Thread: About to send letter 1 to A&L Reclaim charges help

Hi All,

I'm wanting some advice if you can help

I'm about to send off letter 1 to a & l to reclaim charges, the letter is the template from the BBC website. I have been charged a total of £2185 over the past 6 years in charges, which is a lot of money over the 6 years but i'm worried that they will not refund this and close my account.

How far do they take it before issuing an offer?? i really do not want to get as far as the small claims court (the thought of it is enough to put me off)

And do they close your account???

Any advise is greatly appreciated, thank you for your time

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yes they will close the account if you will go all the way. And unfortunately you will have to make a claim as they will not just issue you a refund.

Thanks for taking the time to reply.

I am new to this as you probably can tell, when making a claim against them, is it a lenghty and difficult process to follow and do you have to make an appearance in court??

Thanks

Hi mate I have just recived full refund of over £3200, just hold in there and make sure you follow the step by step gude on this site and they will pay up.
Make sure you read the FAQ'S and completelly understand what you are doing.
They will only close your account when you are at court stage, A&L usally pay up at that stage,
If you need any more help just ask
Cheers Mitch.

Good Luck! Im currently awaiting my final get lost letter from A&L and then I will file my court claim. From what I have read A&L usually settle within the 28 days so you shouldnt have to go to court but im sure we all think its going to be us that ends up having to appear! I know I do - this is the scariest part I think!

Stick at it - for insipration read some of the *won* threads

Thanks for taking the time to answer

I'm just finding the whole think very daunting, i have an £850 overdraft facilty with them and i guess am just worried that they will close my account and want the money for my o/d back before it even gets as far as court.

Should i open another bank account now??

how long does the whole process roughly take from when i ask them to respond within 14 days to getting the refund??

Thanks guys,

from the first letter requesting the money it prob takes about 2 months as you need to send another 14 day letter (called letter before action or LBA), then you need to file your court claim. From the day you file they have 14 days to respond. If they acknowledge the claim they get another 14 days so 28 in total. From what I have read about other peoples claims they generally settle within the last few days of the 28 but that wont be the case for all.

Id open a new account now just to be on the safe side - re the overdraft, well they cant get blood out of a stone can they so if they close the account & demand immediate overdraft payback id just come to some kind of agreement with to pay them back in installments until you get your charges refunded (which you will!)