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Clan Jessica v Alliance and Leicester


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Hi I am about to send of the SAR to the vultures at the A&L who are on the brink of closing my account after I paid off a £1,000 overdraft almost exclusively caused by charges (and maternity leave pay but that's another matter).


I am just about to get £2k from the Halifax, it has been relatively easy, although they went to the wire - the offer came in the day before I was due to file at court.


So I would be interested to know what the A&L are like, do they go the whole 40 days and string it all out, or are they a bit more flexible?




Catherine 8-)

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From what you say about Halifax A&L are similar.

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We haven't got the money, so we've got to think!

Ernest Rutherford


A & L

Data Protection Act Letter sent 11/08/06

Data rec'd 14/09/06, Prelim letter sent 16/09/06

LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.

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  • 1 month later...

On day 39 the statements arrived - now I have a question. Can I count the £5-£25 items called 'overdraft payment' as well as the ones marked 'unauthorised overdraft payment'? That's something the halifax doesn't have.



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you can claim the £25 unauthorised overdraft charge, but if the £5 is a monthly "fee" for overdraft facility then you can't claim that one back


you can claim


unpaid cheque charge

unpaid dd charge

paid item charge

unauthorised overdraft charge



hope it helps



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