Alliance & Leicester (merged)

Rex_Mundi

wenhazed wrote:

please can you help, A&L have charged me £50 for two DD's they say I did not have the funds to cover. Even though I transfered the money to cover the DD's into my account before 9am on the day they were due, A&L say I did not transfer the money early enough in the day and that I should make the funds avaliable the day before the DD's are due. Can this be right? Do I have a chance of getting my money back.

Yes, you can get this money back. Read Martins article to find out how to go about it.

Lina

Rex_Mundi wrote:

Absolute tosh!!! This is not true at all. You can do the same process as you did before to reclaim these charges, although you mention you got these because of a mistake by the bank. If they made a mistake that ended up costing you money, it may be worth using the banks complaints procedure to get these charges back. Their mistakes should not end up costing you money.

Brilliant! Thanks Rex_Mundi! Have had numerous conversations with them re it being their mistake, but they refuse to acknowledge it, so looks like I'm off to the Bank Action Group to download those sample letters again!

Thanks for your help
Lina

Edinburghlass_2

Lina wrote:

Brilliant! Thanks Rex_Mundi! Have had numerous conversations with them re it being their mistake, but they refuse to acknowledge it, so looks like I'm off to the Bank Action Group to download those sample letters again!

Thanks for your help
Lina

Sample letters are all here and more in Martin's article.

I'd also say that this is a good example of why its best to deal with the banks in writing and not over the phone. (unless they are offering a really good deal!)

Edited to add, if you are phoning your bank about anything, have Martin's article to hand along with the letters and any information that might cover your complaint. Just this week a bank told someone that they had 40 days to send a "SAR pack" for signing then a further 40 days after it had been signed and returned, this is tosh as well but it helps if you have the correct information to quote.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

debtfreeandlovingit_2

Thnaks very much, Edinburghlass! WIll follow your advice. Have a good weekend.

LegolasGreenleaf

This is my first time on the forum. I was on reading messages before Christmas and was encouraged by the amount of success stories as regards getting back bank charges. Until today that is! I read a thread about the Alliance & Leicester and there seem to be very few success stories and most of these people are only claiming at the most a few hundred pounds.

My husband and I are with the A&L. We sent the letter to A&L using the template to get a list of the charges incurred. They returned this list well within the 40 days. But now, having gone through the list and calculated how much we have been charged, I'm scared that we're going to be laughed at. We have amassed about 3 and a half grand's worth of charges and that's only since 2002!!

Is it worth our while asking for the charges back? I have to admit I feel rather scared.

jas135

F##k yeah !!
Go for it .... you WILL get your money !!

Fill_7

just thought id give an update on my A&L claim. (£1500)

sent the 2 letters off mid jan, both times got relpies telling me the charges are correct. filed my claim on MCOL on 26/01. it was acknowledged on 01/02/07. confirmation of this 'acknowledgement of service' was sent through the post to me. on this receipt they have ticked the box 'i intend to defend all of this claim' and its signed by A&L solicitor.

can anyone else who has made a succesful claim confirm that this is pretty standard procedure? it reads that they have 28 days to prepare their defence? so i take it they are gonna defend my claim?

also, it appears that northampton county court has been allocated this case, which is certainly not local to me. can this be changed?

thanks for any advice...
fill

Rex_Mundi

Fill_7 wrote:

j
can anyone else who has made a succesful claim confirm that this is pretty standard procedure? it reads that they have 28 days to prepare their defence? so i take it they are gonna defend my claim?

also, it appears that northampton county court has been allocated this case, which is certainly not local to me. can this be changed?

It's standard for the banks to acknowledge the claim. This gives them an extra 14 days to submit a defence if they are going to.

You will not have your case heard in Nottingham. All MCOL claims start there (this is where they are based). If the bank enters a defence, your case will be transfered to your local county court for the next stages and the remainder of your claim.

neiljor

Hi Guys,

I'm just about to send my second letter to the Alliance & Leicester claiming £430. Hope I'm as successful as most of you! Has anyone used the Northern Ireland Small Claims Court to do this? Does it make any difference?

Thanks
Neil.

jane_thomas_2

I have put in my claim to Alliance & Leicester at the court personally because I claim incapacity benefit, and I claimed low income so I was liucky I don't have to pay the court fees. The court posted a summons to them, they have replied and they say that they are appealing against the claim. I am a bit worried as to what to do next. Say they do decide to take it to court what will I have to do? please help!