Thread: A&L switched my DD's without my consent & made me go into the red... What do I do?

In Oct I opened my new account with A&L. (Don't ask why). They sent me some forms to confirm I want to switch all of my Standing Orders and DDs to the account. I changed my mind and decided not to transfer the regular payments so I just left it. I decided I'd use them as my 2nd account just to deposit some money every month since my other account (Barclays) is overdrawn.
They switched the regular payments anyway... I didn't pay the money in time and here it started. Unauthorisd overdraft charges kicked in. I paid it off. But they kept charging me which made me go into the overdraft again so I just left it for a while cos I didn't have money or time for this. That was over a month ago and now I'm £210 in red... I don't want to pay this money cos it's not theirs to take.

Can you advise me as to what to do next? I'm quite new to all this stuff.

Thanks,
Sowa

I'm in. I just sent a letter to A&L for SAR. I didn't even bother calling them, no way I'd wait, hanging on the phone for another 30mins to the Customer Services-->Credit Control office only cos they've suspended my account for no reason!!!

I found a link to step by step guide on Consumer Wiki to reclaim your bank charges, very helpful. All you novices, check it out.

Step By Step Guide - Consumer Wiki

God's in control.

I got a letter from A&L with all my statements showing that they have refunded the £210 that was overdrawn.

Next step - I am about to send a letter for the £50 they charged me (2x £25 back in Dec 08/Jan 09! I'm not going to let them steal my money like that. If they've done it for the £210, they will give me the £50 back!

Also now that my A&L account (my umbrella account) is zero'ed, I can start claiming my money back on my current Barclays account and the big fish - HSBC account which they closed due to unpaid overdraft! Wow... Get ready for some action...

More updates as soon as this is resolved!

Take care all and keep on fighting,

S.