Jump to content


shorty_377

Alliance and Leicester

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4014 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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???? :-x

Share this post


Link to post
Share on other sites
Guest madcap magician

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 LBA.

Share this post


Link to post
Share on other sites

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 sand 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!!! :mad:

 

Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgage 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

Share this post


Link to post
Share on other sites

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 sand 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!!! :mad:

 

Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgage 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

Share this post


Link to post
Share on other sites

Bump


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

Share this post


Link to post
Share on other sites

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.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...