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
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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 |  | 
21st April 2006, 17:18
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#2 (permalink)
| | Site Team |  Re: online claim after 2 prelim letter
Nice work, keep us up to date with events too...
__________________ .. . Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
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29th April 2006, 09:09
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#4 (permalink)
| | Basic Account Customer | Success today
I received my charges (£164) refund 3 days after the summons was issued and one of the charges was three weeks old so very quick turn around.
Usual letter this "should not be regarded as an admission of liability.. or weakness on our part as we consider charges fair and reasonable".
However the letter ends ominously "As it is clear that you do not accept terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation."
So I’m going to post a pre-emptive letter thanking them for payment blah blah and stating that any threats of the suspension of my account will be reported to the OFT and the banking ombudsman.
My view is that there is a thin line between organised crime and the way banks operate, if they can get away with it, they will.
If anyone else has been threatened with suspension I’d love to hear their story.
MODERATED post moved to original thread
Last edited by Janet-M; 29th April 2006 at 09:16.
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29th April 2006, 10:09
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#5 (permalink)
| | Basic Account Customer | Re: online claim after 2 prelim letter
If they are agoing to call you to discuss the matter further, you could ask them to remove your shaddow overdraft limit, no doubt this could be the reason you incurred charges in the first place.
Mr Pym, A&L's managing director claims that it is a benefit to customers, in that it avoids embaressment! I think the only customers that benefit from that are the ones that are A&L shareholders. http://business.guardian.co.uk/story/0,,1493514,00.html | |
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3rd May 2006, 22:12
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#6 (permalink)
| | Basic Account Customer | Re: Success today
Quote: |
Originally Posted by benmills
However the letter ends ominously "As it is clear that you do not accept terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation."
If anyone else has been threatened with suspension I’d love to hear their story.
MODERATED post moved to original thread | I had the same letter with my cheque - I wrote back and said I presumed that they wished to discuss the application of LAWFUL charges to the account in the future. Haven't heard back from them yet !!!
I would think that they would be on very dodgy legal grounds trying to close the account of someone who has merely pointed out to them (as any good, honest citizen should !) that they are acting unlawfully. | |
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reg. office:- 923 Finchley Road,
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NW11 7PE
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