About to send initial letter of request, can anyone see any mistakes?
wrong contact address etc?
Thinking about it, I used to work at the Giro bank in Bootle, Liverpool and the printer I'am using is an old A&L one that I fished from there skips.
Funny how things come around.
Here is the letter:
Mrs Julie Fogg
xxxxxxxxx
xxxxxxxx
xxxxxxxxx
Alliance & Leicester PLC
Personal Customer Services Centre
Bootle
Merseyside
GIR 0AA
Request for repayment of charges
Dear Sir/Madam,
ACCOUNT NUMBER: xxxxxxxxxx
My request
I am writing to ask you to refund to me the charges which you have levied from my account over the last 14 months.
I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. If you say that they are not then you will pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches in order to reassure me that your penalties really do reflect your costs.
Additionally it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.
Your responsibilities
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.
I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.
You concealment of the true nature of your charges has prevented me from asserting my right until now.
What I require
I have included with this letter an itemized list of the charges and calculate that you have taken £1010.00.
I require repayment in full of this money.
My targets to resolve this matter
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.
I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.
If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.
After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.
Yours faithfully,
Julie Fogg
