Alliance & Leicester (merged)

dj9928

I got my bank statements from Alliance and Leicester today and have counted £955 in fees from 2002 to 2005 until the defaulted me. Whats the chances of getting this back and getting the default removed?

emanevs

Wrote to Alliance and Leicester for Data protection information, replied with return of £10 and stated that MBNA Europe Bank owns and maintains the Credit Card!!!

What a cheek!

Pursuing MBNA now, although they didnt respond to Information request. Reported to Information Commissioner, awaiting response.

Iwosrobbed

A&L seem to be playing hardball on the charge claim issue.

I wrote to Alliance & Leicester on the 21st of November 2006 claiming £658.28 of late payment charges (inc. interest).
They sent me two letters before Christmas saying that my claim was being investigated and promising a response before the 22nd of December.

Eventually they sent me long letter dated the 4th of January 2006!!. In this they regurgitated the standard response of "our methods of calculating our default fees are confidential" and said that their cost in dealing with late payments are "substantial". They went on to further justify this by saying that their fees are clearly set out in their credit agreement and that by paying late I am using the card in a way that is "not allowed".

They said that they do value their customers and would therefore send me a goodwill payment of £240 to be credited to my account. Once the balance was cleared they would send me a cheque for the balance.

On the 11th of January they sent me a cheque for £142.09. As my oustanding balance on my last statement is £69.93 this is £27.24 short of the promised £240.

So far I count this as a failure to recover the charges. I am considering returning the cheque and proceeding with a claim through the courts, although the amount isn't that large. Any advice gratefully received.

2hapennys

well said round of applause:T

furndire

Strewth well said. I know where to come when I want a letter writing.:rotfl: :rotfl: :rotfl: :rotfl:

natrat84

Hi there
Am in the process of reclaiming bank charges, sent first letter off and recieved a very blunt NO in reply, just stating that the charges are fair and are in their terms and conditions etc etc, So I sent off a 2nd letter threatening court action and recieved another NO letter within a couple of days.

It basically says that the charges were raised in accordance of their terms and conditions// Office of fair trading report on 6 april 2006 did not give any specific recconmendation regarding charges on current accounts... They feel their charges are reasonable and competetive and clearly shown in their literature. In view of all that they regret to inform me that their original decision concerning the charges raised must stand, etc etc etc.

I can email a scan or PDF (pdf is a bit large though) of the full letter if required. This claim is against alliance & leicester and is for just over £800 inc the interest.

Is the letter a standard reply and I will win anyway when court claim is started? Although I gave them 14 days to reply they actually replied in about 3 days!! Am planning on claiming through moneyclaim website in a week or so.. Just a bit nervous now about wasting money on court and losing... Was expecting to be ingored but they have been very quick at replying.

Many thanks in advance
Nat

lisaflower1980

Hello All

Do you know what the time limit is after your letter before action and actually starting the moneyclaim process?

I wrote my A and L letter some time ago and now need to take them to the small claims court. Is this possible after around 5 months? Or do I need to start the process again?

Rex_Mundi

Send the template letter in step 4 of Martins article. This gives them 7 days, or you will issue a court claim.

dj9928

I sent a letter asking for almost £1000 bank charges refunded from A&L, the quickly replied no that these charges are correct as per there terms and conditions. I then sent the second letter about going to court, the then quickly replied again saying basically the same thing that these charges are correct.

Usually do they not make a good will gesture at least, they basically just told me to bog off.

Are A&L usually this akward and should I go to court

reecos

I think you should carry on, I've not seen a post on here yet by someone that has been unsuccesful with their claim.

Carry on to the next stage, most of the banks send you letters to fob you off in the hope that you won't go any further.