£50 (now £100) in charges for going over by One Penny! (mrs) Crusher V A&L

[HSBCrusher]

Had a letter on Saturday, "this is a serious matter.... blah blah, pay in money blah blah..." yes, I had got myself £50 worth of charges! I had gone over my OD limit by ONE PENNY!

 

Phoned today, they refunded it funnily enough.

 

Anyway folks, will be joining you guys in here soon with a claim for Mrs Crusher.

[MimiJane]

Had a letter on Saturday, "this is a serious matter.... blah blah, pay in money blah blah..." yes, I had got myself £50 worth of charges! I had gone over my OD limit by ONE PENNY!

 

Phoned today, they refunded it funnily enough.

 

Anyway folks, will be joining you guys in here soon with a claim for Mrs Crusher.

 

Shame they refunded it in a way ... what good evidence that would have been to use against them.

 

Good luck

[HSBCrusher]

I know what you mean, I was ready for a fight, and I think the lady on the phone knew that lol!

[HSBCrusher]

Right, just phoned mrs Crusher at home, another fifty quid out of her account, and they have upset her.

Oh dear.

 

Okay A&L prepare to be crushed!

[Spiceskull]

Okay A&L prepare to be crushed!

If you need back up they can also be skulled, spiced, booked and bogged...oh, and rolled as well...

[MimiJane]

Can I watch ...

[HSBCrusher]

If you need back up they can also be skulled, spiced, booked and bogged...oh, and rolled as well...

LOL...

they have annoyed me somewhat... I can't say what I want to say, else i would have to edit myself... that would not be right.

I will post later what the figures are, it's going to be a few hundred quid I think.

[jansus]

welcome to A&L we are a bit quieter I think than some of the other bank sections - but just as determined and a friendlly lot.

 

jansus

[HSBCrusher]

thank you jansus.

 

quieter?

[jansus]

thank you jansus.

 

quieter?

 

 

yes normally we are quite reserved and dont SHOUT OUT EACH OTHER IN CAPITAL LETTERS!!!

 

Or discuss lots of matters off topic- or whisper about others.

 

I read lots of other threads - it takes over your life!

 

jansus

[dj9928]

They done this to me, I was over by 7p or something, I was unemplyed at the time, I clocked up over £200 in fees and they did nothing to help me, If they had of refunded a fee at the start I wouldn't of gotten into a mess but they wouldn't so I had no choice but to get a default and close the account, and the sickening tramps them said to me "Ah we will refund you a £25 fee" I said if you had of done that at the start I wouldnt of got into a mess"

[HSBCrusher]

OK.

Its £175, with £50 pending, so £225 in total.

Letter done.

I put my schedule of charges into the text of the letter, something I regularly do now. They can't make out that they have lost it, if they have the letter, they have the list of charges.

 

Sit back and wait for account closure now I suppose.

 

 

(this is claim 15!!!!! lol!)

[jansus]

[

 

(this is claim 15!!!!! lol!)

 

we will be picking your brains then!! Or is a dalek just one big brain:confused:

 

jansus

[HSBCrusher]

dont pick too much, there isn't a lot left, I need what I have! lol

[HSBCrusher]

standard "bog off" letter arrived for mrs Crusher's account.

LBA sent off.

 

Oh, got another £50 put on my account, generated by my account being over due to the charges made because of the 1p.... its easy to see how these charges snowball. I rang up, and after a grilling for the poor member of staff the charges were refunded. So... £100 worth of charges because of 1p. Thats what I call value for money!

[HSBCrusher]

OK, we are just adding any charges that have been added during the stay. For instance, we paid in money on saturday, as it was cash it was showing right away on the account (confirmed by a balance print out) they tell us today that there wasnt enough money in the account. Rubbish, there was loads in the account, they are just trying it on as usual.

 

Dont get mad, get even

 

OK mr A&L, offwe go again....

[angel_1]

Hi HSBCrusher

 

ive got lots of alliance and leicester charges in the past year, about 250 would just cover my overdraft lol plus now checked online statements and they intend to charge me the 5.00 a day for being over the overdraft limit and thus 100.00 will be taken on the 18 may 2008, thus my question

can i ask for these too plus the 25.00 and 34.00 charges for failed and review account payments.

Should i put my claim in including the 100.00 charges being applied next week or wait until the charges been applied and then apply?

im fed up with this account want it sorted and closed as fast as possible.

Your help appreciated ciao for now MAZ

[HSBCrusher]

oh yes... claim the whole lot.

by the time they get your letter and then reply telling you to "get lost" the charges will have been added.

 

I too have some of these £x per day charges... it is a complete rip off.

 

All the best with your claim Maz... go get 'em!

[angel_1]

Many thanks HSBCrusher

 

very encouraged to go for it now this weekend and will send recorded delivery and use the template letter from the forum

 

will update my journey have a fun weekend ciao maz

[HSBCrusher]

oh please do maz... we are happy to hear about your progress.

[angel_1]

Hiya HSBCrusher

 

im looking at the first letter i need to send requesting for my charges back and do the schedule of charges, but am confused on the interest charges , ive tried to calculator and i must be doing something wrong, at the end of the day i dont want to make a mess of it so is it okay to just ask for the charges and not the interest charges on the overdraft, and then if they done pay up do the letter for the before court and if still dont then do the court letter and then add the 8% INTEREST at the court stage _ would be happy to get a result this way and not faff about with the overdraft charges incase i make a mistake>

 

what do you suggest

maz

[HSBCrusher]

OK.

 

I am absolutley jumping.

 

£1.77 over my OD limit, that's right, less than 2 quid has resulted in... over £180 worth of charges on one statement.

There has been NO activity on the account last month, other than A&L's fees.

it went a little over, (because of fees by the way) and now this.

 

A classic example of how the banks are ABUSING the waiver, for greedy profit.

 

but, typical A&L... getting someone to talk about it... huh, you would have more results talking to the nearest lampost.

 

Im going to cool down a bit, then plan my next action... boy, am I jumping.

[dnamurphy]

Hi HSBCrusher!

 

I'd be interested to hear what your next plan of action is? I've been taken to the cleaners by A&L - they've just had me for about £300 in charges and they've closed the account. I'm not impressed! Does it look like we'll have to wait on the High Court ruling? Does anyone know?!

[HSBCrusher]

Hello DnaMurphy.

 

welcome to cag.

 

Does it look like we'll have to wait on the High Court ruling?

 

in a nutshell yes.

 

Its not good is it?

 

but be sure to get your claim in, you will be in the queue then.

[HSBCrusher]

the last post in this was 2008!

 

well, it was difficult to progress any claim on this as we all know too well, but now the oft debacle is over, and the dust has settled, I think its time to take the fight back to A&L.

 

This reminds me somewhat of the early days, I'll need a new letter, and a new POC. Lets see where this goes eh? :grin:

 

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