I used the templates and had to tweak a bit to get it all in! But it worked and 11 days later - today! - I got a cheque back for the full amount!! You will get an acknowledgement from A & L stating they are going to contest the full amount.... just ignore it! Soon after that you cheque will appear!!! good luck! grit your teeth and go for it!!!

I am elated! cheque received today for £838! MCOL was issued 21st August, acknowledge 23rd August - saying they intended to contest full amount - cheque dated 1st September received today with letter saying they will be contacting me shortly to discuss future op of my acoount! What a surprise - I have another account so I dont care!!! Grit you teeth folks and keep going,,, YOU WILL WIN!

Just do exactly as the advice or here says,, in the timeframe as indicated on here. I had exactly the same letter... just follow the advice to the letter! read through all the postings and you will find we all have the same letters... I have today received a cheque for £838 pounds...cant belive it!! and dont forget to donate when you have your money back!!! :o)

yes they always say that...just follow the good advice on the site here and keep going... I have had a cheque in the post today for £838! You will have to take out a MCOL and they will say they are going to contest it...but DONT give up because THEY WILL!!! good luck! :o)

Hi Lisa... well done you,,, I have today received a cheque from A & L for £838.66! full and final settlement and they WILL be contacting me about my account to discuss its future operation!! But I dont care. I issued my MCOL on the 21st and the letter with the cheque was dated 1st September... so expect your cheque in about 10/11 days.... I also got the acknowledgment for MCOL saying they intended to contest the full amount... but I just ignored it!! Let me know when you have your money!! :o) Paula

I am prob being thick...but 8% of £100 is £8 which equals 0.21p per day? times that by 365 equals £76.65.... sorry I told you I prob being thick.... ;o(

Hi... just nervously completing online moneyclaim form but not sure what I should put in for the daily interest rate under that part of the claim?? Any help gratefully and nervously received..... will I be the first person to have to court??? eek! Dont let me back out now!

Dont wanna rush it... gotta pop up hospital to visit my 18 year old cos she had op on hip,, will do it nice and thoroughly this evenin... good luck to us both... I am taking on Smile... only had account 9 months and they charged me £649! They were SO sneaky!!!

Hi ... I am just about to issue my first MCOL and just wondered how I send my schedule of charges? Is there a way of attaching the spreadsheet... or do I wait until I get a written acknowledgement and send it then? I am scared witless and convinced I will have to be the first person to go to court! BUT if that is what it takes I will go with as much media coverage as I can possibly muster up!:? Thanks in anticipation!

Sent DPA letter end of May and it took right to the limit for the huge pile to arrive! Prelimary letter sent 24th July, received response saying OFT ruling didnt apply on Saturday 28th - speedy or what? and the obviously send that letter to everyone! LBA letter sent today so I will keep you posted! I am claiming £633 - pity it could not be more then 6 years! good luck to everyone! Parachute deployed and fully working!

also did they repay the money? or did it have to go to court? I feel quite daunted - but determined - to go through with it... :o(

I have my parachute ready and waiting.... fortunately we have not used the A & L as a main account for a few years now..... So they can go ahead I not care!

many thanks - I was being thick ! :o(

Hi All I am probrably being thick:confused: but I cannot find the 2nd letter to send to bank - the one after the preliminary one? A & L have - not surprisingly - denined the charges are illegal saying the OFT was referring only to Credit Card charges, and I now want to send the second letter giving them a further 14 days to reflect.. Smil however have magically credited my account £133.37 - the last lot of charges - without advising me.... but I want them ALL back. They are the worst bank for applying charges but do not let you know you have gone over limit so the charges just built up without my knowing! Anyway many thanks