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i have been charged £34 because a cheque bounced- not enough money in account- alliance and leceister said i needed to write in and one of the managers would review situation. first time it has happened. the cheque was sent to a building society to open regular savings account- long story. totally new to all of this. faq says send preliminary letter to a&l and ask for charges back. my concern is preliminary letter says defaults registered on credit report- this has been excellent up to now. really worried and no real idea what i'm doing.
how do i know whether following paragraph of this standard letter is needed:
Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.
In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable"
would they have registered a default notice for bounced cheque etc? should i get copy of credit report before sending standard letter to check etc
i have been charged £34 because a cheque bounced- not enough money in account- alliance and leceister said i needed to write in and one of the managers would review situation.
Hey, dude.
Have you actually tried this route?
You have to be aware that this is drastic action you are about to undertake - and A&L WILL close your acount if you threaten to take them to court over this.
If it is only the latest in along line of charges that you want to get back (6 years worth), then I would say 'Go for it, dude'.
But if it is simply a one-off, I would try the easier route first. You don't want to bite off more than you can chew, without giving it some serious thought first.
But if it is simply a one-off, I would try the easier route first. You don't want to bite off more than you can chew, without giving it some serious thought first.
any advice on what to say- is there a standard letter anyone could send me? really appreciate it.
I am in the same position as you, too long a story to go into but I didn't have as much money in my account as normal & had 2 bounced transactions.
A&L have charged me x2 £34 for the bounced items and then a further x2 £25 when they have honoured payments on 2nd attempt. This has taken me over my agreed overdraft limit. I had put cash in at my branch not realising it would be immediately taken for the charges, nightmare!!
I have been banking with A&L for other 15 years and never experienced any problems before, really cross & disappointed. Helpful person at end of telephone line said they could pay back 1/2 of one of the £34.00 charges!
Should I use the template or are they likely to close my account which would cause massive problems?
If you have been a good customer with no charges for 15 years it is worth writing to them saying this and asking for a review of these charges. However, if you find, like many of us who have been long standing customers, that your business does not matter as much as their charges, then you might consider that it is not so drastic to look at changing your bank. If you have had no problems before shoud not be a problem. Open another account and then take action.
any advice on what to say- is there a standard letter anyone could send me? really appreciate it.
Dude, don't know of any standard letter anywhere, but (and bearing in mind here that I'm no expert) if I were in your situation I'd probably try something along the lines of:-
Dear Sir,
Re Current Account No. xxxxxx
On (fill in the date) you applied a charge of £34 to the above account in respect of a failed cheque transaction due to insufficient funds.
I have been with your bank for ......... years now and prior to the above charge you will see that my management of the account has been scrupulous.
I can assure you that this error was unintentional and simply an oversight on this occasion.
Under the circumstances of my previous good management of the account and as I will endeavour, and indeed fully intend, not to err again would you be so kind as to refund the charge on this occasion.
Yours faithfully
Something along these lines may do, a little grovelling never hurt anybody! If you try this way, hope it works for you Flinders.
Can someone please advise on this
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Originally Posted by flinderspetrie
