Claim back any unfair bank charges! Article Discussion Area

dchurch24

I would say so - we don't live in a Nazi society yet (not quite anyway).

You can complain and try to get anything back - however, in this case I think you may have a case for claiming Punitive v Liquidated.

Is there a clause in the A&L contract that says if this happens they will charge you the £30?

wackyraces

I've checked the mortgage contract and cannot find any information on charges. I'm going to try and get a refund for it. Thanks.

scottishpasty

Hi
This is my first post so be nice please.
I currently have a joint premier account with my wife at the Alliance and Leicester, I also have a sole premier account with them , a saving account and a childrens savers account.

I get paid into my joint account and then transfer an monthly amount into my sole account, from there I pay regular standing order to my childs account and my savings account.

Last month (Feb 2006) was a huge bills month month for my wife and I which made me overdrawn up to my limit on the sole account. Not for the first time I might add in my 5 years with the A/L.

I get paid on 28th of each month and transfer my money the same day. My direct debits start on the 1st of each month. Normaly this gives me a couple of days for my transaction to go through.

Today I recieved a letter through the post telling me that because I didn't have enough cleared funds on the 1st March 2006 for my transfer of £50 to my savings account and £20 to my child account they were charging me £25 each for a paid transaction.

When I contacted them they said that they had already given me a gracious payment rebaite a year ago for the same problem. I asked them what had happened to my money int the 24 hours between my payment in my accounts and was told that the money needs to be cleared for 24 hours before they can accept it to pay from it. As it takes overnight to clear this was not 24 hours so the funds were not clear.

I have now paid my overdraft off and closed the account as I'm disgusted at the attitude of A/L.

My view is that this is my money being paid as cash into their own bank accounts from their own bank accounts. Where has my money been in the preceding 24 hours to fail to get into my account, which has ended up costing me £50 to save money with them.

Am I mad or wrong in feeling this anger at the A/L. What can I do I've now applied for a sole account with another banking organisation.

Flossie_7

Hi!
Does this also apply to going over your authorised overdraft? For example if I go over my authorised overdraft by 1p my bank charges me £30!

BankFodder

Yes it does

Flossie_7

Thanks BankFodder, I'm getting onto my bank pronto!

Flossie_7

How do I find out how much I have been charged if I don't have all of my old statements to hand?

bookworm1363

Make a Data Protection Act request to your bank. They have to provide you with the info going back as far as 6 yrs, and can charge a maximum of £10 for doing so, so don't let them give you any !!!!!! about £5 a statement or such like.

Make sure you ask for all available transactions and charges, as they'll try to say it took 2 people to intervene manually on your account every time they accepted/refused a transaction, and you therefore want them to show you where it says so on your file (they won't be able to )

Good luck.

ML

dchurch24

Incidently - what's a 'back' charge (topic title)?

oh - ok - slap me round the chops!

smittenkitten

Hi

Do you send the letter to your local branch or the head office place

many thanks

smits
x