Alliance & Leicester (merged)

The_Vin_2

Hello All,

I've had an offer letter back from the Alliance & Leicester.

It basically states that their offer of a refund is in line with the £12 charge currently applicable to credit cards.

Every original charge they made was £25 so their offer equates to approximately half of what I'm claiming.

Has anyone else has this reasoning detailed in their offer letter ?

SandyC_3

I was expecting to go along the same lines as everyon else here......mcol, court date, bundle etc. I have had an offer of £1761. which I accepted as part payment only with the intention of pursuing the oustanding amount of approx.£2500.While waiting for a court date I wrote to A&L telling them I would settle for a further £2000. I have today had a letter offering me a further £1800. Total amount settled for would still be more than the original bank charges and court costs but without interest.
As has been said before Im absolutely chuffed to bits, I had said bye bye to all that money years ago and I really couldnt have done any of it without this place.
A HUGE THANK YOU to everyone here who takes the time to post and help out.

SandyC_3

The_Vin wrote: »

Hello All,

I've had an offer letter back from the Alliance & Leicester.

It basically states that their offer of a refund is in line with the £12 charge currently applicable to credit cards.

Every original charge they made was £25 so their offer equates to approximately half of what I'm claiming.

Has anyone else has this reasoning detailed in their offer letter ?

I had this letter as have many others, if you check out the A&L thread you will find every possible scenario
I personally accepted the offer as part payment and continued to pursue the remaining amount through the court, but you MUST write to tell them that is what you are doing. Check out the A&L thread.

lacedr

hi, iam currently trying to reclaim charges from alliance and leicester about £1300 a+l offered £500.00 i started court proceedings a+l then offered £500 plus my court fees £620.00 now i have received a letter from their solictors giving notice of intention to defend is this normal or should i be worried
cheers
dave

GarethR

lacedr wrote: »

hi, iam currently trying to reclaim charges from alliance and leicester about £1300 a+l offered £500.00 i started court proceedings a+l then offered £500 plus my court fees £620.00 now i have received a letter from their solictors giving notice of intention to defend is this normal or should i be worried
cheers
dave

Its normal Dave, let them defend it. Result will be the same as the other 98% of claims that get defended, a win to you, a loss to the bank!!

lacedr

GarethR wrote: »

Its normal Dave, let them defend it. Result will be the same as the other 98% of claims that get defended, a win to you, a loss to the bank!!

ok thanks
dave

MimiJane

SandyC wrote: »

I was expecting to go along the same lines as everyon else here......mcol, court date, bundle etc. I have had an offer of £1761. which I accepted as part payment only with the intention of pursuing the oustanding amount of approx.£2500.While waiting for a court date I wrote to A&L telling them I would settle for a further £2000. I have today had a letter offering me a further £1800. Total amount settled for would still be more than the original bank charges and court costs but without interest.
As has been said before Im absolutely chuffed to bits, I had said bye bye to all that money years ago and I really couldnt have done any of it without this place.
A HUGE THANK YOU to everyone here who takes the time to post and help out.

Congratulations ... great to see a few people having some success recently

sixxdog_UK

Hi Guys,

:mad: RANT MODE FULLY ON! :mad:

Well after being made a very sensible offer from the bank and accepting it i rang to enquire about my settlement cheque. Only to be told that they know nothing about it.

So after emailing Wragge & Co. , i get an email back saying that the bank have informed the solicitors that the first small cheque has been cashed!

This is impossible as i covered it in the word CANCELLED in RED INK.

No-One in their right mind would cash this cheque.

So looks like the delay tactics continue even after a settlement has been agreed.

I have written back saying basicly , this isn't my fault sort it out in very very near future or i'm going to continue with my action and see them in court!

UN-BLOODY-BELIEVABLE!

Sixx.

steveh66_2

Hello all

I'm currently trying to claim back £610 from A&L for unathorised overdrafts and failed cheque/DD/SO charges, and so far have had no joy. I've sent the initial letter using the template on this site, which received a standard reply refusing to reimburse me. Two weeks after, the LBA, again using the standard template - I also posted off another letter requesting a breakdown of the costs accrued by them in administrating my account, in order to justify their fees. This deadline passed a few days ago, but today I received the following letter from them:

Thank you for your enquiry requesting that we refund the fees you have paid on your current account. These fees form part of the Terms and Conditions of your account and were generated because payments you made caused your account to go over your overdraft limited or were no overdraft facilities were agreed, took your account into an overdrawn state.

As you may be away the Office of Fair Trading (OFT) is currently reviewing the issue of current account charges. It is our understanding that they have suggested that there may be some similarities between the default charges on credit cards and similar charges applied to current accounts, however, it recognises that the application of these principles set out in 2006 to the banking industry is not straightforward and that a more detailed examination is needed in relation to bank charges.

Default charges may apply to current accounts when items are presented for payment whilst the account is in excess of its overdraft limit and are returned unpaid (bounced) and a fee is charged. We do not believe that the term applies to other types of fee.

Having reviewed the particular circumstances of your case and taking into account the ongoing OFT review we can find no evidence of any unpaid item charges having been debited to your account. We believe that all charges made to your account are in accordance with the Terms and Conditions, of which you have been given a copy. Therefore I am unable to settle your claim.

I appreciate that you may be disappointed with my response and if you wish, you can refer your complaint to the Financial Ombudsman Service within 6 months of the date of this letter. I am enclosing a leaflet that explains more about the Service and how to contact them.

Yours sincerely

Alison Riley
Customer Services Manager
Current Accounts.

Hmm. I'm a bit worried by this, particularly as they've received the two standard letters and the request for administration breakdown, which I'd hoped might swing things a bit, especially as this (and their almost certain refusal) could come before a judge. The bit about 'Default bank charges' is in relation to the wording of the standard templates, I'm guessing, but their apparent inability to find evidence of any unpaid item charges applied to my account is puzzling - the charges I've accrued include 'failed cheque charges' and 'failed direct debit charges', exactly as they're termed on my statements; I've not phrased anything as an unpaid item charge.

So, how to take this? Has anyone else had a letter like this - is it standard posturing? Or is this another attempt at a bit of word play? While it might also be standard practice, I'm concerned at their enclosing a leaflet about the FOS; it seems a bit too confident for my liking.

Any help greatly appreciated!

eyeball0001

That sucks, Sixx, sorry to hear that. I sent my first cheque back in pieces!