How can they charge this much for a DD??!!!!

**claire1976** · 29th January 2007 11:05

I am a newbie here and just about to take on A&L for £646 of charges in last 3 years.
Just got a letter from them this morning charging me £34 for a failed transaction charge, the direct debit icon

was for £27, so along with the £34 I've got £25 charge for being over the limit. Thats £59 for a DD that was half of that - how is that fair and justified??!!

Anyway, it seems that A&L are not keen to pay out in the first instance so I'll have to persevere.
Does anyone have any tips? Should I add interest icon

to all my charges or just go for them alone?

Any advice appreciated.

Claire

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**jaynemma** · 29th January 2007 19:48

firstly, you should check out the FAQ's, that should point you in the right direction.
http://www.consumeractiongroup.co.uk...tructions.html
Secondly, you cant add the 8% interest icon

until the claim goes to court (which it most probably will do)
http://www.consumeractiongroup.co.uk...eadsheets.html

**KHMcBey** · 30th January 2007 02:43

I took on A and L last year and won - followed all the steps on the forum here, waited the requisite number of days. Definitely add on the 8% interest icon

, I did when it came to filing my claim and I got back over £900. I also added on each new charge with every letter I sent them - between me sending my first letter and filing my papers, they'd added on another 4 charges. Got it all back

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