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Alliance and Leictester Charges
daveoz85
Posts: 2 Newbie
Hello
I had an account with the A&L which I closed 2 years ago. Since then I've received a lot of mail from them but never looked at any of it because I assumed it was junk. Last week however I opened one of the letters to shred it and found that it was demanding that I pay them £169 in charges for my account being underfunded. I understand that the initial charge sent me into unarranged overdraft and since then the charges have racked up. I've spoken to them on the phone but they'll not budge saying there is no record on their system that I closed the account therefor I obviously didn't because their system cannot be wrong, it's perfect.
I fully accept that it's my fault it's gone on so long but it has been their mistake initially that has caused this.
Does anyone know of anything I can do to not have to pay them these fines? Is it best to pay them and then fight to get my money back to avoid more? I'm going to go to the bank and get a detailed list of them today as I don't know exactly what they all are.
Any help would be greatly appreciated!
Thanks
Dave
I had an account with the A&L which I closed 2 years ago. Since then I've received a lot of mail from them but never looked at any of it because I assumed it was junk. Last week however I opened one of the letters to shred it and found that it was demanding that I pay them £169 in charges for my account being underfunded. I understand that the initial charge sent me into unarranged overdraft and since then the charges have racked up. I've spoken to them on the phone but they'll not budge saying there is no record on their system that I closed the account therefor I obviously didn't because their system cannot be wrong, it's perfect.
I fully accept that it's my fault it's gone on so long but it has been their mistake initially that has caused this.
Does anyone know of anything I can do to not have to pay them these fines? Is it best to pay them and then fight to get my money back to avoid more? I'm going to go to the bank and get a detailed list of them today as I don't know exactly what they all are.
Any help would be greatly appreciated!
Thanks
Dave
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Comments
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By phone. In order to prove it I need to let them know the date and what number I called, but because it was two years ago I don't know either of those things. All I know is that I closed the account when I took out my student account which was in September or October 2007, I can't narrow it down any more than that.0
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Get them to audit trail your account since someone would have to have had accessed it. HOWEVER, you should have put it in writing since it should have been required to have closed it.By phone. In order to prove it I need to let them know the date and what number I called, but because it was two years ago I don't know either of those things. All I know is that I closed the account when I took out my student account which was in September or October 2007, I can't narrow it down any more than that.
DO you have a rough timescale of when,. ie month?0
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