yorkiebarkid V alliance & leicester
Hi , I sent off S.A.R - (Subject access request) and CCA on 22 may for my hubby, received a letter back dated 24 may, but not received until 26 may, saying
' Thank you for contacting us regarding fees which you feel were unfairly debited to your account.
Whilst I understand your concerns, please be assured our fees are reasonable and competitive with those made by other financial organisations.
The OFT has commented that they consider the level of late payment fees to be unfair, however, they are actually referring to late payment fees for credit card payments, which are quite distinct from a bank's fees on current accounts.
Discussions are ongoing between the banks and OFT regarding current accounts and once an outcome is known, Alliance & Leicester will review its position as appropriate.
As well as making our customers aware of our fees when opening accounts, we also continue to do so through our website, our baranches, by telephone and on the back of statements. In view of this, I do not feel that you have been unfairly charged and regret that I cannot agree to refund your fees.
I enclose a copy of our complaints leaflet which explains the steps we take to deal with complaint and what to do if you are unhappy with any respect of our response. If you have any further enquiries regarding your account, our customer service telephone number is show above.'
No copies of statements or complaint leaflet.
This has been going on for 3 years them trying to get hubby to pay more fees and dept collector letters etc. Saw this site and decided on above action as previously wrote asking for statements in an ordinary letter, no response, just 'yes you owe us over 600 quid.pay off your overdraft
Please advise next action
thanks karen
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