Thread: Suggestions please...

Last week, a letter from Alliance & Leicester appeared on my doormat offering me £713.00 in settlement for a £719.00 claim.
The bit I signed and returned stated that I accept this payment as a Full and final settlement for this claim. I was not going to chase them for £6 as I have credit cards I can pay off with the money !

I posted it back to them on Thursday, so no doubt I will be waiting the full 7 working days for the money to appear in my account.

Now the bit I need help with...
I have just logged into my account on t'internet to notice that the bank are going to remove £50.00 for being overdrawn in March.
Im sure you know how this all works, charged because they charged me ect.

Do I :

a) walk into the branch and talk to the manager requesting that the charges are stopped / refunded, taking my letter with me as leverage

b) write to the bank with an approach for payment for the charges (they haven't been taken yet)

or

c) take another course of action (to be advised by yourselves)

many thanks

Jon

You could try the local branch thing, more than likely as you have accepted their offer you may need to start another claim unless you can phone the number and name on the offer and ask them to settle that charge also.
May i ask when they made offer what stage you were at?

Originally Posted by Bigmac versus

May i ask when they made offer what stage you were at?

Yes, I had sent them a letter requesting a repayment of charges. Got a letter saying they were looking into it and then another one followed shortly saying ok will you accept x amount as a settlement.

I can't tag this onto the other claim as I settled (in their words) "this" claim.
This would be a separate claim, however, if I show the letter with the settlement, would that make my life a little more easier.

Would seriously doubt it, i know what you are saying about THIS claim but other people have had success from doing as i suggested, it is your choice at the end of the day, hopefully they will see sense and return the charge but it is the A&L we are talking about here, if you do phone them i seriously dont see them refusing to settle the additional charge, honestly as you have not started court action you are entitled to continue to court, this threat alone will make them think twice.
Let me know how you got on either way.

I have decided to write a nice letter to S Rendon, whoever that is. Last time I sent a letter to them, I got a very reasonable settlement offer back.

Originally Posted by Nice letter to bank

S Rendon
Alliance & Leicester PLC
Personal Customer Service Centre
Bootle
Merseyside
GIR OAA

26th March 2007

Request for Cancellation \ Repayment of charges

Account Number : 4* *** ****


Dear Sir / Madam,

I am writing in reference to the two penalty fees totalling £50.00 scheduled to be debited from my account on the 1st April 2007.
I notice that these charges have been raised in response to my account going over the agreed £10.00 OD buffer zone when £50.00 charges were applied to my account.

I find these charges and the way in which they are applied unacceptable and I request that the charges are cancelled, if they have already gone out, refunded and that the charges that will be triggered by the charges due to go out on the 1st April are also cancelled.

I would like to draw your attention to my last claim for repayment of charges where I have accepted £713.00 settlement for a £719.00 claim. I trust that on this occasion you will also honour my claim by cancelling / refunding the unlawful charges and cancelling the charges that will be triggered by April’s charges being debited from my account.

If my claim is not resolved in a positive manner by Monday 7th April, I will be left with no option but to issue a letter before action outlining my intentions to file a court claim to recover the fees taken from my account, 8% interest on the fees debited and court fees from Alliance & Leicester.

Yours Faithfully


Bobzac

Im not expecting a positive reply but hey, it worked the first time !