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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
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Reload this Page A&L Defaulted me!!

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?


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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.

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Old 16th February 2007, 09:11   #1 (permalink)
steveashby1980
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Join Date: Oct 2006
Posts: 16
steveashby1980 Novitiate
Default A&L Defaulted me!!
Hi all,

Can anyone offer some advice??
I recently approached A&L for £136 worth of charges and removal of 2 defaults which they placed on my credit file.
They returned £68 no questions after my prelim approach but made no acknowledgment regarding the defaults(just got the standard pre printed letters "please be assured our charges are reasonable and are competetive"..... the usual rubbish they feed their customers!).
I then sent the the LBA with schedule of charges, to which I once again received the standard reply with no mention of my default.

I was wondering the legalities of their application of the default entries against me of which they had not once notified me they were going to do, I only found out this by accident when viewing my credit file.
Are they allowed to do this without notifying the customer? Also I believe what caused the default was going overdrawn caused by one of their charges but I'm not 100% as they didn't notify me!!

I'm just in the process of filling in my court claim and was wondering if anyone could offer their advice in including this in my particulars.
I have also posted in the legalities forum...

Cheers

Steve
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Old 22nd February 2007, 11:16   #2 (permalink)
younganfree
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younganfree Informativeyounganfree Informativeyounganfree Informative
Default Re: A&L Defaulted me!!
Not ignorin you, Steve, honest!

Personally, I can't help as I know nowt about defaults, but maybe someone else will notice this now it's been "bumped"!

Or have you had any joy on the legalities forum?
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Old 22nd February 2007, 13:34   #3 (permalink)
steveashby1980
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steveashby1980 Novitiate
Default Re: A&L Defaulted me!!
Nah no joy as yet it is a bit of a complicated one (doesn't take much to confuse me really!!) I'm not that bothered about the remaining amount more peed off with the defaults-the cheek of it!!
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