Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
had my wages go into the bank weekly for years etc so always had an active account in the black(quite a few times in the red i expect lol)
anyhow remember when they changed from building society to bank or whatever they did?
people who had a certain amount of money in their accounts got a nice little share windfall but not me.
i never received a notification of the dates and amounts you needed and when it all took place i went into my branch to see what was what and was told i never qualified because i was under the £100 by about a tenner or even less.
do you think i should have/could make a claim stating how unfair it was and wether i should have qualified as i used that account for all my direct debits/wages/standing orders etc so had prrof i was a regular customer unlike all the people who heard about the merger thing and just deposited a lump sum untouched a month before and so came out quids in?
it'd been a few years obviously but this has always bugged me and wouldn't mind a few quid coming my way these days!
as for other charges i bet if ai claimed for the past 20 years i'd be loaded-natwest and HSBC stung me for years
I think thats way too long to get a claim in now, I think you may have had some sucess 9 years ago, if you had complained to their H/O at the time, but I doubt it now! Again I cannot say for sure! Another member might be more informative...
rang their head office but the women dealing claimed she couldn't give full info.
basically i wanted know what accounts did/didn't qualify.
she said she thought currant accounts didn't but didn't seem to sure/was trying to fob me off.
anyhow i think i'll contact them in writing and see if anything can be done-spoke to someone on another forum today and he said had the same problem- adirect debit took him a pound under their requested total so got sweet fa-syrely this was unfair.
a&l are refusing to pay back anybodys bank charges-all read in
did the initial lba for my wifes old current account-was only £245 of charges and received a letter containing the following!!!
Dear glsp account(what the hell is a glps account?)
I have noted your comment that you believe the charges ttaht have been raised on your account to be unfair, please be assured our charges are reasonable and are competitive with the charges made by other financial organisations.
The office of fair trading(oft) has commented that they consider the level of late payment charges to be unfair, however they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts.
As yet, the oft have not entered into any discussions with the banking industry regarding current accounts. however, should the position change in the future, then alliance and leicester will participate as appropriate.
given the above, i cannot accept you have been unfairly charged as you suggest.i regret , therfore, that i am unable to agree to your request for a refund of the charges on this occasion.
This was a stock letter under the refeerence UNFAIR2 sent by M PARKER at customer services in bootle.
so thay are saying the don't/won't/never will pay back current account charges.
has anyone else received/seen this letter.
do i just proceed onto the next stage now and also get the 8% interest added to the total?
this could be a worrying thing for many people who may be fooled into thinking the bank are in the right.
Re: a&l are refusing to pay back anybodys bank charges-all read in
I also recieved this letter, the first time i approached them for repayment, now after sending lba recieved another letter saying their charges are in line with everyone elses and they consider them fair and basically they will not be repaying me. I am at a loss as to whether to continue or not
Re: a&l are refusing to pay back anybodys bank charges-all read in
Hi, Like everyone else says this is a standard letter. You will also notice they do not even have the curtisy to sign the letter!!. Keep going, I had this letter and got paid out after keeping going.........
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Re: a&l are refusing to pay back anybodys bank charges-all read in
If you read through the successes on the A&L forum you will get to know their strategy. It is the same for everyone. Deny charges are unfair, you take out small claim, they serve notice to defend, and then pay in full. Don't worry, read through the forums and get confidence and then proceed. I have been successful twice.
Re: a&l are refusing to pay back anybodys bank charges-all read in
I had the very same letter 3 weeks ago I responded with a second letter and had a further refusal from the customer services at Bootle. everyone has advised me to persue the claim which I intend to do . stick with it thats everyone who i've spoken 2 has said. good luck
Re: a&l are refusing to pay back anybodys bank charges-all read in
I' about to put together my mcol to this lot. The letters are to scare you out of proceeding. I'm nervous about doing it but there's no way i'm going to be ripped off. Follow the advice here and the timeframes and hopefully all will go well. Looks like there's a few of us doing the mcol in the next few days so take pleasure in the thought some poor sods got to go though all of them and tell the boss that they're about to be forced into some large payouts. Just remember they're edit and we're in the right!
Re: a&l are refusing to pay back anybodys bank charges-all read in
I sent them my lba letter and schedule of bank charges recently & after 2 weeks finally had a reply from the manager of the customer services a hilary cummings who again refused to repay and enclosed a leaflet regarding complaints procedure to the Financial Ombudsman. Thats it my moneyclaim will be completed and sent to them this week for the full £800 plus 8%. Lets see what happens next!
do you think i could make a claim for this???
stung me for years
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Fizzer 
Lily 
Re: a&l are refusing to pay back anybodys bank charges-all read in
Re: a&l are refusing to pay back anybodys bank charges-all read in
