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Hi This is my first time. I am now on the pursuit of my charges from A&L
This is my first letter I am going to send.
Can anyone advise me if this is reasonable as a first (freindly) letter.
Thank for now!
Dear Sir/Madam.
We are writing to request the full refund of all bank charges that you have imposed on me and my wife over the past couple of years.
We have been advised from a strong source that the amount of each charge is in effect illegal.
We are frankly quite shocked that you have operated our account in this way as I had always reposed confidence in your integrity and expertise as our fiduciary.
Your responsibilities
We would draw your attention to the terms of the contract which you agreed to at the time that we opened our account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
We consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived us into agreeing to pay them.
Your concealment of the true nature of your charges has prevented us from asserting our rights until now.
What we require
We calculate that you have taken £XXXXX plus £XXX which you have charged us in overdraft interest for the sum which you have taken. Total £XXXXX .
We enclose a schedule of the charges which we are claiming with this letter.
I claimed from A&L and included paid item charges and interest - the only thing I didn't include was the overdraft arrangement fees and annual charge for OD.
Good luck, if you need any help please let me know.
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
In your letter's 2nd para, you call their charges 'illegal' - I'm not an expert so I'm not 100% sure of my facts but it is my belief that you can't use this term.
If you don't want to use the template word for word you could try something like:-
"It has come to our attention that your system of charging is unlawful at common law, and under statute and recent consumer regulations."
You also need to tell them you are giving them 14 days in which to reply (or enter into dialogue on the matter!).
As I say, I ain't no expert, just trying to offer some friendly advice to a fellow victim. So don't quote me! But if I've helped in any way, that's cool. (You can always click on the scales and tell the world!).
I'm in agreement. Gotta be careful with what you send as if its wrong they will know you don't know what your doing. The original template is tried and tested and i understand you want to send a 'friendly' first letter but they are not very friendly when they take the unlawfull charges!!
When you get further on in this you will see how unfriendly they are as they don't send us personal letters, they are all the same!!
Hope this helps, were all here to help you
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Oh yes include them, its like lindy123 says its just the overdraft charge which is a service.(not the unauthorised overdraft charge as you can claim for these too!)
Failed direct debit charges, paid item charges and unpaid item charges, all of these can be claimed for. Don't include the 8% interest until you file a court claim though.
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.
I've just left a post on your other thread, Meatstew - it's best to keep all your questions on this one thread. It makes it easier for us to get the bigger picture.
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.
First letter draft to A&L
interest for the sum which you have taken. Total £XXXXX .
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