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I rang the Alliance & Leicester this morning and spoke to the Call Centre and explained that I had read a lot about the recovery of charges and wanted to know what I had to do to query and possibly recover mine.
The very nice lady explained that they would send me a form and I had to complete it and return it with 10 pounds and that the bank then had 40 days in which to respond.
We’ll wait for the form.
In the meantime I have just been hit by another overdraft daily charge of £25 which means they haven’t amended their charges despite the fuss and the fact that the
Consumer Action Group advise that Alliance & Leicester have repaid £284,292 to customers so far in disputed charges payments repayments as reported to them.
Since 1st January I have been charged £122.76 in bank charges, the most I have ever gone overdrawn since Jan 1st is £412, which is £62 over my limit. Which do you think is better for the bank; £5 a month for the facility, or £122 for the so-called abuse
of it? Yet requests to increase my overdraft limit are always met with a refusal.
Keep you posted, but let me have your input too at the end of this article or
personally, if you wish.
Good luck with this process John. Reading about the illegality of the charges in the press, I too went through my old bank statements to see how much the bank had stung me for. In my case it was only about $120 over the past two years. But I sent off a letter
anyway, and got one back from my bank (Barclays) within a week. They said that they were acting legally, but just so there were no hard feelings they had credited my account by £60. Now I had to decide whether it was worth pursuing further - with potential
small claims fees, multiple letters etc. - or just be happy with the return on my efforts so far. I'd like to say that I continued the battle on principle, but laziness took over.
What's interesting is that Barclays didn't just offer me a small payout - they actually credited me the hush money and then sent a letter - so unless I explicitly told them I didn't want their percentage payout of what I claimed to be owed, the matter would
The Payments Business
17 Dec 2001
28 Oct 2019
This post is from a series of posts in the group:
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