Thanks nackers! The whole process was started 28th June, but they severely dragged their feet in getting my statements to me, then there was a huge delay while some charges on the statements had to be clarified. So, it was 31st august until i had actually calculated my losses and sent my first letter asking for them back. LBA sent 11th sep. So, once they recieved my official comlaint the process only took 6 weeks or so. Hope this was some help, good luck with your claim. James

You didn't help but many thanks for the congrats. I loved the shakespeare quote - very apt!

Today is a good day. After only 5 days from Alliance & Leicester acknowledging my claim on moneyclaim, I have recieved payment in full for £1,559. My smile is permanent today! It's an amazing feeling knowing you've taken on a large corporation like a&l AND WON!!! A message to anyone in the middle of a claim - keep strong, don't take no for an answer and keep the image of the magic day when the cheque lands on your doorstep firmly in your mind - THAT DAY WILL COME!!!

They certainly intonated they will, but i think i'll tell them before they tell me...! Godd luck with your claim.

Today is a good day. After only 5 days from Alliance & Leicester acknowledging my claim on moneyclaim, I have recieved payment in full for £1,559. My smile is permanent today:D! It's an amazing feeling knowing you've taken on a large corporation like a&l AND WON!!! A message to anyone in the middle of a claim - keep strong, don't take no for an answer and keep the image of the magic day when the cheque lands on your doorstep firmly in your mind - THAT DAY WILL COME!!!

Tadamus, It baffled me for ages! I opened a current account with a&l in mar 02. After the usual hassle of getting a&l to send me my statements from the last 4 years or so, i finally received them and was confused to see no unauthorised charges before sep 04. However, there were excessive charges of £25 marked on the statement as 'Monthly O/D Charge'. At first i obviously wondered how this could be as we all know the monthly charge for having an o/d facility is £5. On further inspection i noticed that some months i was charged £25, some months £5. I went to extreme lengths to get this anomily explained by a&l, to very little avail. For 4 weeks no one in the company could explain why these charges weren't marked as unauthorised, but on further investigation it was evident that the months where i was charged £25 correlated to previous months when i went over my o/d limit... ...which was fine because it meant i could add them to the obvious charges applied post sep 04! Hope that makes sense. Might be worth double checking your statements before sep 04. James

When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements. My 1st letter to them got posted on the 31st August, i'll keep you all posted... James

When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements. My 1st letter to them got posted on the 31st August, i'll keep you all posted... James