Typically I write all that out, then a supervisor calls me back and as a gesture of good will they will be refunding me the charge. Still leaving you tho A&L...

Hi, I have been on my online banking with a&l today and I have a charge for a DD. I look at my statement and it looks like this... 29/05/2010OVERDRAFT USAGE FEE-5 65.86 28/05/2010DIRECT DEBIT O2-60.16 70.86 28/05/2010PAYMENT REVIEW FEE - ITEM PAID - 25 131.02 28/05/2010BANK CREDIT blahblah 200 156.02 The oldest being at the bottom. I have a £50 OD facility and the night before it was -£43.00 OD still within my OD limit. First thing (on the 28th at around 8am)I transfeer in £200 to cover the O2 DD and then they put the charge on, before the DD shows to have taken out. I am currently changing accounts to Halifax as the 3 yrs with alliance and L have been the worst i've ever had with a bank. Can I claim this back? as according to my records in front of my face I can see cronologically that the charges shoudlnt have been applied. I called the phone banking to complain and the lady just said that I should have logged on at 5am and transfeerd the money in. THat way I wouldnt have been charged. THeir records look complelety different to mine and its always in their favour.

Hi There, THanks for your reply. This isnt my account. I sent them the proove it or bog off letter... they tried to proove it with a statement that makes no sense and with no credit agreement. I'll not call them again then. THanks

Hi All, I wonder if I can have some advice. I recieved a letter from Frederickson International LTD/Bryan Carter & Co dated 15:09:09 (kept envelope and letter) Requesting that I make arrangements to pay back £619.22 for an account to Lowell Finance Limited. I had no idea who they where and rang them. They were very hostile when I tried to figure out who they were working on behalf of so I told them I would write. I send them the Request for information on the same day via registered post which i scanned with the Royal Mail registered post Serial number. They sent a letter out the next day saying that they were putting £100 fee ontop of the debt if I didnt pay within 7 days. I rang them and explained I had replied by post and that was my intended method of communication. Today, almost 12 weeks later 24th November I recieve a letter through the post, It has a big long list of charges on an account (I am still none the wiser on the company) , There is still no company name and no credit agreement. I notice the account was first used on the 23/05/2003 and was last used on 23/02/2004. What is the next step of communications as I have called them today and asked why it has taken almost 12 weeks to get back to me and they fail to send me a copy of a relevant credit agreement. THe First person i spoke to refused to pass me through to a supervisor. He kept asking me to give him a reason to pass me through and when I stated I didnt want to speak to him he refused. I had to ring back 3 times to get another agent who eventually passed me through to a supervisor - He suggested to write back... but thats all. Can anyone assist? With a suggestion of a letter? THanks Nick

Hi all, I would like to ask for some advice regarding a telecoms issue that My Girlfriend and I are in. We signed upto BT on the 30st March 2009 at about 9am (online). We accepted the terms and conditions without reading thoroughly and expected that we could cancel IF the other providor pulled their act together. BT Emailed at 9.15am on the 30th of March to explain that they contact us within 3 working days to confirm phone number, line activation date and if we need an Engineer. Today (3rd April) we receive a letter from BT stating that the line went active on the 2nd of April. On the back of one of the letters BT state that we can cancel, but we have to pay £96! This is unbelievable as we had no idea that this would happen this way. Can they get away with this charge? with less than 4 days since ordering. Thanks in advance for any advice. Were both really upset at the charge. Nick