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Hi all, I'm just starting to look into claiming charges from A&L, had a quick tot up yesterday( have all my bank statements for the last 10 years) which comes to around £1800 and that did'nt include the fines for going over the agreed overdrarft limit, as i did'nt know that i could claim for these, so now going back over to recalculate!(armed with spread sheet)
a question, I see A&L close accounts when you start a claim and this could affect your credit score, would it be better for me to close the account first and then make the claim?
Other than that I'll keep you posted on my journey and keep reading this great site!
I would not close your account yet, to start with write them a nice letter (see letter templates)with details of all your charges i believe that you can only go back 6 years. they will send you back back a standard letter saying that the charges are correct. then ask again using second letter. then persue the case through the courts (there is also some useful info on the govan law center website to look aswell) good luck
[quote=numlock3]a question, I see A&L close accounts when you start a claim and this could affect your credit score, would it be better for me to close the account first and then make the claim?[quote]
Hi, numlock3.
First, I'm not sure that closure of the account on their part CAN affect your credit rating, unless it is closed because you are in debt (eg. unable to repay your overdraught). I'm sure someone will correct me if I'm wrong on that point.
If you'd feel more comfortable closing the account yourself and are prepared to wait a few more days while you set up another account, then do so.
This is your claim, your timetable and, most importantly, your chosen way of proceeding.
You might want to have a look at BankFodder's post on the subject and consider incorporating an injunction application as part of your claim? Just a thought.
I'm pretty certain that Younganfree is right, too, regarding your credit rating!
If I've helped, please tick the scales at the bottom left of this message!
17th Sept: Found this site!
Lloyds TSB
22 Sept: Subject Access Req. 3 Nov: statements arrived. Charges calulated at:
A/c 1 - £2,178.01 + int of £1,206.54 (18.4% authorised)
A/c 2 - £206.11 + int of £211.07 (18.4%) 7 Nov - prelim. 3 Dec - LBA 13 Dec - £750 offered 23 Dec - £750 credited 28 Dec - rejection letter 2 March - issued 16 April - complained at court failure to forward defence
Halifax
22nd September: Subject Access Request. 4th November: No reply so LBA giving 7 days.
Cap One
22nd September: Subject Access Req. 5th October: Letter saying no record of account! 15th October: Replied telling them to try harder... 22nd October: Subject Access Req acknowledged.
ok I'm not the most experienced user of excel! but I cant get the spread sheet to work I've downloaded from google but when I open it there is an error in the interest calc, in the daily interest column I get "value!" I tried putting the date in just about every dif way I can but makes no difference, help please
Hi numlock
I had this problem, I haven't got the spreadsheet infront of me at the moment but I think you've got to put, month, date, year, like the American system. So if you put 16/10/06 its create's a 'VALUE" because there is no month 16.
Good Luck
6/06/06 Data Protection letter sent, 18/07/06 Statements Received Total Charges £1,543.25. Int £366.13, 01/08/06 First request for repayment sent, 03/08/06 No you can't have your money letter received, 31/08/06 sending LBA, 05/09/06 Our charges are fair letter received, 14/09/06 Moneyclaim filed, 18/09/06 A&L say they will defend. 29/09/06 Settled without interest, 6/10/06 Letter to A&L requesting further payment of £362.47 to settle
thanks for the reply rob, yes I thought that but however I put the date in it didn't work (I work on a mac and I think this may have something to do with it :-|) but I've download the free software that bankfodder recommends "officeorg" link below if there are any other mac users out there
You will probably find it more helpful to keep all your posts on your original thread. That way we see how your claim progresses.
If you post all over the place it gets confusing, and you can leave yourself open to conflicting advice if we don't see all the steps you have gone through so far.
You can start your claim now and set up your parachute account. They tend to close accounts about a month after paying up. I don't think it matters who closes it, but personally I wouldn't give them the satisfaction.
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.
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.
ok done the spread sheet, the b*****ds have charged me £2655.00 (most of that in the last 2 years) i have lot of "paid item charge" is this ok to claim for or is this a service charge that i cant claim for, just want to make sure i get thing right before i send anything off
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 all, i'm back again with more questions, i've spent the last few days reading up on the forums regarding contractural intrest, has anyone added to this to there claim with A&L and if so what %rate
I just worked out that A & L are charging us 10.85% interest on our overdraft for this month. I am going to use that rate as my contractual interest when I do my claim.
I am not sure if anyone has used it but if you want to I suggest you use the current rate off their website as I don't think historical ones are kept, and could be too complicated anyway. Give it a go if you like.
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.
just starting and a question
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