Alliance & Leicester (merged)

Orford

Can someone confirm the following for me please;
Are these suspensions only applicable for claims post August 2007?
No it apply to all claims
What would be my chances of getting the suspension lifted, or should I just wait for the test case verdict?
Small to non-existent. Judgement is expected late July earliest.

dblblb

Thanks Orford.
Not the answer I was hoping for as my financial situation is 'creaky' to say the least and I was hoping to get this money sooner rather than later.

thanks again

amitabh

hi all,

can anyone help me? i am beginning to file a claim from aliance and leicester. the amount is only 105 pounds but thats not the point. they have unfairly taken money from me after they said that no charges will be applied.

A cheque failed on the 4th of april. i rang cust services and they said i will not be getting charged. however they did. when i rang on the next morning they said that the advisor had advised wrongly and they will take that as a training issue but my charges will not be refunded.

so now ive decided to file a claim. can anyone tell me if they have signed the waiver too and also when sending the template will i need to send any statement copies? surely they will be able to check my account history from their records.

please anyone help!!!!!!!!1

jain0_2

Do not send any statements. use the interest calculator, print it off and send that with your letter (print a 2nd copy for yourself).

amitabh

thanks for the reply,

would you know if this is one of the banks who have also signed the waiver??? also do i need to add anything extra other than the template?

jain0_2

The banks and building societies in the test case are Lloyds TSB/Barclays/ Abbey National/Clydesdale/HSBC/HBOS/RBS & Nationwide.
All you need to send is the letter and a pintout of the interest calculator but keep copies for yourself.

amitabh

thanks jaino for the help. one more thing, u mention that i should print off interest statements. how do i do that???

sm222

Hi.
I sent the format letter to A&L for my bank charges reclaim, and received a letter saying I would have to wait until the OFT thing was sorted out. I thought that was fair enough. But something I read this morning made me thing that A&L weren't part of the court case, so should I be following it up? I'm only asking for £25, so I don't want to upset the applecart unnecessarily.

MarkyMarkD

A&L are eligible for the FSA waiver, because the FSA have granted it to any bank who have asked for it. They will be subject to the court's ruling even though they are not directly a party to it.

So, in summary, they are right to say that you will have to wait.

mossyxr2 wrote:

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 think you have the wrong idea about who's being "cheeky". You mean that you wrote 3 cheques days before you actually had the money to pay them, not that they just "happened" to be put in a day before your pension was paid. If you simply write cheques when you actually have the money, you won't have any problems.

andysuth

Dear All,

I need advice about "Alliance and Leicester", I have contested fines out of a zero-balanced account and been refunded 3 times, I have now been fined over £200.00 and do not have the money to pay this fine. Each sucessive fine is levied because the refund is made after the money is taken from the account.

The "Original Offense" was a £25.00 Standing Order was removed and I was not permitted by the Alliance and Leicester system to transfer the funds from our joint accounts the same day as a request was made.

My wife and I were previously with Alliance and Leceister, with a joint account and an individual account each.

All were well funded until 3rd December when a standing order for £25.00 left our account when we had only £0.36 in the account (and £4,500 in our joint account).

I realised that the money was to be removed from my wife's account and tried to transfer £25.00 back into the account on the 3rd December, but were not permitted to by their online transfer system postponing transfers between a person's accounts by 24 hours.


We were charged £25.00 for this, which I contested, and we were refunded on 11th January.

As the account was close to empty, we were then told that because their (later refunded) fine took our balance negative, we would be charged for that at a rate of £5 per day, for 4 days (additional £20, £45 total for the £25 standing order). The additional £20.00 was also contested, and we were refunded on the 11th of January.

On 22nd December my wife stopped working for a living and started to rely on maternity pay for her sole income.


The £20 fine we contested was only refunded on the 11th after being subtracted from a zero balance on the 10th.

When the statement covering this period arrived, we were informed that we were to be fined £5.00 for the day when the fine was subtracted from our account and returned the very next day.

I called Alliance and Leicester and pointed out this was a direct consequence of the agreed refund of the original fines, and so should have been cancelled at the same time and the original fines. This further £5.00 was also agreed to be refunded.

The fine was taken out of a zero balanced account on the 11th February 2008. It was finally refunded on 7 March 2008.

We have since been fined £70.00 for the period between this fine being removed from our account and being refunded.

We contested this fine and have been told that the Alliance and Leicester believe this is fair and proportionate to the level of our offense (in this case, apparently allowing them to fine us and refund us with 14 days difference).

I have tabulated the fines and refunds (all backed up by statements and phone bills) as follows:

(see below)

I cannot believe we are being fined £205 for being overdrawn by £20 for 1 day, which was a fine they then refunded the very next day.

This is clearly an excessive response to a situation that they have created, and are now charging us more interest than our mortgage does.

None of this £205 fine has actually been removed from our account and we have no intention of paying it. Because of this, we cannot take them to court over this matter, but as we are on a tight budget we also cannot afford to pay this excessive amount.

I am pretty sure that they could not prove in a court of law we owe them the money as it is due to their fine (£5) which they refunded at a later date. I'm pretty sure that it is unreasonable to give a £205 fine for being overdrawn by £24.64 for less than 24 hours, because their system would not permit instant transfers between a person's accounts at their own bank.

What is the best course of action in this matter?

Thanks,

-Andy (for Ruby)