Alliance & Leicester (merged)

wdj40 · 22 February 2007 at 2:42PM

brownowl wrote:

I sent mine to customer services as I do not have a local branch. I would sent them to the branch you bank with if possible.

What is the e-mail address to send to A&L I cant find one anywhere!!!
Please!!

Fill_7 · 22 February 2007 at 2:59PM

wdj40 wrote:

I have instructed Moneyclaim to act on my behalf... A & L have aknowledged it and intend to defend the whole claim!!
Has anyone else had this from A & L...
What exactly happens if this goes to court etc??
Has it gone that far for anyone else??

hi mate,

mine too has been 'acknowledged' since 1st feb, and the acknowledgement receipt i got through post said they intended to defend. i think this is pretty standard stuff, as doing this gives them 28 days before they have to act. by the end of the 28 dyas they'll have either paid up or u'll be off to court. thats if they dont settle before court date!

dont worry, either way.

cleggy56 · 22 February 2007 at 3:36PM

Had letter from A/L to say they are closing my account on the 23rd March because I claimed £290 back. I did open another account in case of this so they can be as petty as they like. I would not mind paying charges if they put a fair charge on but £50 for being overdrawn for 5 days is outrageous

karenellen · 22 February 2007 at 6:51PM

Hi all,

Thanks to this site I am in the process of reclaiming my bank charges from A&L. I am as far as the court process and would like help please. The bank has just this morning sent me a covering letter along with a Acknowledgement of Service form to say that they have filed at Northampton Conty Court.

Firstly, is this court usual, it's an awful long way from where I live.

Secondly, is this the usual process, I mean, is it normal to get this letter of Acknowledgement.

Thirdly, I did pay the £30 for it to be handled, will I actually have to go to court.

I am very worried that they will actually make me go to court. Has anybody actually been taken as far as the court.

Any advice would be most helpful.

Thank you all very much.

gillette147 · 22 February 2007 at 7:19PM

I've read elsewhere what s0ds A+L are - they probably picked one that was awkward for you.

I went overdrawn by £100 for 2 days.
£25 charge. They offered me half back which I took for a quiet life.
Next month another £25 charge.

Apparently it was £25 for paying the bill that put me over....AND £25 BECAUSE I went over!!!

They've offered me half of this.

I think their idea is that they impose twice as many charges but give you half back each time.

I want to fight it this time but as I said, they are one of the most stubborn ones.

Edinburghlass_2 · 22 February 2007 at 7:28PM

karenellen wrote:

Hi all,

Thanks to this site I am in the process of reclaiming my bank charges from A&L. I am as far as the court process and would like help please. The bank has just this morning sent me a covering letter along with a Acknowledgement of Service form to say that they have filed at Northampton Conty Court.

This is the court nearest to MoneyClaim it will be moved to your local court if necessary.

Firstly, is this court usual, it's an awful long way from where I live.

Secondly, is this the usual process, I mean, is it normal to get this letter of Acknowledgement.

Thirdly, I did pay the £30 for it to be handled, will I actually have to go to court.

I am very worried that they will actually make me go to court. Has anybody actually been taken as far as the court.

Any advice would be most helpful.

Thank you all very much.

You'll be send an Allocation Questionnaire to fill in and you can find the thread regarding this form here and a guide to it in the Reclaim Help Thread which is linked in my signature.

Have a read through this A&L thread for other user's experiences.

brownowl_2 · 23 February 2007 at 12:39PM

You can contact A&L by email, in the help section of the online banking.

kb09465 · 24 February 2007 at 10:19AM

Im Claiming £5000 From A & L At The Stage Of Small Claims Court. Just Recieved From A&l An Acknowledgement Of Service Letter Giving Them Another 28 Days,has Anyone Else Got To This Stage And What Do I Expect To To Do

realbeard · 26 February 2007 at 12:43PM

Hi there,

I have just won £300 back from Alliance and Leicester after threatening court action. I have received a letter with the cheque that ends with "it is clear you don't accept the terms and conditions so we will shortly be contacting you to discuss it's future"

However, I have a £1000 overdraft but £6000 in a savings account (only from a 0% credit card offer that closes soon). I have said I will close this account too, but they don't seem to care.

2 questions really:
1) if I take my £6,000 away and they close my account with £1000 overdraft, how do they expect me to pay it?
2) what if I say I'll send them my £300 cheque back and threaten taking them to court anyway, as a bit of a threat to stop them closing my account?

Does anybody have any views on this and if so, what do you recommend I do?

Thanks!!

nickmack · 26 February 2007 at 12:53PM

realbeard wrote:

I have just won £300 back from Alliance and Leicester after threatening court action. I have received a letter with the cheque that ends with "it is clear you don't accept the terms and conditions so we will shortly be contacting you to discuss it's future"

2 questions really:
1) if I take my £6,000 away and they close my account with £1000 overdraft, how do they expect me to pay it?

They will give you say 30 days to settle the account.

2) what if I say I'll send them my £300 cheque back and threaten taking them to court anyway, as a bit of a threat to stop them closing my account?

I don't recommend this. You cannot follow through with your threat if they have paid your claim in full.

Does anybody have any views on this and if so, what do you recommend I do?

OK, you're unlikely to get them to change their mind. When you reclaim charges, it's a risk the bank will close your account.

However, when you speak to A&L, I would remind them that a complaint was recently upheld against them for closing an account as retaliation.

The Financial Ombudsman stated the following:

"He should not be prevented from bringing a legitimate complaint by the threat of having his account closed; nor do I consider it fair or reasonable of Alliance & Leicester to respond to his complaint about charges by closing the account. Alliance & Leicester appears to me to have used the closure of the account as a retaliatory or punitive measure".

You can then tell them, you will be utilising their complaints procedure and if necessary taking it to the Financial Ombudsman.

Alliance & Leicester (merged)

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