very small claim

[sanderseagle]

Hi i have just had a charge for £34 for a failed cheque and wonder if its worth sending out a prlim letter or maybe an email to get it back? if so what could i word in an email?

[grog28]

Just try ringing them first, often if you lay it on thick and it is the first charge they will refund it.

[ampersand]

Just try ringing them first, often if you lay it on thick and it is the first charge they will refund it.

 

 

They are more likely to try and get away with giving you just half back. INSIST ON THE FULL AMOUNT - courteously of course -with a careful mention of 'a Consumer Action Group which is helping me.'

[sanderseagle]

thanks guys,

i did phone,but i completly fumbled and stuttered

i did ask for a refund but she kept quoting terms and conditions,even though i said that it doesnt cost them that much to reject a cheque, i just wasnt forceful enough.

[tonyevic]

Hi

Dont be put off by the A&L or the fact its only £34.

 

I found the A&L very obstructive and all pleas of common sense and deceny fell on deaf ears.

They were not interested and would only quote 'terms and conditons'.

When I threatened to take this further (they flagged this on the account) they insisted I listened to their terms and conditions and that their charges were fair and competitive.

 

They finally agreed to refund one charge only of the four (£100 in total which stemmed from being £16 OD)

 

DONT WASTE YOUR TIME PHONING THEM ANYMORE

(I have instigated court action against them for £75+costs+interest)

 

You will need to open another account because its a good chance that if you pursue the forrmal route they will close your account

 

Send a preliminary letter requesting payment IN FULL from the templates library

 

Follow the guides in the CAG

[sanderseagle]

thanks for the reply,trouble is, this is a new account i set up as a parachute because i've successfully claimed against the Abbey,so i dont want to move banks again. 'spose they've won?

[Guest ian cognito]

A&L will close your account if you claim against them, no matter how small the amount.

[tonyevic]

Hi

 

my advice is no matter how painful it is to move banks again..DO IT..

 

My experience of A&L cannot be described in words here, I have nothing but contempt for them.

See thread

My wife v A&L

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/48041-my-wife-l.html?highlight=tonyevic

 

Regards

 

Tony