Alliance & Leicester (merged)

agh100

Hi
I have just been charged £25 by Alliance & Leicester for going 78p over my overdraft for 2 days.
I phoned and they rather smugly said that I know the terms of my overdraft, and what the fees are if I go over the limit so there is nothing they can do except ask an account manager to look at it and they will write to me once they have done so.
Is there anything else I can do about this now? It seems stupid for such a small amount!

Stephen_Leak

agh100 wrote: »

Hi
I have just been charged £25 by Alliance & Leicester for going 78p over my overdraft for 2 days.
I phoned and they rather smugly said that I know the terms of my overdraft, and what the fees are if I go over the limit so there is nothing they can do except ask an account manager to look at it and they will write to me once they have done so.
Is there anything else I can do about this now? It seems stupid for such a small amount!

Whilst they can charge in these circumstances, the charge cannot be “extravagantly” higher than the cost of automatically administering your misdeed. It is, so it is unlawful.

All you can do is wait for their reply. If it is unacceptable, reply to them with the second "Letter Before Action" letter. At least you don't need to wait for any statements.

Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.

dj9928

agh100 wrote: »

Hi
I have just been charged £25 by Alliance & Leicester for going 78p over my overdraft for 2 days.
I phoned and they rather smugly said that I know the terms of my overdraft, and what the fees are if I go over the limit so there is nothing they can do except ask an account manager to look at it and they will write to me once they have done so.
Is there anything else I can do about this now? It seems stupid for such a small amount!

A+L at it again, see my thread here http://forums.moneysavingexpert.com/showthread.html?p=5415690#post5415690 this resulted in my other half getting a default, and clocking up almost £200 in fees etc all because of 5p which wasn't her fault anyway:mad:

carrielouise80

Hi all,

i started the reclaim process on behalf of my mum with A & L in April this year we have been going back and forth since then in attempt to reclaim £2000 not including interest they offered us £1142.50 last month which we gracefully declined without prejudice as a full and final settlement stating that we were negotiable but not to that extent. We have received a reply today saying that as far as they are now concerned the matter is now closed they will not be revising the offer and we should contact the Ombudsman if we want to take it further. So my question is in light of recent events in Hull and so forth should we proceed with court action or refer the matter to the Ombudsman or do you think we should just accept that offer? we really could do with around £1500. My folks are short on cash at the mo and can't really afford the court costs up front...

any advice and sensible suggestions will be gratefully received...

thunnisett

MimiJane wrote: »

Why do you want to take to court something you've not been asked for? How long's the hearing for and what do the directions say?

As above, many people now are not being asked for a "bundle". Court bundles normally consist of 200+ pages ... that's a hell of a lot of work/man hours/printing/copying!

My letter says, its allocated to the small claims track, the hearing should take 10 minutes, if the parties attend the hearing it will be for direction only. Each party shall deliver to every other party and to the court office copies of all documents (Including and experts reports) on which he intends to reply at the hearing no later than 04 july 2007.

The original documents shall be brought to the hearing.



WHAT DOES THIS MEAN ??????

MimiJane

I would say you'll definitely need to submit copies of your charges spreadsheet, statements and correspondence between all parties. I'd also run off the Basic Court Bundle on the CAG site as back-up to this. The court bundle includes the OFT report, parliamentary motions, settled cases, etc. It's up to you if you wish to include anything else from the CAG library at the top of the forum in addition. Read through it all and try to make sense of it to some degree ... the judges know most of us are not legally trained, so won't expect you to be know everything.

You'll find the link to the court bundle and other useful info. here :-
http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523

I don't really understand the bit about it being a directions hearing, as you seem to have been issued with directions already. It may be that the judge will make a decision at this hearing, especially if the bank don't turn up (hopefully!).

Make sure you take 3 copies of everything and get it to the court and the solicitor by the date the judge has given you and take the originals to the hearing, as well as your copy. The bank may settle before the hearing, you never know, but take it that they won't for now. It's good news that you've only been allocated 10 minutes.

Hope this helps, good luck and let us know how you get on.

elsewotuk

Hi again all!! Rec'd a letter from the solicitors enclosing their defence advising the case should be chucked out etc.

Can someone tell me if I need to do anything now or do I wait for a court date or anything else???

Thanks again in advance

Elsewotuk

jonoefc1

nappy wrote: »

Hi
Am due in court 19th july, had a telephone conversation with wragge offering me £1029 and court costs, i refused on the phone, low and behold, letter arrived this morning from wragge with the very same offer that i had already refused!!! wragge will make payment to me within 28days of my acceptance of this offer, and this offer is made on the basis that i accept A&L terms and conditions of my account that have already been previously notified to me,
I was previously offered £600 (nearly)
My claim is for £2300 and court costs approx,
All my correspondence need to be with wragge and court by 21st june,
Nappy x

hi nap
got my court date! 7th Aug cant wait im off to turkey on the 17th with loads a doe! hopefully

thunnisett

MimiJane wrote: »

I would say you'll definitely need to submit copies of your charges spreadsheet, statements and correspondence between all parties. I'd also run off the Basic Court Bundle on the CAG site as back-up to this. The court bundle includes the OFT report, parliamentary motions, settled cases, etc. It's up to you if you wish to include anything else from the CAG library at the top of the forum in addition. Read through it all and try to make sense of it to some degree ... the judges know most of us are not legally trained, so won't expect you to be know everything.

You'll find the link to the court bundle and other useful info. here :-
http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523

I don't really understand the bit about it being a directions hearing, as you seem to have been issued with directions already. It may be that the judge will make a decision at this hearing, especially if the bank don't turn up (hopefully!).

Make sure you take 3 copies of everything and get it to the court and the solicitor by the date the judge has given you and take the originals to the hearing, as well as your copy. The bank may settle before the hearing, you never know, but take it that they won't for now. It's good news that you've only been allocated 10 minutes.

Hope this helps, good luck and let us know how you get on.

thanks for ur help, do i need to change any of the wording in the court bundle?

nappy

jonoefc1 wrote: »

hi nap
got my court date! 7th Aug cant wait im off to turkey on the 17th with loads a doe! hopefully

Thats great, was kinda hoping that it may have been same day but never mind, i am in the middle of submitting everything before 21st, ive nearly finished, will keep you posted, lets hope that we dont have to attend court, but not to worry if we do, Nappy x