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Working on behalf of my mum who has some issues with alliance and leicester. She went overdrawn to the tune of 55 pounds when she used the wrong debit card to pay for shopping at the supermarket. The account was being wound down for closure as she had transferred business elsewhere.
Realising her mistake shortly after she sent A&L a cheque for the amount outstanding. I am not exactly sure of the dates but believe it was about 28 days after the withdrawal. At some point she received a letter from A&L informing her she had gone overdrawn and informing her of charges totaling 135 pounds. The account had no agreed overdraught.
Mother neglected to tell me anything of this however I discovered a letter which was by now showing charges nearing 400 pounds and dragged the sorry tale from her. She is usualy golden when it comes to debt and banking so I believe this would be her first time overdrawn.
The latest letter mentions bailiffs and CCJ , the usual stuff. What I need to know is what should be done now to stop this spiralling any further out of control ?
Addendum:
Date of withdrawal was 6th March . Cheque for settlement cleared 10th April.
Thought I had best post an update now that I have some good news.
A few days after my original post here I took Mum along to the local branch and had a meeting with a chap to discuss the issue. He seemed quite sympathetic and agreed to look into it for her, asked us to pop back in an hours time when he had checked with head office. So that's what we did and at the second meeting he informed us that the account had been recently closed and that he thought that would be the end of the matter to which Mum was obviously very relieved. However I had doubts.
During the meeting it transpired that Mum had infact tried to close the account over the phone and by letter quite some time previously but they had played silly beggars and asked her to attend the branch to close the account in person. As the local branch is not at all local she did not follow through with that request but she did hold onto the paperwork which I thought might come in handy later if court action was required.
Well this morning Mum received a statement showing that the debit of £ 375 from the previous statement balance had been payed off and is listed as "TRANSFER REFUND BULK" with the additional statement " NO CORE DEBT" and the balance now reading 0.00 which looks to me to be a result.
I am of course very happy at the outcome and relieved that no court action has been required. Perhaps this shows that there is a realisation on the part of the bank that their position concerning unfair bank charges is now very weak.
Are you still going to see if there's any other charges your mum can re-claim
Regards.
Scott.
The only issue still outstanding is the question of a possible black mark in the credit reference agency database but I really don't see that being a problem so I will not bother chasing that unless it later rears its ugly head. Mum has every statement going back to the year dot so any future problem should be easily resolved.
Hello all, need advice
and CCJ , the usual stuff. What I need to know is what should be done now to stop this spiralling any further out of control ?
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Originally Posted by maroondevo52
