Alliance & Leicester (merged)

LFCGUY

So they have to the end of the week basically?

katierose

Yip think it works out they have till Friday

MimiJane

thecloss wrote: »

I am having BIG problems with A & L. I have sent several letters, got the print out from them of the charges and have now been told that they are not willing to pay out as "you agreed to our charges when you opened your account"! The call centre operatives are all trained to say "no" very firmly. My next step is the small claims avenue but as I live in Scotland, I'm going to have to raise 2 small claims. I have the feeling they will fight it tooth and nail.

A&L do appear to be very stubborn but they also, in the vast majority of cases and after stating their intent to defend, pay out before it gets as far as court. Go for it ... you will get your money back.

Becks_in_Debt

vtr2007 wrote: »

im using a solicitor itsmycash.com theyre just waiting for the statements what happens if they dont give them you after 40 days?

I rang A & L on the 39th day, they made out they hadnt received a letter from me, but when I stated that the obviously had as they had cashed my cheque 2 weeks prior, they promised to have them with me the next day, and the next morning they were on my door step

Becks_in_Debt

thecloss wrote: »

I am having BIG problems with A & L. I have sent several letters, got the print out from them of the charges and have now been told that they are not willing to pay out as "you agreed to our charges when you opened your account"! The call centre operatives are all trained to say "no" very firmly. My next step is the small claims avenue but as I live in Scotland, I'm going to have to raise 2 small claims. I have the feeling they will fight it tooth and nail.

I agree with Mimijane, they are paying up, they are just trying to pull a fast one, hoping that people havent looked to much into it, by sending a letter stating that it is in your terms & conditions they are hoping it will put alot of people off, I received the same letter the other day and it got me thinking intill I posted on here yesterday and Mimijane put my mind to rest, if you read back through the posts other members have put what response they have received from a&l and it is just a bog standard letter to everyone, mine stated in my letter to watch that I dont go overdrawn in future to stop the charges, well that would be hard A&L the account has been closed for a year, they really do not think before sending them out.

sunshine_shell

I know it sounds silly but i'm trying to sort out my money situation and i thought that reclaiming bank charges is a good start.

Can i still claim and has anyone got any experience claiming from the A&L

thanks
Shell

MimiJane

sunshine_shell wrote: »

I know it sounds silly but i'm trying to sort out my money situation and i thought that reclaiming bank charges is a good start.

Can i still claim and has anyone got any experience claiming from the A&L

thanks
Shell

Hi,

There's a large section on Alliance & Leicester on the second page (at the moment), which should help you. Sorry, for some reason I'm not able to copy and paste the link for you.

sunshine_shell

Right i've decided i'm gonna go for it!!

a few questions though..
what can i exactly claim back?
how much will it cost me to claim back?
do i really need a parachute account?
if i claim back from A&L will it affect my credit card that i have with them?

Thanks

Michelle:j

Becks_in_Debt

sunshine_shell wrote: »

Right i've decided i'm gonna go for it!!

a few questions though..
what can i exactly claim back?
CAN BE CLAIMED
Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

Credit Card/Store Cards/Catalogues
Late payment fee
Over limit fee

CANNOT BE CLAIMED
Cash Machine Withdrawal Fees (ATMs)
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts (such as RBS Royalties)
Normal overdraft interest charges<!-- / message --><!-- sig -->

how much will it cost me to claim back? - £10 CHEQUE to get last 6 years statements / charges - plus postage £4.20 Special Delivery (per letter sent) - plus Court Costs about £100 i think, A & L have to pay this back when you win if it gets this far
do i really need a parachute account? - They will close your account about 1 month after paying up, as you are not agreeing with their T & C's
if i claim back from A&L will it affect my credit card that i have with them? - I beleive not from what I have read, but dont quote me on that

Thanks

Michelle:j

Please see above highlighted

sunshine_shell

Thanks

where do i send my letter?

is it this address?
Alliance & Leicester plc
Customer Service Centre
Carlton Park
Narborough
Leicester
LE19 0AL


Thanks!