Alliance and Leicester charged me Â£50.09p

**rob123** · 29th December 2006 22:29

I have banked with National Giro (A&L) for more than 30 years and do not recall ever going overdrawn. I exist on a very small disability pension only and do not claim any social security. I manage somehow to keep to my £205 per month budget. Last month an unexpected debit made me go £13 overdrawn on my current account. The A&L levied bank charges of £50 plus 9 pence interest icon

(my total weekly income). As you can imagine I had a very restricted and cold Christmas.

I complained to my bank that these charges were excessive and punitve and asked for them to be refunded. Today they refunded £25, but are insiting they will not refund all their charges. Would it be worth writing to the bank asking them to reconsider the matter as I do not think I can afford to make a claim through the courts due to my low income.
Robert

Similar Threads:

**fivelaws** · 30th December 2006 13:44

Phone them back and insist on repayment, but also open a new bank account.

I think the court would waive the charges in your circumstances- talk to the clerk at your local county court icon

.

Good luck with whatever you decide.

**nackers** · 30th December 2006 15:28

what meanies!

don't forget that if you pursue this via court then in the end they will want to close the account and you will need a parachute icon

.

**tonyevic** · 31st December 2006 01:58

Rob

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk...tml#post457694

If you know how much they have taken in charges send them a preliminary letter from templates library icon

requesting refund.

If they dont respond 'positively', follow proceedure, ie: lba icon

It is unlikely that they will be sympathetic to your situation, responding only to court action.

**rob123** · 2nd January 2007 21:49

Many thanks for all your advice I will write to them and see what they have to say.
Rob

NATTIE · 2nd January 2007 22:05

Rob I understand your sentiment but I think a little word in their ears should sort it out. Welcome to the CAG icon

and Good Luck

**rob123** · 3rd January 2007 14:15

Originally Posted by tonyevic

Rob

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk...tml#post457694

If you know how much they have taken in charges send them a preliminary letter from templates library icon

requesting refund.

If they dont respond 'positively', follow proceedure, ie: lba icon

It is unlikely that they will be sympathetic to your situation, responding only to court action.

Thank you Tony for the advice. Today I have written to the A&L using the standard letter requesting my money back. I will keep my fingers crossed they will refund me.

Robert

**rob123** · 17th January 2007 18:59

Following my letter to the A&L asking for the charges they levied on my account to be refunded, today they sent me a letter stating they have reconsidered my situation and agreed to refund 25 pence of the remaining £25 charge (originally £50.09p).
On checking my current account I noticed they have refunded me £25 leaving only a 9 pence interest icon

charge for my unforseen overdraught.

Many thanks to the CAG icon

and all the people who kindly offered advice and support. I will be making a donatation to the CAG icon

in gratitude.

Best wishes and good luck to all who have been ripped off by these banks

Robert

**rob123** · 17th January 2007 20:24

Originally Posted by tonyevic

Rob

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk...tml#post457694

If you know how much they have taken in charges send them a preliminary letter from templates library icon

requesting refund.

If they dont respond 'positively', follow proceedure, ie: lba icon

It is unlikely that they will be sympathetic to your situation, responding only to court action.

Hello,
good luck with your claim against the A&L. I have had my bank charges refunded I hope your wife has hers too.

Robert

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