Alliance and Leicester charged me £50.09p

[rob123]

I have banked with National Giro (A&L) for more than 30 years and do not recall ever going overdrawn. I exist on a very small disability pension only and do not claim any social security. I manage somehow to keep to my £205 per month budget. Last month an unexpected debit made me go £13 overdrawn on my current account. The A&L levied bank charges of £50 plus 9 pence interest (my total weekly income). As you can imagine I had a very restricted and cold Christmas.

 

I complained to my bank that these charges were excessive and punitve and asked for them to be refunded. Today they refunded £25, but are insiting they will not refund all their charges. Would it be worth writing to the bank asking them to reconsider the matter as I do not think I can afford to make a claim through the courts due to my low income.

Robert

[fivelaws]

Phone them back and insist on repayment, but also open a new bank account.

 

I think the court would waive the charges in your circumstances- talk to the clerk at your local county court.

 

Good luck with whatever you decide.

[nackers]

what meanies!

don't forget that if you pursue this via court then in the end they will want to close the account and you will need a parachute.

[tonyevic]

Rob

 

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk/forum/alliance-leicester/48041-my-wife-l.html#post457694

 

 

If you know how much they have taken in charges send them a preliminary letter from templates library requesting refund.

 

If they dont respond 'positively', follow proceedure, ie: LBA

 

It is unlikely that they will be sympathetic to your situation, responding only to court action.

[rob123]

Many thanks for all your advice I will write to them and see what they have to say.

Rob

[Guest NATTIE]

Rob I understand your sentiment but I think a little word in their ears should sort it out. Welcome to the CAG and Good Luck

[rob123]

Rob

 

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk/forum/alliance-leicester/48041-my-wife-l.html#post457694

 

 

If you know how much they have taken in charges send them a preliminary letter from templates library requesting refund.

 

If they dont respond 'positively', follow proceedure, ie: LBA

 

It is unlikely that they will be sympathetic to your situation, responding only to court action.

 

Thank you Tony for the advice. Today I have written to the A&L using the standard letter requesting my money back. I will keep my fingers crossed they will refund me.

 

Robert

[rob123]

Following my letter to the A&L asking for the charges they levied on my account to be refunded, today they sent me a letter stating they have reconsidered my situation and agreed to refund 25 pence of the remaining £25 charge (originally £50.09p).

On checking my current account I noticed they have refunded me £25 leaving only a 9 pence interest charge for my unforseen overdraught.

 

Many thanks to the CAG and all the people who kindly offered advice and support. I will be making a donatation to the CAG in gratitude.

 

Best wishes and good luck to all who have been ripped off by these banks

 

Robert

[rob123]

Rob

 

forget trying to reason with them (just read the posts to see what compassion they have) IE: http://www.consumeractiongroup.co.uk/forum/alliance-leicester/48041-my-wife-l.html#post457694

 

 

If you know how much they have taken in charges send them a preliminary letter from templates library requesting refund.

 

If they dont respond 'positively', follow proceedure, ie: LBA

 

It is unlikely that they will be sympathetic to your situation, responding only to court action.

Hello,

good luck with your claim against the A&L. I have had my bank charges refunded I hope your wife has hers too.

 

Robert