This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi all, I recently went through the rigmarole with A&L over an unjustified charge of £34 for exceeding my overdraft (their fault). After using the excellent template letters on this site, they refused to play, and so I hit them with Moneyclaim Online. They returned the documents stating that they would defend all the claim, and then , on Friday, I received a cheque for the amount in full (but they wouldn't admit they had been in the wrong). They also said they would be contacting me because I won't abide by their T's & C's - I assume from this that they are going to close my account. Next question is, how do I go about stopping the Moneyclaim Online process? I've been on their site, but cannot find any way to stop the process - can anyone help please?

Hi again, I received a letter this morning saying that whilst A&L confirm that the charges raised against my account are in accordance with their charging policy, they have agreed, 'on this occaision only, to refund £25.00 to my account' Thanks for the help

Hi again, Where it says 'particulars of claim' do I just copy the text from the letter to A&L? I've read the FAQ's several times and it makes no sense to me at all! TIA

That WAS the reply to the LBA. I'm off to fill in the claim form then

Hi all, Due to starting a new job, I've rather let this slide, but here we go! I received a reply from Carol Mealor to my before action letter stating: 'Having noted your comments, I must advise that our charges are clearly shown within aour literature, they reflect the market and are in line with our competitors. We make no secret of our charges which are detailed on the reverse of your statement, on our website and are also contained within the Terms & Conditions of your account. Whilst I appreciate your dissatisfaction regardinmg this issue, I regret to tell you that I am unable to make any adjustments to your account. I hope we will now be able to draw this matter to a close and if I do not hear from you within the next 8 weeks, will assume this is the case. However in accordance with regulatory requirements, I am enclosing our leaflet which explains the steps you would need to take if you should wish to pursue this matter further, including the ultimate availability of the Financial Ombudsman Service. I trust our service will meet your requirements in the future. However should you need further assistance please do not hesitate to contact me. I now intend to claim against them, what is the best way forward? TIA

Hi all, I'm rather annoyed with A&L at the moment due to charges they made against me recently. They levied a charge on my account for paying a DD from my account that (according to them) took me over my OD limit. My gripe is that on the same day £700 cleared into the same account. I rang the customer services to ask for a refund , and was told to 'look at you t's & c's) and that the charge would not be refunded. I then wrote a letter (using the library templates) and was told the same - no chance! The biggest gripe I have is their appalling attitude, and even though it is a comparitively small amount (£25) I would like to pursue this. Is it worth a small claim? TIA