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Hi just joined the forum to help claim unfair charges. A little confused on how to get going I understand that there are templated letters in a library where do i find these. I am claimng against Alliance & leicester when I asked them on the phone for a copy of my statements for my accounts they informed me that there was a charge of £10 per account is this correct or is it £10 per person.
Hi Wardy
I have an account in joint names and a sole account for my husband and we only sent £10 and got details for both accounts. When we sent the Data protection act letter i added both lots of details.
Read the FAQ's section and have a good look around this forum. Its helpfull seeing people progress as they go along and puts your mind at ease to know your not the only one!!
Hope this helps
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
DPA request is £10 per person, no matter how many a/c you have with them
Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out to refer to later
Then look at other threads in your bank's forum, so as you know what you can
expect to happen
You need to spend 2 or 3 days gradually getting your head round everything.
There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems
This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.
When you feel confident that you understand the process and the various stages involved, start a new thread in your bank's forum and post your progress and any questions there and you'll get plenty of help
The £10 charge was taken from my account and the 40 days to supply the information is up on the 27th September. Will keep reading through threads and keep updated if anything happens in the mean time.
Cool. But please say on this thread to post al your queries and updates, don't start a new thread every time, or things will get very confused very quickly.
[2 threads merged]
Apologies to people who I was in the process of helping, I may be gone some time.
Hi thnaks for yor help so far got all my statements and have gone through and worked all the unfair charges out and have filled in the spreadsheet.
My question is with regards to the prelim approach letter in the library in the section what I require it has to amounts that you put in as well as the total waht is the second amount do you have to split your charges down into 2parts or is this the interest. As I thought you left the interest out at this stage wihich I have done on the spread sheet.
The second bit is for the overdraft interest you have been charged not the interest from the spreadsheet. If you know how much the overdraft interest is then you can claim this. I also got a bit confussed with this so decided to leave that bit out, but its your money so its up to you. Hope this helps.
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hi once again thank-you for your help. want to get this right first time so the bank takes me seriously. The 8% interest that the basic spreadsheet calcualtes do yuo just delete this coloumn when sending the first letter of approach and only claim for charges?
Also the overdraft charges are they just taken from the bank statements? I have been looking around the forum also for answers and got more confused as I came across the terms Statutory interest and compound interest what and where do these fit in?
I am also pretty sure now a days that the bank will make me go to the stage of small claims cout (got the pack) is this when you add the second coloumn back into the basic spreadsheet and is this adequate enough or shold you use the adavnced spreadsheet.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hi sent my initial approach letter on the 1st of November they where quick to respond recieved a letter this mornig the 4th November stating that the charges where fair and that oft only applies to charges of dreit cards etc.
Do I still have to wait 14 days before sending the letter before action or can i now send it straight away as they have replied?
There are mixed feeling over this, some do send it before the 14 days, i decided to stick to the time frames. Sorry if this is not much help!! Someone else will let you know if its any different.
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Well the pace has picked up a little. As I got a reply to my initial request I sent of the lba letter and got a reply this morning stating that the charges where valid, but as a good will gesture they have refunded £150-00 into my account. So do I now
1) Take the money out of the account and still go ahead with the MCOL without any further notice to A&L?
2) Write a letter thanking them for the £150.00 but inform will still be proceeding with the MCOL, leave money in account so they do not assume it as a settlement?
3) Same as above but take the cash?
4) Any suggestions I assume this is common practice by the bank to confuse, if so when I apply for the MCOL do I subtract this amoun tfrom the claim if took money or do i show as pre-paid on the bottom of the spreadsheet included?
Write thanking them for the £150 but that you will continue with your claim for the full ammount minus the £150. Although there is some debate about whether you should deduct a "goodwill gesture":grin:
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
Hi just checked my account with A&L they have only actually refunded £125.00, but will write a follow up letter to the LBA letter, thanking them for the refund but indicating that I will accept this as a part payment of the full amount and reiterate that the original LBA date still stands before issuing my MCOL does this sound fair?
I have drafted a letter which I think is fair and to the point:
I thank you for your response to my letter of the 4th November 2006. I accept the refund of £150.00 as a partial settlement of the £565.58 requested. And wish to inform you that I will continue with my claim against you.
I calculate that you have taken £563.00 plus £2.58 which you have charged me in overdraft interest for the sum which you have taken, minus the refund of £150.00. Total £415.58.
I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my previous letters of the 1st & 4th November 2006.
I require repayment in full of this money and. If you do not comply fully within 14 days of my original letter before action 4th November 2006, then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.
Any opinions greatly recieved I know its basically the same as the LBA letter from the library
Sounds good Wardy, keep to your timeframe, not their's.
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
sounds good to me too, good that you have not given them extra time so its there time ticking away!!!! Maybe they were hoping this would give them more time. Good when we fight back isn't it!!
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Lost and Confused
Reply With Quote
Re: Lost and Confused
Lily 
Still Waiting
Interest
Satndard Letter Reply
