Thread: Fe_dup_1 vs A&L

Just starting on Alliance & Leicester.

I have got all my statements and have calculated that they have taken £406.60 from me over the last 2 1/2 years

Sending my preliminary tomorrow.

Eventually got round to sending my request for repayment on 23rd April.

Got a letter back today basically saying that they feel that their fees are reasonable and competitive with those made by other financial organisations. They also said "that the OFT had commented that they consider that the level of late payment fees are unfair", but however A&L have decided that they were referring to late payment fees for credit cards payments, "which are quite distinct from a bank's fees on current account."

They said that discussions were ongoing between the banks and the OFT regarding current accounts.

They enclosed a copy of their complaints procedure leaflet.

Oh well - on to the lba

And the final total charges was £491.19 inc debit interest.

Haven't updatd this for quite a while .

Sent a lba 23rd May and received an offer of £22 (the claim amount now being £575 cos they have charged me further).

Got banged with more charges so sent a rejection letter on 9 July with a revised claim amount of £600 (including debit interest).

They have given me another £34 charge today . So when the claim goes in I will be adding that to it as well.

so if you did lba on 23/5 are you starting court action now?

What do you mean by debit interest?

Jan

The debit interest was the interest that they charged me for me being overdrawn. It only amounted to £1.75 over the 2 years .

I will be putting in a court claim next week (when I get paid!!).

I phoned Customer Services yesterday about the last charge because as far as I can see from my online statement there was enough in the account to pay the DD but they bounced it . The lady I spoke to agreed that maybe it shouldn't have been bounced but she didn't have the authority to undo it. I would hear from another Department within a few days about whether it had been reversed or not. So I thought oh well there's another one to add to the claim .

Haven't posted on here for a while

I never got round to putting the claim in to Court. My question is - do I have to start from the beginning again (request for replayment then lba, etc) or should I just put in a claim to the Court.

I am also assuming that I can still claim back from 2000, as that was on the original claim.

Hope someone can help