Hi All Just won ongoing dispute with A&L who sent threat letters for a total sum of £478.31. Short story is I was OD by £6.31 at beginning of Jul 07 after all my bills had been paid, had no more money to put into account for 1 remaining direct debit, asked A&L for temp overdraft. Suprise they said no..... Direct debit comes into collect funds it bounces and incurrs charge of £34, A&L asks them to collect again in 7 days incurred further charges, £34 charge again. So by end of July I'm £289 OD all charges, I changed tactics got my wages put into another account with Barclays. A&L phone me asking where all my DD's and wages had gone because I was £289 OD. I kindly informed them I had no intention of paying their charges anymore as I was going around in circles paying charges every month, it was getting to the point where I could not afford my mortgage. Anyway they kept on with harrassing phone calls and letters threatening legal action. I told them to take me to court and see how silly they looked when the Judge finds out I was only £6.31 OD and how I accrued charges of £472. final demand comes through post for court action, they phoned me I explained why I still wasn't going to pay the charges but was willing to pay £6.31 which I was originally OD. They tried bully tactics, I stuck to my guns and they said they will write off all charges. A result for the little people I believe........ Show them the error of their ways and come around to your way of thinking! Sit9191

Hi Mochamoo, Many thanks for the reminder, been very busy! All done now though. Thanks again Sean

Hey All, My LBA & Schedule in post today, a little late I know. Maybe A&L thought I would take no for a final answer. How wrong.............. Let you all know how I get on. TTFN Sean

sorry my email is sean

hi mochamoo link still not working, pse would you email a copy of yours? many thanks Sean

Hi, everyone, This is my first thread so please stick with me whilst I get used to the way we do business.......... OK, Firstly like too say hello to everyone.............. Posted my initial letter to A & L on 10 Apr 07 requesting refunds on bank charges! Excited, apprehensive......... Great reply in post within 10 days, last Saturday to exact! NOOOOOOOOO! Big fat no chance nada, never, not on your nelly!! Furious was an understatement, followed up with a phone call. The usuall what grounds do you have to ask for your bank charges to be reinbursed. It's your fault, our charges are fair and evrything we do complies with our T & C's. Yeh whatever!! Told them I will commmunicate by letter only from here on in, so standy and I'll see you in court! HA have some........ Their response - Take us to court, you are not having your charges refunded! Good bye! :-x Completing schedule and LBA as we speak, need help though the hyperlink to the excell spreadsheet doesn't work. Will keep you all updated. TTFN Sean;)

Hi Kaileo, Just an idea! deposit it into a high saving account if you have one and collect the interest. if bank asks where the money is? state you have kept it in another account, so you didn't spend any. I'm sure there is nothing illegal....... Anyone please correct me if I'm wrong and humbly apologise. TTFN Sean

Hi Chocolatte Just started claiming against A&L, they responded to first letter and stated they will not refund any charges. Followed up with phone call. seemed very abrupt and made out its all my fault.... Is this their standard response?? I hope not cos I really would like my money back. TTFN Sean