the office of fair trading in relation to charges for unauthorised overdrafts.we believe this test case will resolve the legal issues regarding the fairness and legality of your charges.
alliance & leicester is not one of the banks and building societies in the test case.however,this is an issue where customers,as well as the financial service industry as a whole,would welcome legal clarity.
it would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible.however,until the determination of the legal issues in the above proceedings,we have asked FSA to suspend the normal timetable for dealing with complaints about charges,the FSA have agreed to this request.
in view of this court case we have asked both FOS and the courts not to proceed with any other case they are hearing until the case is resolved.FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the egal issues being considered in the test case.similarly,you should be aware that if you choose to issue a claim in the county courts,we intend to apply to the court for an order to stay your action until resolution of the legal proceedings with the OFT.
rest of letter just says,they wil look at my complaint when the verdict is published.
it doesnt say,its going to stop charging me daily.so its just going to go up all the time.
were do i go now.do i make the spreadsheet out and start charging them daily or what? | |
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reg. office:- 923 Finchley Road,
London,
NW11 7PE
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