Help

beve123

hi everyone, this is my first post so you'll have to excuse me if i rabbit on. firstly I opened an account online with A and L, as i had recently married and we wanted a joint account, so of i went and opened it. We didn't really use it that much in all I'd say about 10

transactions

over a year, and the only way we could excess it was on line, but the id number and pin wouldn't work so i didn't bother, I know the last time i checked

there

were £4.70 in, but I didn't know that you had to pay at least £500 a month or they charged £5. So I was overdrawn 30p, now I have £180 charges for this 30p, which i feel i shouldn't have to pay as i was

miss

sold the account to start with. i have spoke to them and

received

a letter this morning saying that they won't cancel the charges as they think they are fair, what should i do.
thanks in advance xx:eek:

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting%20post%20http://forums.moneysavingexpert.com/showpost.html?p=18605665"][/EMAIL]

RAS

You need to go to the reclaim section on here. This is the standard initial response as it is the basis for the bank's legal case.

lilian1977

Why do you think you were missold the account in the first place?

beve123

When I applied for the account there were no mention of a min amount of money that had to go in

lilian1977

I hope you don't think I'm being rude but it's incredibly likely that there was. Both the Alliance and Leicester current accounts on their front page at the moment say that, not just as part of their T&C but on the main front page info.

I imagine you'll need to dig out your T&C from when you signed up and go through it with a fine tooth comb. If you can prove that the form you signed to open the account didn't say this then you have a case. If not then you're going to be relying on the unfair bank charges ruling I would think.