Alliance and Leicester damaging my credit report

YorkshireBoy

Maccydu wrote: »

£25 goodwill gesture... charges were in line with there T&Cs (although I'm going to challenge that, because I think they need to be proportionate, and they definitely weren't)

You've had a goodwill gesture...not an admission of guilt on their part.

I think the reclaims route has been closed now after the court case hasn't it? Unless you're a 'hardship' case?

they sent me a letter

Premier, or Premier Direct account?

If the latter they'd have sent you an e-mail...since it's an online account. If the former, then I suppose you could argue that 21 days is too long?

Maccydu

Premier.

And there wasn't a court case. Just their internal review dept (which, unsurprisingly went in their favour)

YorkshireBoy

Maccydu wrote: »

And there wasn't a court case. Just their internal review dept (which, unsurprisingly went in their favour)

I was referring to the bank charges court case (last year?). You know...the OFT vs the Banks one.

Maccydu

Ah yes, THAT court case.

Even after that though, from one of Martin's articles:


"2. The charges are disproportionate
If you unintentionally slipped over your limit by a few pounds and the charge is a lot higher than the ‘offence’ eg you go £1 over but are charged £35.

The FOS stresses these cases are not "black and white" and those who continually slip over their limit, not in hardship, are not guaranteed to be successful."


It was my first offense.

YorkshireBoy

Maccydu wrote: »

one of Martin's articles:

What does the article suggest is the way forward then? 'Formal' complaint to A&L?...Followed by referral to the FOS?...Legal action?

Maccydu

Yeah, looks like that.

I was hoping someone might have popped up and said "I had a similar problem and did x, y and z and it was resolved"

joedenise

I've got an A&L Premier Account and the charges are 50p a day with a max of £5 a month. Are you sure that's the account you've got. It sounds more like a standard account.

Maccydu

Yeah. They're the charges for overdraft usage.

The £5 a day are for going OVER the overdraft limit. And there's no cap on it

Maccydu

Having made a complaint to A&L about this matter, I received a reply, in which is:

"I can confirm that a status two is applied automatically where an account has exceeded the agreed overdraft facility regardless of the amount of time the account is overdrawn above the agreed limit."

My credit record says that a status 2 is an account 2 months late or 2 months in arrears. How can this be fair if, by A&Ls own admission, it could just be for the sake of 1 day?

YorkshireBoy

Maccydu wrote: »

Having made a complaint to A&L...I received a reply

First one after 4 weeks? Or their final response?

If the former, tell them (in writing) you're not happy. If the latter, refer it to the FOS.

Regardless of what they've said in their letter, your case (with the FOS) will be weakened if the transgression did indeed span two statement periods (you haven't yet clarified/confirmed whether this is the case).