NinjaWiz vs Alliance & Leciester

[NinjaWiz]

Need to find out how much i can claim back first before i do/send anything? (is this correct)

 

but where do i send the letter to?.. My local branch or head office? anyone got the head office address

 

also who do i address it for the attention off?

 

Sorry for the simple question, ive read all the FAQ's etc but couldnt find it

 

Thanks

[Spiceskull]

Hi,

 

It really does take a few days to get your head around all the arguments and all the information.

 

You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you). This has been discussed in many threads, but the general consensus is that you start with your local branch, recorded delivery and include the £10 fee.

 

Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.

 

Good luck.

 

You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.

[NinjaWiz]

Hey all

 

Great forum here!

 

have sent my Data Request letter off today to the Customer Services Centre in Bootle & included a Postal Order for £10

 

Will wait to hear from them now gonna be a long 40 days

 

Just 1 question, when i get all the statements back and calculate what im owed which letter do I send as there are 2 in the Libary

 

Letter before action - Consumer version -asking for it back

or

Letter - Preliminary approach for repayment.

 

Thanks for all the help here

 

Ninja

[DCG]

Letter - Preliminary approach for repayment.

[NinjaWiz]

Hmm just realised i didnt send my Postal Order and DPA Request by Recorded Delivery bugger! so dont know if they got it or not, suppose they could just deny knowledge of receiving it

 

Other people that have had all there statements back, how long have you had to wait for them to aknowlege reciept of your DPA Request? As if they send me a letter saying they are looking into it etc then I know they have got it,

 

Otherwise i will have to send another one with another £10, recorded delivery, just wanna know how long i should wait before sending another lot if i havnt heard back from them

 

Ninja

[pagibson]

Hello, i received my DPA info in about 3 weeks, but i did send via Royal Mail Special Delivery.

Might be worth a phone call to whom you sent your DPA to see if they have received, if not and most likely not, resend with £10 admin(reclaimable) via royal mail SD.

Regards PA G

[caro]

If you have the postal order stubs I think it tells you how to check if they have been cashed/banked.

[NeilP]

Welcome to the Forum Ninjawiz,

 

Keep us posted on this thread as each stage develops, it helps everyone see how your case is developing, and will also help other people who start their claim after you.

 

Best of Luck with your case.

[NinjaWiz]

Does anyone know the number of the Customer Services Centre in Bootle? Thats where i send my DPA Request and i want to know if they recieved it.

 

EDIT: Cancel that, just run the normal customer services number (08459 262626) and asked if they could comfirm the receipt of the letter (i explained it was for a copy of my statements and was available under the DPA and i had enclosed £10 Postal order wih it), the lady said she couldnt see anything on the account, put me on hold for quite a few minutes and said they still didnt seem to of received the letter but they can do it for me anyway and take the £10 out of my account (im made sure it was only £10 and not £5 per statement that they usually do!) I asked for them to comfirm that in writing to me (that they would be taking £10 and sending me statements for the last 6 years) and she said that is fine she will get it out as soon as possible,

 

She did apolagise about putting me on hold for so long and Explained that she thought it was a new service they were doing and so she didnt really realise about it.

 

Well i await the letter comfirming that they will be sending me the statements, only cost me another £10 so not bad, should of sent the letter recorded in the first place!

Regards

 

NinjaWiz

[MARTIN3030]

BITC - Alliance and Leicester and BNENC

Leicester Bridle Road Bootle Liverpool GR1 0AA Tel: 0151 966 4304 Deborah Woods, main Cares contact Alliance and Leicester Bridle Road Bootle...

 

hope this helps

 

[KenParton]

Alliance & Leicester Head Office Switchboard 0116 200444 or01162011000

ask for dept. required

 

General enquiries

01132541566 Fax 01132856098

 

Use 141 to block caller I.D.

Hope this helps

 

ken parton

[NinjaWiz]

Well Today i Received a DPA form From Alliance & Leicester!

 

Looks like their own version of the one in the libary, So i am filling it out with all my details, and returning it to them with another £10! so hopefully they will provide details from this one,

 

And i will send it recorded delivery!!

 

Another 40 Days to wait!

 

NinjaWiz

[NinjaWiz]

Hey all

 

I now have all my statments! totaled up all the charges to a nice £2178

 

So now do i put them all into the spreadsheet in the library or just make my own one up with dates and the charge etc.?

 

Then send that along with the Letter-Premiary Approach for replayment letter? it says in that letter about the overdraft interest? do i want to be adding all that up in this stage? im not too worried about the overdraft interest (as im not sure what it is!) £2178 will do, lol

 

Any help would be apreciated

 

Regards

 

Ninja

[kprime]

how many pages long were the forms you had to fill in from a+l i called them yesterday they said they will send me a pack out and debit my account with the £10 so i dnt know whether to wait for that or get my own dpa sent recorded

[caro]

It's not a long form, and even if you send a DPA letter, they still seem to send the form, so I would just give it a couple of days to arrive and save yourself the effort.

[NinjaWiz]

I got my Data back within 3 weeks

 

Right i am just setting up the spreadsheet with all my charges,

 

can someone just comfirm that i can claim for all of these charges..

 

Failed Direct Debit

Paid Item Charge (sometimes they pay a DD for me but then charge me £25)

Unauthorised Overdraft Charge (bout £25 per day!)

Monthly Overdraft charge (awalys £5 but then usually followed on by an Unauthorised Overdraft Charge))

 

Thanks

 

NinjaWiz

[caro]

Not 100% sure about the monthly overdraft charge. Is this a genuine service charge? The rest are ok including the unauthorised overdraft charge.

[NinjaWiz]

Thats what i was thinking, but it seems they changed it round a few years ago..

 

at the start of my 6 years (up until about 2004) i just had one type of Charge

"Monthly Overdraft Charge - £25"

 

but then after 2004 I have these charges...

"Monthly Over Draft Charge - £5"

and then...

Unauthorised Overdraft - Day 2 £25

Unauthorised Overdraft - Day 5 £25

 

So just put them all in and call them all overdraft charges on my schedule of charges i am sending to them with my letter asking for it back?

 

as if i dont inlcude the £5 ones then i may not be able to include all the £25 overdraft charges prior to 2004 as they are all called the same thing? (there is only about £100 worth of £5 charges so im not fussed if i dont include those ones)

 

Your thoughts?

 

Thanks again

[NinjaWiz]

Right after doing a bit of searching on the forum i find that i cannot Claim the £5 charges back for monthly overdraft charge, but i can claim the Unauthorised overdraft charges of £25

 

but my question is that before 2004 I didnt get any "Authorised Overdraft Charges of £25)

 

they were all called "Monthly Overdraft charge" but charged at £25

 

Can i claim these back? surely they wernt charging me £25 a month to have an overdraft, seems expensive.

 

As almost half of my total is made up of these "Monthly Overdraft charges" of £25 (before 2004) - i didnt get them every month

 

Thanks

 

Ninja

[caro]

If it wasn't every month, then it sound like it was a penalty. Do they occur either in the month, or month after you went over your OD limit. If they do then claim them.

[NinjaWiz]

Hmm looking back it looks like it was nearly every month (but i prob went over my overdraft every month! lol)

 

They all total up to about £600 so im not sure what to do

 

It looks to me as if it was just a charge for using my overdraft (i was unaware there was a £25 charge if i used my OD in a month!) and then in 2004 they put it down to £5 and intruduced the Unauthorised charges of £25 per every couple of days of being over my overdraft.

 

So doesnt look like i can claim them all,

 

Still £1700 is better than nothing, lol

[caro]

How about phoning them up and asking what it was for? Don't get into a discussion about whether it was lawful or not, just say you aren't clear what it covers.

[NinjaWiz]

Decided not to claim for the "Monthly Overdraft Charges" as it looks like they are proper charges (although used to be £25 a month which is very high!!)

 

And sent my Preliminary Approach for Repayment Yesterday (26th June) for £1600

 

I shall now wait 14 days before sending the LBA

 

Regards

 

Ninja

[lesleyN]

Hi There, I've just looked on the back of my statements for my A&L current account and up until 1.12.02 they didn't charge anything for using an authorised overdraft but from the 2.12.02 they started charging £5.00 for using your authorised overdraft (service charge) and £25.00 for going over the authorised overdraft so it seems to me that this is a penalty not a service charge so you are therefore entitled to ask for it back. Hope this helps, Lesley

[MARTIN3030]

I think you will find the 5.00 is considered unclaimable.

Its the 25.00 thats a penalty !