Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 7 of 7
  1. #1

    Angry Help with A & L

    I've got as far as sending the 1st letter for repeyment and schedule of charges. I got a letter back this morning saying that their charges are fair and that they cannot give me any of my money back

    What should I do now????

    Similar Threads:

  2. #2
    madcap magician
    Guest

    Default Re: Help with A & L

    Shorty,

    That is a standard fob of letter that all the banks do to try and stop you claiming. Their penalties are unlawfull, so they can be claimed back. Just ignore the letter, wait the fourteen days, and then send off the lbaicon.


  3. #3

    Default Re: Help with A & L

    Thank you very much


  4. #4

    Angry Alliance and Leicester

    Hi all,

    I dunno if this is in the right place. I made a mistake a few months ago, I sent off 2 cheques to 2 mail order companies, however the cheque book I used was an old one, hence the cheques did not clear. So not only have I gone into my overdraft that I don't have and am now getting billed for but I also have to pay for the bounced cheques. I'm on a tight enough budget as it is and for a while I buried my head in the sandicon and thought I could reclaim all the charges back anyway, but now I've started paying back the money. I paid 50 as an initial payment and then set up a standing order to the account for 100 a month which is all I can afford. But on looking at my statement I noticed that A&L charge 5 a day for everyday you are in your unauthorised overdraft. I'm getting charged 150 a month for this. I'm now upto almost 500 and with 150 being added onto this every month and me only being able to pay 100 off its just money wasted and I will never get out of this downward spiral!!!

    Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgageicon because its come to the end of its fixed term but I can't go with a 'normal' company because of this outstanding balance on my credit file.

    Thank you in advance

    Marie


  5. #5

    Angry Alliance and Leicester

    Hi all,

    I dunno if this is in the right place. I made a mistake a few months ago, I sent off 2 cheques to 2 mail order companies, however the cheque book I used was an old one, hence the cheques did not clear. So not only have I gone into my overdraft that I don't have and am now getting billed for but I also have to pay for the bounced cheques. I'm on a tight enough budget as it is and for a while I buried my head in the sandicon and thought I could reclaim all the charges back anyway, but now I've started paying back the money. I paid 50 as an initial payment and then set up a standing order to the account for 100 a month which is all I can afford. But on looking at my statement I noticed that A&L charge 5 a day for everyday you are in your unauthorised overdraft. I'm getting charged 150 a month for this. I'm now upto almost 500 and with 150 being added onto this every month and me only being able to pay 100 off its just money wasted and I will never get out of this downward spiral!!!

    Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgageicon because its come to the end of its fixed term but I can't go with a 'normal' company because of this outstanding balance on my credit file.

    Thank you in advance

    Marie


  6. #6

    Default Re: Alliance and Leicester

    Bump

    All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
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  7. #7

    Default Re: Alliance and Leicester

    threads merged-which forum do you want this in ?

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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