Thread: LBA is in the post SELLICK V A&L

Hi My Name is Nigel, I wonder if anyone can help me i have sent the first letter to my bank A&L as i went over mt agreed overdraft by £6.02p and because of DD's not being met they charged me £25.00 x 2 & £34.00 X 10 & £25.00 x 2 totalling £440.00 of charges in the month of july alone. so from being £806.02 o/d im now over £1200.00 . Now i wasnt aware i can claim charges for the past 6 years should i send letter 1 again asking for this and what about my A& L Credit card they charge me £25 For Missed payment And £25.00 for going over my limit do i send MBNA the same letter Greatfuill for any advice

Nigel

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they closed mine without telling me and the only way i found out was by one of my direc debits being returned saying account closed
many thank

Thank you
Not the cleaverest chicken on the block im now sending letter one again with the £10.00 asking for my charges over the past 6 years im thinking by reading the others this is what takes 40 days for a reply?

thank you
im very upset whilst typing this as i really am in the mire over this as my services are now being cut off my phones are now all on incoming calls only and im waiting for this to go now as ntl arent gonna wait for ever, can you tell me if i need to send a letter also saying i would like my charges back?
and do i send the same letter to MBNA ??? so in total this letter asking for details twice and refuund letter twice?

Just had argument with man of phone from MBNA told me i was wasting my time as i signed up for the tarrif of charges is he right? i only asked for their address and he asked why i wanted it so i told him and he was right naff! how rude!

can someone please tell me who i make the Cheques payable to for data protection letter to A&L AND MBNA?


many thanks

i have now sent my letter and £10.00 to the A&L & MBNA requesting 6 years reports on my charges. I have an agreed overdraft of £800.00 now of late im being hit by the tax man for a years back tax which has meant my wages have been halved going in to my account, to cut along story short i have had to default on some of my direct bebits infact all last month as i have got into a pickle. in jusly alone my bank charged me £25.00 unauth overdraft fee 18th may to 16th june day 2 and £25.00 unauth fee day 5 10 X £34.00 failed direct debit charges and then interest of 5.65 18th may 16th june then 5.58 interest for 17th june to 12 july then £25.00 unauth overdraft fee 17th june 12th july day2 and then a further £25.00 unauth overdraft day 5 totalling £451.23 in one month what is this figure likely to be in 6 years? MBNA tell me that since this oft report they have started charging 12.00 instead of 25.00 but tell me i have no right to have this refund back dated is this correct?


any help would be helpfull

ok so thanks for that answer in english cause im not the brightist person on here but im failing financially fast. all my direct debiters are no cutting me off so penalties ar being charged against me too.

so sorry just to clarify if they say did this to me over 6 years usually 50.00 a month and one or two direct debit defaults of 34.00 can i claim this back for the six years????

they closed my account and never told me one of my direct debits contacted me to say the account was closed

because that somewhere in the region of 80.00 a month for 6 years = a fair few pounds do you think they will want me to open a new account with them to bank my money lol?


thanks for your help i know its late

nigel;

I received a letter today from A & L saying I Quote

The OFT that they consider the level of late payments charges to be unfair, however they were actually refrring to Late payments on credit cards which are quite distinct from a banks charges on a current account.

as yet the OFT have not entered in to any discussions with the banking industry regarding current accounts however should that position change in the future then A & L will participate as appropriate.

Given the above i cannot accept you have been unfairly charged as you suggest i regret therefore that i am unable to agree to your request for a refund of charges on this occasion.

im sorry if you are disappointed with my response but as the charges have been raised correctly in line with the terms and conditions of your account they must stand.

yours sincerely

p russell
customer service centre

is this correct, can anyone advise????


nigel

I just looked through my Subject access request and when im totalling up the charges from 2000 - 2006 my total of charges are £2913.75p this does not include any interest that they have charged me. Am i to include the interest charges from them? and if i got this right i now send second latter asking them for a full refund of this amount???

Please someone advise

nigel

I heard last night on the news that the OFT were going to look in to bank charges they said i quote " We believe that banks are entitled to regain there losses and charge for people going overdrawn but they shouldnt profit from it" If this is the case the oft havent made ant ruling yet only to credit card companies how come they have been saying on this site that they have made this rule? and ive now been in a process for 2 months or more how can any of you have won when no such ruling has been made???????:-|

Yes thats what ive been thinking all along, i have a claim in now for £2931.75 hope i win too as i live hand to mouth monthly and dont see why they should have my money... did you actually get to court????

Originally Posted by nigel J sellick

Yes thats what ive been thinking all along, i have a claim in now for £2931.75 hope i win too as i live hand to mouth monthly and dont see why they should have my money... did you actually get to court????

Hi, Nigel.

If you have a good read around the forum you will see that a court appearance, (while not totally out of the question), is unlikely.

If you are proceeding with your claim by the tried and tested route as laid down in the faqs, and as described in many of the threads here, you should be fine.

Any problems, just post here and someone will jump in with advice or reassurance.

Just be aware that A&L WILL close your account for having the nerve to claim back what is rightfully yours, so open your parachute account if you haven't done so already.

Luck, dude.

lol they closed it long time ago lol as i had not enough funds but i have now sent 1st letter as instructed in faqs thanks m8