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I have sent a preliminary letter requesting the return of bank charges to the sum of £2042.45. I am thinking of sending a DPA disclosure letter to A & L Credit Card next. These two accounts are in my name only. However my wife and I have a mortgage together which is also with A & L. My question is: Will they get a bit funny, perhaps threats etc. with our mortgage if I go ahead with the other two claims?
I hope that was clear, I am new to this excellent site!
Re: Alliance & Leicester - Preliminary letter sent.
They can't touch the mortgage. It is subject to a separate contract and is not a matter of discretion in the way that an overdraft is.
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Re: Alliance & Leicester - Preliminary letter sent.
Got reply from prelim letter. It says "We are currently looking into the situation and will be writing to you with a more detailed response." etc...
Guess it's time for the lba!
Re: Alliance & Leicester - Preliminary letter sent.
Received another letter from A&L yesterday offering £200 refund as a "gesture of goodwill". So sending letter accepting offer as part payment only and will continue my claim for the remaining amount!
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.
Re: Alliance & Leicester - Preliminary letter sent.
Update! Got second sod off letter from A&L A couple of days ago. It says the charges are correct and legal! They also say they are sorry that I am disappointedwith their service etc... No mention of the £200 that was previously offered. Moneyclaim next me thinks!
Re: Alliance & Leicester - Preliminary letter sent.
Just got a letter from A&L this morning.....
It says "I must formally advise you of our intention to withdraw the chequebook and card facility that you hold on this account."
It then says "Please contact our office immediately to arrange for alternative stationery to be sent. If you are unwilling to comply with request, we will have no alternative but to recover the card and stationery by other means."
Re: Alliance & Leicester - Preliminary letter sent.
Will be going to Moneyclaim when I get payed!
Opened account (Nat West step) today. Waiting for confirmation.
Also got joint account with missus that we hardly ever use.
What I was thinking was; if making me return the cheques & card are for breaching the T&C's, then closing my account after I go to Moneyclaim must be strong evidence of realitory action? Musn't it? I mean why not close the account now?
Re: Alliance & Leicester - Preliminary letter sent.
After a 'heads up' from lesleyN, I checked out the Daily Mail online this a.m.
Seems the Financial Services Authority have asked the Banking Code Standards Board to clarify the position re closing accounts of 'victims' who have claimed refund of their charges.
The BCSB is apparently to decide on its position re same at a board meeting today.
Re: Alliance & Leicester - Preliminary letter sent.
Hi I am currently a A&L customer with 2pounds in my account I have recently changed to Halifax and barely keeping my account open with A&L I am presently at the moneyclaim stage and scared stiff however I am pleased to see someone else is having exactly the same problem as me, I feel we have no option other than to go all the way it is our money not theirs so Good Luck lets hope we win!!!
Re: Alliance & Leicester - Preliminary letter sent.
Originally Posted by belld1
Hi I am currently a A&L customer with 2pounds in my account I have recently changed to Halifax and barely keeping my account open with A&L I am presently at the moneyclaim stage and scared stiff however I am pleased to see someone else is having exactly the same problem as me, I feel we have no option other than to go all the way it is our money not theirs so Good Luck lets hope we win!!!
Hi there Deb (?), welcome to the forum.
Why don't you open a thread of your own, then you can share your fears with others? You'll get loads of encouragement, as well as advice if you need it.
There is no need to go through this alone. As they say, a trouble shared is a trouble halved.
And, others may benefit from what you have to say on your experiences. 8)
Re: Alliance & Leicester - Preliminary letter sent.
Thanks maybe I will if I can work out how to do it (not that clever you know!) I have just put my claim in through moneyclaim I was quite suprised at how easy it was.
Deb
Can anyone help, i have sent a prelim letter 2.07.06. It is soon to be coming upto my 14days notice given in the letter. Do i hit them with my money claim or re-send the letter again. The issue is i have not got anything back from them at all not even an acknowledgement they got the letter.
Many thanx i will send the letter again this weekend registered delivery. Thanx for your help.
I will keep this as short as possible.After many a row at home about my wifes spending and lack of intrest in looking through the bank before spending A&L have hit me and my wife since Jan 2006 with a staggering amount of charges (28 in total) totalling £783.00. I have asked for an OD extension and a loan and been refused on both.
At the start of July i had, had enough. I sent in a Breakdown of charges which include Failed DD, Uauth OD, Paid Item charge, failed Cheques etc. So in i sent my initial approach for re-payment letter. NO REPLY from A&L.
Last Monday i posted my second claim letter giving them a further 14 days to respond. I still have not heard anything and next Monday is 14 days up.
My question is this do i just hit them with the claim? (IF i do not hear anything)
This is a big step for me to be taking on a bank is there any other advice users could give me. I really am papping myself at the outcome of all this.
Re: Alliance & Leicester - Preliminary letter sent.
You must send another letter stateing they have a further 14 days in which to reply to your request, after that there will be no further communication as you will go to the small claims court, there is a letter in the template library which will guide you?? From my experience they replied to both letters telling me to Sod Off basically just keep going
Debs
Re: Alliance & Leicester - Preliminary letter sent.
On further diliberation I have remembered A&L did not reply to my first letter therefore I sent it again registered post this means they have no choice but to answer, I did the same with the second letter and they replied within 3-4 days. What I found a great help with the process was Martins first ever step by step advice the web address is UK's only money saving expert
hope it helps
Debs
Alliance & Leicester - Preliminary letter sent.
together which is also with A & L. My question is: Will they get a bit funny, perhaps threats etc. with our mortgage
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Re: Alliance & Leicester - Preliminary letter sent.
Re: Alliance & Leicester - Preliminary letter sent.
Re: Alliance & Leicester - Preliminary letter sent.
Re: Alliance & Leicester - Preliminary letter sent.
Re: Alliance & Leicester - Preliminary letter sent.
Re: Alliance & Leicester - Preliminary letter sent.
Originally Posted by Jeff2000
Re: Alliance & Leicester - Preliminary letter sent.
From my experience they replied to both letters telling me to Sod Off basically just keep going
