Thread: 976 and rising!!!!

hello

After sending the prelim letter (30 may) and letter before action (11 July), I heard back form a+l this morning.

"I must advise that our charges are clearly shown within our literature, they reflect the market and are in line with our competitors (I beg to differ!!!!)....
There has been no consultation between the banking industry and the Office of Fair Trading about current accounts. If ther is any industy wide consultation on the matter, A+L will participate as appropriate. The existing current account fees and refunds policy continues to apply...Bla bla bla"

I have started the moneyclaim online but am feeling nervous about shelling out another £80

Since sending the second letter Ive incurred further charges of £59 for an unpaid dd that took me over my overdraft limit and have a pending charge of £25 on 29th july. This takes me to a grand total of £976 in charges in just over a year...that started the day i was in labour with my daughter (obviously more pressing things on my mind) and has spiralled out of control ever since!

So can anyone advise, is this a standard letter the a+l send? If so should i go ahead and file the moneyclaim including the £59 or wait until the 29th and add the further £25?

Cheers
Yvonne

Hia

Also im not sure which adress to use, ive been sending the letters to the branch, but th reply came from the customer contact centre in bootle, should i stick with the branch adress???

I just got the same letter today refusing to refund and referring to the OFT ruling, saying it applies to credit card charges and not current accounts. It is a standard letter - take a look at their reference on the letter *****/UNFAIR2 - A&L are churning out loads at the moment.
I am worried about the next stage, court action, but I am going to go ahead as my charges are over £3000.
I have read about successful claims and hope to join the roll of honour soon!
Good luck to you all.

Ok ive got a parachute account and im just about to submit the money claim

Claimant has account (A/C No) with Defendant from 02 May 2005conducted on their standard terms and conditions. Claimant is claiming the return of £976 taken by Defendant in charges over 2 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.
In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from23rd June 2005to 31st July 2006 of £31.95 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.21

Can someone have a quick read and check this is ok?? have i got the interst bit right?

Cheers
yvonne

Well ... ive gone and done it!!!!I was so worried about having to take this step but I have done it!
I submitted the money claim for £976 + court costs.

We'll see how this pans out then i'll be after looyds Halifax and Egg!

Good luck to you all

Hello
A+L acknowledged the claim 04/08/06. Received a letter through today from the court confirming this. It says that they intend to defend all of the claim, is this usual? What should i expect to happen next?

Still waiting!!!!

I recieved 2 identical letters on friday, informing me that they are sorry to learn of my dissapointment with the service i have recieved, thanking me for highlighting my concerns and that they are currently looking into the situation....hmmm a little late for that I think!

Meanwhile they have bounced 2 more direct debits taking me £58 overdrawn - the swines - looks like ill be starting a second claim

From other threads I have been reading here looks like cheque will be with you next week - A& L seem to be paying up within a week or so of money claim. Good luck

yeeeeeeeehaaaaaaaaaaaaaaa

cheque recieved for £1095.09 yesterday along with another unpaid dd letter! So ill be starting round 2 today - do i just send the lba or do i need to do the preliminary letter 1st?

Also anyone know if iI can include my Halifax credit card when i send the SAR to halifax for my current accounts? Ive got the bug!!!!!

Off to fill in the survey and donate and of course bank the cheque

Thanks for your help

x