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LBA is in the post SELLICK V A&L


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Hi My Name is Nigel, I wonder if anyone can help me i have sent the first letter to my bank A&L as i went over mt agreed Overdraft by £6.02p and because of DD's not being met they charged me £25.00 x 2 & £34.00 X 10 & £25.00 x 2 totalling £440.00 of charges in the month of july alone. so from being £806.02 o/d im now over £1200.00 . Now i wasnt aware i can claim charges for the past 6 Years should i send letter 1 again asking for this and what about my A& L Credit card they charge me £25 For Missed payment And £25.00 for going over my limit do i send MBNA the same letter Greatfuill for any advice

 

Nigel:mad:

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Hiya, have a read of the FAQ's and it will tell you what you need to do, which letters to send in which order to get these charges back...yes it is the same for your Credit Card. Be aware however that A&L are closing accounts for those who get their charges refunded.

Good luck :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

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The best thing to do is to open a parachute account and get all your money matters dealt with by that bank so if they do suddenly close it your bills will be sorted.

Sorry Nigel, just noticed they have already closed your account. Thats not very nice of them after taking all your money is it.

Good luck

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

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Thats right, they have 40 days in which to send the data, take this time to have a good read around this forum, its really helpfull.

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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thank you

im very upset whilst typing this as i really am in the mire over this as my services are now being cut off my phones are now all on incoming calls only and im waiting for this to go now as ntl arent gonna wait for ever, can you tell me if i need to send a letter also saying i would like my charges back?

and do i send the same letter to MBNA ??? so in total this letter asking for details twice and refuund letter twice?

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Just had argument with man of phone from MBNA told me i was wasting my time as i signed up for the tarrif of charges is he right? i only asked for their address and he asked why i wanted it so i told him and he was right naff!:eek: how rude!

 

can someone please tell me who i make the Cheques payable to for data protection letter to A&L AND MBNA?

 

 

many thanks:p

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i have now sent my letter and £10.00 to the A&L & MBNA requesting 6 years reports on my charges. I have an agreed overdraft of £800.00 now of late im being hit by the tax man for a years back tax which has meant my wages have been halved going in to my account, to cut along story short i have had to default on some of my direct bebits infact all last month as i have got into a pickle. in jusly alone my bank charged me £25.00 unauth overdraft fee 18th may to 16th june day 2 and £25.00 unauth fee day 5 10 X £34.00 failed direct debit charges and then interest of 5.65 18th may 16th june then 5.58 interest for 17th june to 12 july then £25.00 unauth overdraft fee 17th june 12th july day2 and then a further £25.00 unauth overdraft day 5 totalling £451.23 in one month what is this figure likely to be in 6 years? MBNA tell me that since this oft report they have started charging 12.00 instead of 25.00 but tell me i have no right to have this refund back dated is this correct?

 

 

any help would be helpfull:eek:

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OMG, I thought that my partner and me ad it bad one month, but £451.23 in just one month of charges - Its no wonder we get in strife, How do banks expect us to pay back such sums??????

 

MBNA are stalling you, Follow the Guidelines and reclaim your money, Start a new message for MBNA in the relevent section, that way you will get replys for MBNA.

 

You have EVERY Right to reclaim this money

 

Allaince & Leicester, They have just paid up, It took most of the stages, just short of actual Court.

 

Just hang in there, follow the stages of each action and sit back and wait

  • Confused 1

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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ok so thanks for that answer in english cause im not the brightist person on here but im failing financially fast. all my direct debiters are no cutting me off so penalties ar being charged against me too.

 

so sorry just to clarify if they say did this to me over 6 years usually 50.00 a month and one or two direct debit defaults of 34.00 can i claim this back for the six years????

 

they closed my account and never told me one of my direct debits contacted me to say the account was closed

 

because that somewhere in the region of 80.00 a month for 6 years = a fair few pounds do you think they will want me to open a new account with them to bank my money lol?

 

 

thanks for your help i know its late

 

nigel;:eek: :eek: :eek:

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You can claim upto 6 yrs, at this stage in your process, I believe that some may be claiming past the 6 yrs, but for now, until you have sorted these 2 out, just leave it for the Last 6 years.

 

Once that fight is over, then you will have ammo to fight and will be in a better understanding of what processes are involved.

 

Read on site, about other cases such as yours, and you will learn how and what to say, But just communicate by Letter only, that way, they cannot try and change your mind

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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I received a letter today from A & L saying I Quote

 

The OFT that they consider the level of late payments charges to be unfair, however they were actually refrring to Late payments on credit cards which are quite distinct from a banks charges on a current account.

 

as yet the OFT have not entered in to any discussions with the banking industry regarding current accounts however should that position change in the future then A & L will participate as appropriate.

 

Given the above i cannot accept you have been unfairly charged as you suggest i regret therefore that i am unable to agree to your request for a refund of charges on this occasion.

 

im sorry if you are disappointed with my response but as the charges have been raised correctly in line with the terms and conditions of your account they must stand.

 

yours sincerely

 

p russell

customer service centre

 

is this correct, can anyone advise????

 

 

nigel:cool:

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yep that looks like the standard bog off response they send out. Ive just had exactly the same letter. Stick to your timetable, like me and send the LBA on the fifteenth day. Good luck.

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  • 1 month later...

I just looked through my subject access request and when im totalling up the charges from 2000 - 2006 my total of charges are £2913.75p this does not include any interest that they have charged me. Am i to include the interest charges from them? and if i got this right i now send second latter asking them for a full refund of this amount???

 

Please someone advise

 

nigel:-o

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I heard last night on the news that the OFT were going to look in to bank charges they said i quote " We believe that banks are entitled to regain there losses and charge for people going overdrawn but they shouldnt profit from it" If this is the case the oft havent made ant ruling yet only to credit card companies how come they have been saying on this site that they have made this rule? and ive now been in a process for 2 months or more how can any of you have won when no such ruling has been made???????:-|

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I have just recieved full payment from Alliance & Leicester. Basically to go to court and win they would need to prove that the money they are charging is a legal administrative charge as this is what they state in their contract. They can't prove this as it only costs them about £2.50 to 'administrate' when you go overdrawn or they fail a DD for you etc. It is therfore an illegal penalty charge and they are making a profit from it. Hope this helps...

Sazzle v A&L!!!

Request for repayment sent to A&L for £463 - 14/07

Standard reply received - 18/07

Letter before action sent - 21/07

Received my small claims pack so here we go - 17/08

Claim agianst A&L started - 21/08/06

Response received saying they will defend - 30/08/06

SETTLED IN FULL £548.48 - 06/09/06 :D

 

Sazzle v Halifax!!!

Request for statements sent to Halifax with £10 cheque - 14/07

Letter received requesting more info - 05/08

Letter sent with info required - 09/08

Letter received saying statements on way - 11/08

Big pile of statements arrived - 17/08

Request for repayment sent to Halifax for £442 - 17/08

Letter received saying they will reply within 4 weeks - 21/08/06

Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)

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Yes thats what ive been thinking all along, i have a claim in now for £2931.75 hope i win too as i live hand to mouth monthly and dont see why they should have my money... did you actually get to court????

 

Hi, Nigel.

If you have a good read around the forum you will see that a court appearance, (while not totally out of the question), is unlikely.

If you are proceeding with your claim by the tried and tested route as laid down in the faqs, and as described in many of the threads here, you should be fine.

Any problems, just post here and someone will jump in with advice or reassurance.

Just be aware that A&L WILL close your account for having the nerve to claim back what is rightfully yours, so open your parachute account if you haven't done so already.

Luck, dude. :cool:

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Have had the standared reply from A&L saying they think that there charges are lawfull and justified, now time to send LBA i think but just so i get it right they did reply to my refund letter (letter2) so the LBA letter says you didnt reply is this the correct letter ?

:eek: :eek: :eek:

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Hi. Lol i know someone with the surname as Sellick who is also on this site. Not related i don't think from Somerset.

 

I would edit the letter accordingly. Hope this helps. Good Luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I have merged your threads to make it easier for us all to follow your progress.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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