Alliance & Leicester (merged)

doodlez1612

MarkyMarkD wrote: »

Moneysavingchicken I'm not paid to be an evangelist for A&L; I'm a satisfied A&L current account customer having banked with them for over 10 years. Threads like this need some balance - there's no value in lots of "I've been treated badly" repetition.

Whilst I'd agree that there is no value in being wholly one-sided in most cases as far as I am aware this thread is designed to be for people to discuss reclaiming their bank charges from A&L, which makes it a pretty one-sided thread. Although it is sometimes useful to have other customers (reclaimers or otherwise) explain aspects of the banks system that may have slipped past others posting on the thread, it is not aimed at people who are perfectly happy with their bank's service - that would be the "I bank with Alliance & Leicester regardless of how I feel I am treated" thread. I think it has become fairly clear that whilst some comments of this nature have been very useful some have also been taken with offense.

doodlez1612

Victory!!
It's been going on for nearly two months now but I have finally had all my charges refunded (included one which hasn't yet been charged!).
So don't give up hope, you'll get there in the end!

:T

MarkyMarkD

doodlez Good for you. If people take my comments with offence, that's their look-out to be honest - I'm just trying to give a balanced view to others reading the thread.

snugglemunchkin Both are valid A&L addresses; I don't see that it should matter which you write to. Current accounts are dealt with in Bootle (among other places), not Leicester but complaints are dealt with in Leicester. I'm sure that writing to either will get your case progressed.

mossyxr2

hi folks, was just wondering how many of you are now being hit by this quite new fee that A & L are charging. i have recently had £150 charges made to our account for them sanctioning payment of a few cheques and direct debits, on most of these occasions money has been going into the account on the same day. only this week i had 3 cheques which were put in a day before my pension, they had the cheek to charge £25 for each of them, £75 in one day! i can only assume this is an underhanded way of getting back at their customers who have reclaimed other charges in the past.

if you read this Martin it needs exposure through the media to show what underhanded tricks they are up to now

snugglemunchkin

thanks for the reply.well iv yet to hear anything,so i will send my next letter to Leiscester and see if i get a reply from them.thanks again

ncp2008

Hi everyone I hope you can advise me on this.
I bank with Alliance and Leicester - Internet Premier Account. I looked online on the 31st January this year and saw that an overdraft charge of £75.00 was going to be taken out on the 8th february. I received no email or letter telling me I was overdrawn. I was overdrawn by £6.00 for 2 weeks - which I was unaware of. I rang the bank on the 31st January to state that 1. This was excessive for going JUST £6.00 2. I am unable to pay the £75.00 at the beginning of february (that's a lot of money to anyone and plus I have a mortgage). They told me they will review this charge and I will get a decision "within 10 days". I waited 10 days and received nothing. I rang A&L almost everyday and was told the decision will be soon etc, some even said it is most likely the funds will be refunded as it was under £10. It took until the last day of february for me to call A&L and get a ring back from a manager who instantly told me that the charge will be refunded. Note before the 8th February I was £6.41 in credit, then they charged me and therefore for the whole of the feb or until I forced them to make a decision, they have charged me £5 everyday. I asked the manager what will happen to the charges occurred she said most likely they will be refunded also. At the start of March I saw on my bank statement that there was a charge for £90.00 i.e. £5 everyday in february. I called and explained and was told yes this is being reviewed. To back step a bit from the 31st Jan till the 4th february I was overdrawn I then put the account into credit (I was also charged an instant £25 by A&L - so by the 5th feb I was in credit). Therefore the charge for march should be just £20 (4 days @£5 a day). I called again and said look its just amending digits on a computer no refund needed - this is a banking mistake. Still they charged me £90.00 leaving me £70.00 overdrawn. I refuse to pay this fee, it was not my fault nor is it money I can do without. I called this morning as charges for April are now £105.00 (£5 everyday in march). I spoke to a manager who said no money will be refunded you have to pay £175 or else it will eventually go to a debt company, I continue to be charged £5 a day. I explained and explained - this women was like a robot all "I understand, I understand" by she could not do anything. She gave me a correspondence dept to write to however I will still be getting letters and charged everyday. This is wrong, immoral in fact. They said within 10 days they took 5 weeks. IF they had told me on the 15th feb for example that the charge will be refunded but I still must pay the 7 days of being overdrawn it would of saved me a lot of money. It seems as if they have waited as long as possible to give me a decision with the initial £75.00 then charge for the max days at £5. What I want to know is - what should I do next? what is the likely outcome? how should I approach this letter to the correspondence dept? Am I RIGHT?

Many. many thanks and apologies for the long text. P.S A&L were nothing but appalling throughout this whole experience, they were rude, aggressive, inconsistent with advice and completely useless with making any sort of decision. What I cannot understand is that my other bank is Lloyds they will tell me instantly whether the fee will be refunded or will stay, the same with my girlfriends bank HSBC. 5 weeks it took Alliance and Leicester!

ncp2008

I've also remembered that when I rang them on the 31st januray I said I can't pay it fully it was the man at A & L who said seeing as its under £10 I will pass it to our charges team, decision within 10 days therefore it was them who started this whole thing.

buglawton

I am baffled that you don't have a sensible, agreed overdraft limit set up.

A&L charge 50p per day for any amount that is overdrawn once you have such a limit agreed.

Can only get into serious charges if the overdraft limit itself is exceeded (or is that what happened?)

ncp2008

thanks for the reply.

I do not nor cannot get an overdraft facility with Alliance & Leicester.

Smasher

And yet they will allow you an unauthorised overdraft so that they can sting you with charges..
Reclaim them ncp2008.