matthewluck v a&l

[matthewluck1]

hi everyone,

 

I just recieved a letter from A&L today saying they are charging me £25 for a cheque being paid which took me over my overdraft limit.

 

I exceeded my limit by £1.24

 

For this they have charged £25 for paying the cheque and will add another £25 on the 18th (at the end of the 'statement period')

As I am a student and have little money I cannot afford to pay anything until the end of this month, meaning that I will be charged a further £50 after the 18th.

 

TOTAL £100

 

 

Unfortunately when I found this site I had already posted a letter to A&L

The 14 day letter on the bbc site BBC NEWS | Business | How to claim back penalty charges

 

I have paid £1.24 in to my account, after a phone call from the branch to the head office, who refused to refund me and advised me to pay £10 for a claim pack!

 

Any advice or opinions welcome.

 

thanks

matthew

 

[Michael Browne]

Welcome.

 

Unfortunately when I found this site I had already posted a letter to A&L

The 14 day letter on the bbc site BBC NEWS | Business | How to claim back penalty charges

Not a problem, if these are your only charges in the last 6 years or you have your statements send the LBA here;

3. Letter before action - Consumer version - asking for it back

 

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything.. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[matthewluck1]

Thanks for that, read all the above.

 

When I posted the letter today (BBC/prelim, 14days etc), I stated that I was claiming for £100, the total which would be charged by the 18th Feb. This was based on the amount I was told on the phone to a&l.

 

Only £25 has been charged so far, will this letter still be seen as valid? Should I post another one with £25 on it or wait 14 days and then send the LBA letter?

 

Thanks,

matthew

[matthewluck1]

Please can anyone help / answer the above question (post 3)?

 

thanks

[Michael Browne]

When I posted the letter today (BBC/prelim, 14days etc), I stated that I was claiming for £100, the total which would be charged by the 18th Feb

Strictly speaking you can't claim for charges you haven't actually incurred. But you can add them once you've been charged at any time up till you file at court, which is going to be after the 18th anyway.

[matthewluck1]

I am sending the prelim letter tomorrow.

 

Just thinking about the schedule of charges, as I know all my charges mine is rather simple.

 

For my schedule of charges would the following be acceptable in terms of wording and layout, any advice would be greatly appreciated...

 

Schedule of Charges

 

Charges which I am claiming for:

 

03 DEC 2006 £12.50 - Unauthorised overdraft charge (originally £25, £12.50 refunded on 04 DEC 06)

06FEB 2007 £25.00 - Paid Item Charge

TOTAL £37.50

 

I also require that all forthcoming and/or related charges are not applied to my account.

[matthewluck1]

Good news today, just called A&L to check they had recieved my preliminary letter (as Royal Mail didn't get a signature) and was told I have been refunded £37.50 this morning.

 

However, the person I spoke to could not confirm that resultant charges which would have been added later have also been cancelled.

 

I await my confirmation letter in the post, and if further charges are to be added, if they are not cancelled too I will continue my claim.

[matthewluck1]

Just recieved my statement which confirms 2 charges of £25 to be added on the 5th March.

 

I will be sending another preliminary letter on the 5th March to claim the £50.

 

I withdrew the money from my account, the £37.50 they refunded last week, this cant be viewed as acceptance of this offer as full and final acceptance can it?

 

matthew

[younganfree]

If you're worried Matthew, just say thank you for the refund of £37.50 but you now intend continuing with your claim for the outstanding £50 for charges to be levied.

[matthewluck1]

thanks younganfree, I have added "thank you for the refund of £37.50 but I now intend continuing with my claim for the outstanding £50 for charges to be levied." to the bottom of my schedule of charges and posted it today

[matthewluck1]

Today got a letter, full refund of all charges.

 

Thanks must go to all who have helped in this thread and CAG as a whole.

I will be making a donation to the site shortly

 

Matthew

[younganfree]

Well done, Matthew!