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stephen66

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About stephen66

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  1. They said that they would refund only the first £35 and told me to claim the rest from A&L because they said the charges were outrageous.
  2. Thanks. Is it worth sending the application to lift the stay, including the bundle of documents listed on this site, or do most applications fail?
  3. Hello, I have been reading this web site all morning and it is full of useful information, so thank you very much. However my recent application to teh county court has been stayed and I am looking for advice on what to do next. I see that many of the posts re. stays are dated 2006 and 2007. Has anything changed since then? Am I best to submit the stay bundle and asked for my case to be heard? Thanks, Stephen.
  4. Here's a re-cap and update of my story. I would be grateful for advice re. the stay: Due to a direct debit that went wrong, my account with Alliance & leicester (A&L) went £2.67 overdrawn. That's two pounds and sixty seven pence. A&L made no effort to contact me and so I did not learn of the debt until three weeks later. A&L have charged me £5 (five pounds) per day for being overdrawn. So for being £2.67 overdrawn, I have been charged £120 (one hundred and twenty pounds). This charge seems obscene to me. I have written to A&L customer services who have replie
  5. I don't understand this £5 per day overdraft charge. Has it always existed or has it been recently introduced? I wonder whether it was introduced in response to the judge's remarks in the test case; that overdrafts were a service banks could legitimately charge for? Even so, how can they justify charging £5 per day when I was only £2.69 overdrawn? Surely £2.69 is the maximum they could charge? It seems to em that these £5 per day charges are open to the same arguments as the £35 overdraft letter; it does not cost that much to the bank.
  6. I have used the templates from this site (thanks) and sent the letter before action, but just had a patronising reply about how the charges are legal (in A&L's opinion). The necessary time has elapsed, so I have moved to the next step and posted the particulars of claim to the court.
  7. Hello, I used to have my mortgage taken from an Alliance & Leicester account, then I arranged to have the mortgage taken from a different account. My mortgage lender assured me the direct debit had been changed. Unfortunately, it wasn't. The direct debit was presented to A&L and I was fractionally short of funds. This caused me to go overdraft to the very modest sum of £2.69 (two pounds and sixty nine pence). Now banks used to justify their £35ish charges saying it was to cover the cost of their letter. A&L had my postal address, my land line phone number, my mobile
  8. Hello, I filed a claim against A&L in May. The problem is that each month that this carries on, A&L are charging me a £5 penalty for not depositing £500 to the account. This £5 charge then triggers two £25 unauthorised overdraft charges, so each month the amount in dispute increases by £55! How can I amend my original claim to include the £110 incurred since then, or do I have to file a second claim? A&L have sent a cheque to settle out of court but this is now £110 too little because of the charges in the meantime and this will no doubt increase as time goes on.
  9. Sorry I must have clicked twice. This is a duplicate post. How can I delete it?
  10. Hello, I had a letter from A&L saying that if I did not put a certain amount of money in my account each month they would charge me. I understand, though disagree, that they charge £35 for sending a letter, but I cannot see how they can justify charging people for NOT using an account; by definition, that is making them do less work! Has anyone fought against these "low usage" charges? As it happens, I decided to close the account and go to a bank that would offer free banking. This new bank offered to transfer all of my direct debits etc. Unfortuanately a certain building society refuse
  11. Hello, I had a letter from A&L saying that if I did not put a certain amount of money in my account each month they would charge me. I understand, though disagree, that they charge £35 for sending a letter, but I cannot see how they can justify charging people for NOT using an account; by definition, that is making them do less work! Has anyone fought against these "low usage" charges? As it happens, I decided to close the account and go to a bank that would offer free banking. This new bank offered to transfer all of my direct debits etc. Unfortuanately a certain building society refuse
  12. Hello, When I tried to go to the CAG home page [http://www.consumeractiongroup.co.uk/] I get a page of gibberish, which begins: ‹�����xÚí}ksÛ8²èç¨Jÿ«¹;NnYO¿ŸSŽãL¼›×ÚÎf§ÎžJA"$qL>¬èlí¯9ÿäþ²Û€")ɲ;ÉìÈ•Ø|€@£ÑÝèn4‡zñîôê—÷gb˜øžxÿáùëóSQ«7›7N›ÍW/Ä?^]½y-ڍ–¸Šd»‰«é5›gokÕJm˜$á~³9£†ŽÍ«‹æg¬¬_›Ëz’û´á$Ní¸Z9¤&?û^ͨ§½··ÇŸ×„'ƒÁQM5,¾ŸÝQ%J:ø×W‰XK]ý–º7GµS$*HêWãPÕDïŽj‰úœ4±ÖÑÊ(VÉ‘ëúîîÖ^½]M¬Ësƒk1ŒT¿�T§¾Šdû1ˆt³FzÝL”z2Qqó×øSìÛs“q³Ç;ûY9 ¸ª‰HyGµ8{**•ÔD ˆ¨€¯WB‘^¤°¯‹—º_�Ë and fills the whole screen. It's been like this for a few days now. Luckily I used google and found a link to the forum pa
  13. Hello, ITV showed the "Tonight with Trevor McDonald" this evening (23 Feb 07) about reclaiming bank charges. It was nice to see the faces that created this web site; thanks very much for your hard work and inspiration. What interested me was that some chap was shown who had complained to the FOS that A&L closed his account in revenge. The FOS ordered A&L to pay him £100-odd compensation. A&L closed my account in revenge too but when I complained to the FOS they didn't care. In fact, Mr King from the FOS phoned me and spent 20 minutes telling me off. I felt he was an
  14. Hi, No you didn't offend but your opinion seemed at odds with the point of this web site. I agree that some people have chased banks for much more than this but I think these large bank debts are actually many little charges added together; for example ten thirty pound charges totalling three hundred pounds. I don't see how a thirty pound unauthorised overdraft charge is any different to a thirty pound change of address charge. Such charges may be legally right but they are morally wrong on the basis that it doesn't cost thirty pounds to send a letter. Slightly off the original topi
  15. Hello again. I had a similar problem with Budget car insurance when I changed my address. I'm afraid that Budget only gave me my £35 fee back when I filed a claim at the small claims court. I know it might sound extreme but it's the only way. Please see my thread (also in this group) about my success; I'm afraid I do not know how to post a link to it. Who knows, if enough people do the same, they might start lowering their charges? You can file a claim within six years of the event (I think), so don't let the fact this happened last sumemr stop you.
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