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URGENT! All A&L account holders please read....

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Hi -

i'm sending you 2006 T&C , I've scanned them not sure how well they will turn out- if you want a p'copy let me know and I can send it.

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Hi -

i'm sending you 2006 T&C , I've scanned them not sure how well they will turn out- if you want a p'copy let me know and I can send it.

Many thanks JK. :)

 

Keep 'em coming you lot!:-D


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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sorry to keep asking but does anyone have t&c for a business account please as I going to file n1 next week so would like to get everything I need as early as possible for the peace of mind.

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Hello Everybody,

I am very very disappointed with the way I have been Treated by A&L. My Partner and myself, have been their clients for only 6 months, and they have peeled off us 300£ in unfair charges already. We have stopped using our account, and they still find a way to charge us for one thing or the other. I am always on tears when I have to deal with them, as their customer services advisor even told me on the phone that they don't need us as customers and that if we're unhappy we're free to leave. I find that totally unacceptable. I do not know how to use this forum. I intend to get all my money back before I leave. Please help.

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Hello Everybody,

I am very very disappointed with the way I have been Treated by A&L. My Partner and myself, have been their clients for only 6 months, and they have peeled off us 300£ in unfair charges already. We have stopped using our account, and they still find a way to charge us for one thing or the other. I am always on tears when I have to deal with them, as their customer services advisor even told me on the phone that they don't need us as customers and that if we're unhappy we're free to leave. I find that totally unacceptable. I do not know how to use this forum. I intend to get all my money back before I leave. Please help.

 

 

 

Hello,

 

 

First of all can I suggest you read all the frequently asked questions. (FAQ's) here: http://www.consumeractiongroup.co.uk/forum/faq.php

 

Then have a read of some of the threads in the A&L forum. Read as many as you can. This will give you a good idea of what A&L are like to deal with. You will also meet many people that are in a similar situation to you. Don't be afraid to ask questions on some of the threads. Eventually you will be able to start your own thread where you should post as much information as possible about your own case. You will then no doubt receive a lot of help and support!

 

Another places to have a read is: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/

 

So basically have a really good look around some of the forums, there are many thousands of posts so it may seem a daunting task. My advice is to just take your time and don't forget, if in any doubt then ask a question!

 

One last thing, this is one of the biggest pieces of advice given, from now on do not speak to your bank, or any third party company connected to your bank, on the telephone! All communication from now on should be in writing. This way you will have a complete record of what was said to who and when it was said.

 

There are letter templates to help you in the library here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Or just ask for help in writing a letter.

 

I hope this is of some help. It should at least get you started.

 

 

Best wishes, Jeff.

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I have current account T&C's dated 02/07 all 14 pages when scanned let me know if you want these and I will get to work for you.

 

cm

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Do you need T&C's for new accounts from now on?


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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Hi, new member just joined. Are you still in need of these T&C's? I don't know what I have, if any, but are they dated so I know what I'm sending, if and when I can?

 

Mike

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I've just sent on a letter I got last week. I'm not in litigation with them but they seem to be dealing with me as if I am or am about to be. Their letter stated that they will deal with my "complaint" after the current "test case" which might take a year. They say that if I submit a claim they will apply to the court for a stay of hearing until the current test case is heard.

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Hi There,

it's nice to know we are not alone...

In November I decided to stop using this bank but not closing the account, and forgot I had a DD set up with google, so when the payement came out £4.80 A.L charge me £10. I paid straight away and too quickly as I made the payment( HSBC use a pre-select name of payee) to the credit card instead of debit card. So nothing has been notified to me until the last statement from A.L asking me to pay now £65 fee for the £4.8 O.D.

Should I pay or just send them a polite letter?

thanks for your advise.

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We got into a vicious cycle and ended up paying a fortune for going overdrawn a minuscule amount. My experience is that politeness is wasted on these critters. You have to pay and then you can argue the toss to get it back. If you don't pay the debt just goes up and up and you'll get a bad credit rating. It took me three months to close the account because more charges were due to go on each month. Due to an asshole in the call centre I ended up paying too much into a "pending closure" account just to get out of the vicious cycle. They ended up sending me money. Ask them how much they want to get the account closed, be insistent (but polite or they put the phone down on you). Get the names of who you speak to and possibly their supervisor too. N.B. it becomes really difficult to pay money into a "pending closure" account - just a little gag that A&L like to play. When you're finally free on them write and demand your money back on the grounds that these are unreasonable penalty charges. They'll write back and say "get in line" - they'll say that they will deal with your complaint once the "test case" is decided on. They'll say that if you start proceedings they will seek a stay based on this.

 

This is just my personal opinion based on personal (bitter) experience. I sucessfully won charges back from Barclays and still bank with them. My experience of A&L is that they are not a bank and they don't have bank managers. They have shop assistants on their high st branches who are powerless to assist. Even they have to call the call centre which is 95% populated with arragant assholes

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A&L aren't part of the test case as you say - so play them back at their own game and file a complaint with FOS - it'll cost A&L for the privilage of their being investigated :D

 

All you do is the pre lim & LBA letters and ask them for charges back - if you've already written requesting a refund and had their answer "no" I wouldn't bother with writing again - just file the complaint form shown here

FAQs - making a complaint

 

along with the reply letter and let FOS deal with them and you'll get your refund and interest on it (just use spread sheet in here to work it out) - it'll take a while to get refund cause they are so busy etc.. (but the court route is also taking time) there is less room for these companies to mess around once ombudsman gets to deal with complaint and there is not any threats of costs etc.. as in the court route.


My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi all i have asked for my bank charges from alliance and leicester 3-4 weeks ago, they sent me a expendature form to fill in, i filled in the form waited a week, had more charges on the account, rang them up said i wanted the charges refunded as we are in hardship and asked if they have received my letter and they said its just being sorted, well a few days later i had another letter saying they did not receive it as i forgot to send it recorded, so i printed another copy of the letter off with bills ect we have to pay and that my husband is on benefits. I have now recevied a letter this morning saying that they have refunded me £50.00 as a goodwill gesture but they owe me a lot more than this. also says that we have reviewed the circumstances in which these fees were charged and confirm they are in line with our fee stucture. if i go over then they will carry on charging me these fees.

this is a joke i have now emailed the ombudsman to get these fee refuned back to me.

Is there any other letter i could send them. the last letter i sent them was i was in hardship and i want a refund for the charges.

WHAT CAN I DO FROM HERE.

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Hi Heidi1974

 

There is a letter entitled RIGHT OF APPROPRIATION may be in the library on CAG.

 

There is a process called the "Right of Appropriation" - this allows you to assign funds entering your account to specific events and needs. This is for ANY funds, not just benefits...

 

Some banks do not understand this process since it is not very often used. You might need to explain it when handing in the letter.

 

Also, whilst we can try this, there are 2 possible problems;

 

1) Ideally, you should give the bank 7 days notice. If they are aware, they could disregard the request.

 

2) They may just disregard it anyway and swallow up the money. You would then have to complain and involve the banking Ombudsman etc and, eventually, get it resolved. This could take a few weeks and would not solve the immediate problem.

 

Just have a look for it and change to suit your circumstances. There are Acts that cover social security payments. Social Security Administration Act 1992


Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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I jave unearthed my welcome pack from 2004 with t & c at the back. Let me know if you need this and I'll scan and send it in.

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