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I could really do with some reassurance. I've sent my preliminary letter to A & L for charges of £59 (not much I know - but still money they shouldn't have taken)
Anyway, the 14 day deadline ran out yesterday and I haven't heard anything at all. I've got my letter before action all ready to go, but I'm petrified of sending it.
From reading other threads it looks likely that they'll close my account eventually. Unfortunately I've been making full use of the £2000 overdraft so it looks like I need to find another account with this facility pretty sharpish (any ideas?).
Anyway, I'm just worried about what following this course of action will do to my credit rating.
Please advise me - I really don't know if it's worth all of this even if it is my money I'm claiming back.
I've got my letter before action all ready to go, but I'm petrified of sending it.
From reading other threads it looks likely that they'll close my account eventually. Unfortunately I've been making full use of the £2000 overdraft so it looks like I need to find another account with this facility pretty sharpish (any ideas?).
Don't be scared - turn the tables at long last and get control back on your side.
They may close the account, although I would guess for this low figure being claimed that they will simply pay up and tell you 'not to be a naughty customer again, future charges will stand... bla bla bla"
No harm in looking for a new account though....
Originally Posted by bluekp
Anyway, I'm just worried about what following this course of action will do to my credit rating.
Please advise me - I really don't know if it's worth all of this even if it is my money I'm claiming back.
Absolutely nothing, whatsoever.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
I would suggest sending all mail to them by recorded delivery, at least you know when they actually got it then and it doesn't cost much!
The reply to my initial letter was over 2 weeks but the reply to my court threatening letter came after just over 1 week - only saying they are investigating of course...
Do go for it!!! My charges were only £75 but that's not the point, it will make you feel much better just by taking control. Good Luck, Rich
Hi rich - fancy making a new thread with your details so far - every little helps when it comes to showing people just how many others are taking action...?
End of hijack, sorry bluekp !!
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Well, I'm ashamed to admit that I still haven't got up the nerve to send my second letter.
I did receive a reply to my first letter the day after my first post saying the usual "sorry you're not happy - we'll investigate blah blah blah".
I think for my own piece of mind I'm going to have to open a parachute account with enough overdraft available that I don't drop myself in it if they close my account. Once that's done I'll post my second letter.
Also, my fiance has decided that he wants to chase Lloyds TSB for his charges so as there's no overdraft on that account we're going for it full steam ahead - data request letter is printed and ready to go!
bluekp - it's your call, and you have to be happy in what you are doing, so no problem there. Please do start a new thread though, as your case could hijack this thread.
John
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
jonni2bad - was just wondering how am I hijacking my own thread?
Anyway, my latest update is as follows:
I didn't get a chance to send my second letter following on from their "investigating" letter, as this morning I received another letter from them saying that their charges were lawful and still stand blah blah blah, but on this occasion they are refunding 100% of my charges as "a goodwill gesture".
Either way, a result for me and I've now got the confidence to take on Lloyds TSB (which I will start a new thread for).
Oh and I have filled in the survey in case anyone was wondering.
Thank you to everyone for their advice and support x
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.
was just wondering how am I hijacking my own thread?
Very sorry, my mistake - I will blame it on being tired! :o
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
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.
Reclaiming my charges
all ready to go, but I'm petrified of sending it.
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Originally Posted by bluekp
