Thread: Me v A&L

Hi

Will be sending off my Data Protection Act request tomorrow to
Alliance & Leicester plc
Customer Contact Centre
Bootle
Merseyside
GIR 0AA

For details of charges for both banking and credit card charges from A&L

Looking forward to getting these charges reimbursed

Hi All

Just sent my data request so will keep an eye on how you are doing and how long it takes. Giving 40 days seems like a long time to wait for anything but it will be worth it with those charlatans. Charged me £50 for being £1.80 over my overdraft even though as lady at their call centre said they wouldnt charge for such a low amount.

have opened a parachute account just in case they close mine.

Hi Kurd70

had my statements back dead on 40 days even though they cashed cheque just after I sent it. I have now sent 2nd letter giving 14 days. Hope yours is on track?

Hi there

As MBNA is a different company, if you like, to A and L. You will almost certainly need to write to them rather than to A and L

Hope this helps

B

Will be sending request in the next few days for charges to be reimbursed
Surprised at the amount charged in fees. all fees were 25 pound each and above except 11 which were 5 pound each
These eleven, I will not be claiming back as I believe these were relating to an agreed overdraft and dont think they will reimburse these

Hi for one reason or another I am only sending off my preilim approach for repayment tomorrow
I have finally gone through all the charges
most are for 25 pound each paid item charges and monthly overdraft charges also 25
failed direct debit charge 29.5 most of them 34
and then the monthly overdraft charges of 5
My question is did the rest of you reclaim the 5 pounds monthly overdraft charges these used to be 25 but then became 5 pound each
Please advise

got a response from a&l acknowledging receipt of complaint. they say they are fair and refer to the current legal proceeding with the OFT
I will be sending of my letter before action tomorrow
As stated previously the charges i am claiming back most are for 25 pound each paid item charges and monthly overdraft charges also 25
failed direct debit charge 29.5 most of them 34
and then the monthly overdraft charges of 5

Thanks

Got my credit card statements today currently doing up Premilery letter
Regarding the bank charges the amount involved is over a grand, sent off letter before action very recently
Thanks Jan

Hi
Got the following response to the letter before action from a&l
"Thank you for your letter in response to my previous correspondence regarding the status of you request for a refund of charges
While I appreciate your comments, our poistion remains unchanged in that we are unable to process your request until the outcome of the test case is known
Alliance & Leciester, in line with other financial service providers, have asked the Finacial Services Authority (fsa) to suspend the normal timetable for dealing with complaints in relation to charges for unauthorised overdrafts. The fsa have agreed to this request
Although we don not know how long the case will take, I can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible.If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Finanical Ombudsman Service or to the courts
You can find more information on the test case throught the following
Financial Services Authority
The Office of Fair Trading: making markets work well for consumers
Financial Ombudsman Service

Once again i can only apoligise for the inconvenience that this has caused and i can assure you that once the test case has come to a conclusion we will advise you of the outcome"


Ok so despite requesting terms and conditions of my account in letter before action they have not done so
Just got letter above
I take it the next step is to file through courts? with particulars of claim N1 form?