Thread: New here and starting to claim

I have just printed off my DPA letter to get list of charges back. Fingers crossed. I have a parachute account opened already but it is just a basic current account. I don't have a cheque book or debit card. Is this ok? I can get it upgraded if I move everything to the other bank. Should I move everything now as A&L will most probably close my account? What have you guys done? Thanks.

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Hi jen999

I've just got to the satge of sending my lba. There's been no action regarding closing my account, but from the threads and reply's I've had, it sounds like they definately will do at some stage. I opened a new account with Smile, all done online and the account was up and running in 2 days!! Free £500 overdraft, Debit card and cheque book.

Good luck

I have now got my statements and need to sit down and go through them. I am even more determined than ever now as I got charged another £25 this week for going over my overdraft limit by £10 for less than a day!!

This may be a silly question but I'm wondering which spreadsheet I should use for my schedule of charges with my prelim letter. I live in Northern Ireland. Would one of the English spreadsheets be ok as it is A&L I am claiming from? Does it have to be in spreadsheet form or would a list of charges be ok?

Thanks for any help.

Hi Jen

I am at the same stage as you. In fact I only received my statements this morning and spent most of the afternoon sorting out the charges. I have used the basic charges spread sheet from Vampiress. You can find them all here.

Good luck with your claim

I have now gone through my statements and found charges from 2001 for overdraft which are £8. Does anyone know if I can claim this charge back or was this an old charge just for using an overdraft? Back in those days I was nearly always in the black lol. There are also charges form then for £3.50 per day. I am assuming I can claim the £3.50s.

Thanks again for any help.

Just had a look t the back of some 2001 statements I still have and can't find any reference to an £8 overdragt charge.

The only overdraft charges are £10 for an unauthorised overdraft plus £3.50 per day. So the total of these charges should be included in your claim, as they are penalties.

Hope this helps

Thanks Rogs128. I will add these charges to my spreadsheet tomorrow night (off to bed now as I'm working in the morning) and hopefully get the letter off on Wednesday morning. It all comes to around £200. That would be a nice sum to have just before Christmas.

Hi Jen

Did you get your Prelim letter sent off?

I haven't sent my letter off yet. I have been working and was on nightshift last night and again tonight. I will definitely do it at the weekend and get it off on Monday.

Hi Jen

Did you get your letter sent off? Had any reply yet?

Hi Rogs128,

I only sent my letter off today (oops). My total is £197 so hopefully should have something to report back with soon.

Got the standard bog off letter back today. That was quick!! Do I have to wait the 14 days before sending my lba or can I get that off straight away? Thanks for any help.

Depends on the wording of the sod off letter. If they have said this is our final position and you can go away, send lba. I sent mine when I received the fob off letter because I was angry at their presumption that I would go away.

Hi Jen

I sent my lba off as soon as I received that first letter as well. However I was advised by Caro that I should have waited the full 14 days, as IF this ever went to a court you could show that you had been 'reasonable' in allowing them the full 14 days.

Then when I sent my LBA that was replied to within 5 days or so, and I did wait the full 14 days before entering my MCOL.

Like everyone says, ignore the A&L time frames and stick to your own diary....

I recieved my reply to my lba today. I am now waiting until 14 days are up before doing my MCOL. As I am in Northern Ireland is there anything different about doing an MCOL?

Thanks for your advice neathboy2. I'll make a start on it over the next few days.

Thanks for the link Michael Browne. I will have a good read of that.

Will keep you all posted.