very small claim

**sanderseagle** · 21st December 2006 11:00

Hi i have just had a charge for £34 for a failed cheque and wonder if its worth sending out a prlim letter or maybe an email to get it back? if so what could i word in an email?

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**grog28** · 21st December 2006 11:42

Just try ringing them first, often if you lay it on thick and it is the first charge they will refund it.

**ampersand** · 21st December 2006 13:07

Originally Posted by grog28

Just try ringing them first, often if you lay it on thick and it is the first charge they will refund it.

They are more likely to try and get away with giving you just half back. INSIST ON THE FULL AMOUNT - courteously of course -with a careful mention of 'a Consumer Action Group which is helping me.'

**sanderseagle** · 23rd December 2006 08:18

thanks guys,
i did phone,but i completly fumbled and stuttered
i did ask for a refund but she kept quoting terms and conditions icon

,even though i said that it doesnt cost them that much to reject a cheque, i just wasnt forceful enough.

**tonyevic** · 27th December 2006 19:35

Hi
Dont be put off by the A&L or the fact its only £34.

I found the A&L very obstructive and all pleas of common sense and deceny fell on deaf ears.
They were not interested and would only quote 'terms and conditons'.
When I threatened to take this further (they flagged this on the account) they insisted I listened to their terms and conditions icon

and that their charges were fair and competitive.

They finally agreed to refund one charge only of the four (£100 in total which stemmed from being £16 OD)

DONT WASTE YOUR TIME PHONING THEM ANYMORE
(I have instigated court action against them for £75+costs+interest icon

)

You will need to open another account because its a good chance that if you pursue the forrmal route they will close your account

Send a preliminary letter requesting payment IN FULL from the templates library icon

Follow the guides in the CAG icon

**sanderseagle** · 27th December 2006 20:38

thanks for the reply,trouble is, this is a new account i set up as a parachute icon

because i've successfully claimed against the Abbey icon

,so i dont want to move banks again. 'spose they've won?

ian cognito · 27th December 2006 20:42

A&L will close your account if you claim against them, no matter how small the amount.

**tonyevic** · 28th December 2006 13:31

Hi

my advice is no matter how painful it is to move banks again..DO IT..

My experience of A&L cannot be described in words here, I have nothing but contempt for them.
See thread
My wife v A&L

http://www.consumeractiongroup.co.uk...light=tonyevic

Regards

Tony

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