Hello newbie here

[ragingbull68]

Hi everyone just wanted to say hello and hopefully you can offer me some advise on claiming back bank charges.

I have written one letter to which i had reply in post this morning, and basically got told by Alliance & Leicester that the OFT were actually refering to late payment fees for credit card payments,ahich are quite distinct from a bank's fees on current accounts.

I have a current account with them (no agreed overdraft ) and my only income is from benefits, and i regulary get hit with account charges for refused direct debit payments £34 , failed cheque charge £34and unauthorised overdraft charges £25.

Where do i stand am i entitled to claim these charges back (even if my fault for not enough funds in account at time) and where do i go from here?

Look forward to your replies, many thanks for reading this

Joanne (feeling )

[Michael Browne]

Ignore what A&L say in their letter. Send the LBA 14 days after your preliminary letter, See here:

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

 

Make sure you have read these 2 threads:

 

STEP-BY-STEP INSTRUCTIONS

Example Step-By-Step Instructions

Guide to Reclaiming Bank Charges

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

[ragingbull68]

Thankyou for your help i have now been through all statements and have written them up on pc so i have copies. Also i have done the following letter. Just like your feedback before i go post it. Is this ok?

I am very disappointed that you have failed to respond to my letter of the 16th April 2007.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £1,438.00 since 21st July 2006 which has caused me to go continually further overdrawn on these occasions, leading to you adding further excessive charges. I cannot see how it costs you £34 for a failed direct debit and failed cheque or £25 in unauthorised overdraft charges.

I am enclosing a list of all charges and dates I wish to claim money back for.

 

 

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest without further notice.

Will this how i worded it be acceptable?

look forward to your reply

many thanks

Joanne