Alliance & Leicester (merged)

billybar393

Hi, I sent my first letter ( using template ) and cheque for £10 on 5th January, A & L cashed the cheque 1st Feb yet I have not heard anything. Phoned them today and they said the 40 days start from when they cash the cheque, surely this is not true? Can I just go direct to information commisioner or shall I send the threatening letter?

nickmack

Jayk wrote:

They wrote back to me after two days and basically sent me a copy of the original letter they sent plus a reference document reffering me to a Guide to Bank Charges. They are still refusing to refund my monies even though I have threathed court action.

Please can anyone advise what my next step would be and whether anyone has had any success in claiming charges back from the Alliance & Leicester.

Start the court action, many others before you have done so and been successful.

nickmack

billybar393 wrote:

I sent my first letter ( using template ) and cheque for £10 on 5th January, A & L cashed the cheque 1st Feb yet I have not heard anything. Phoned them today and they said the 40 days start from when they cash the cheque, surely this is not true?

It's correct, the 40 days start from when the money is taken. The Information Commissioner may take a dim view of the time taken to cash the cheque though if they continue to delay. You may wish to let A&L know this.

Kazza76

Edinburghlass wrote:

You'll find the address to send for your details in the first post in Reclaim Help Thread link in my signature. Send your name, any relevant address and date of birth and they will be able to trace your account.

Thanks for that help!!

billybar393

nickmack wrote:

It's correct, the 40 days start from when the money is taken. The Information Commissioner may take a dim view of the time taken to cash the cheque though if they continue to delay. You may wish to let A&L know this.

Thankyou very much

brownowl_2

well guys I have some (I hope) to be good news. :j The emails seemed to have done the trick.

2nd email sent last night.


With regards to your email. I am not sending a response to the your letter of the 30th Jan, I have received 2 further letter since then from 2 different customer service personal. I am emailing you with reguards to the letter dated the 15th Feb. Your charges may be inline with your T&C but not lawful. I will recalculate the interest due to my account and send you the updated figure before taken this matter to court

A&L's reply today
Thank you for your e-mail regarding charges.

There’s been a small number of specific instances when a customer has taken legal action to recover fees. As a gesture of goodwill we have repaid these. However because it highlights they were unhappy with the account, we have opted to close it. The customer is normally given 30 days' notice to make alternative arrangements - although we are happy to be as flexible as possible and can extend this period if they need more time. It’s not a decision that is taken lightly, but we believe that a clean break is best for both parties in these circumstances.

The Banking Code does allow us to close a customer's account provided we give 30 days' notice. Opting to settle the claim in this way is not an admission of liability on our part.

I do hope you find the above information useful, however, if you have any further questions or need any more help please visit our ‘Help’ section online or contact us again.

Kind regards

Customer Services
Alliance & Leicester plc
--Original Message--

Ok do I accept they are going to close my account or fight that too?

darwin-rover

1 quick question . Who do you send your letters to . Your local branch or A&L head office ?

brownowl_2

I sent mine to customer services as I do not have a local branch. I would sent them to the branch you bank with if possible.

nel

hiya fiona

did they actually make an offer or were they just basically warning you that yes they have settled claims but then they have closed the account and so its up to you as to whether or not you carry on?

Helen

wdj40

I have instructed Moneyclaim to act on my behalf... A & L have aknowledged it and intend to defend the whole claim!!
Has anyone else had this from A & L...
What exactly happens if this goes to court etc??
Has it gone that far for anyone else??