This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

just got another letter from A & L ....... Basically reads as follows..... You contacted us recently regarding charges made on your account. I have now had an opportunity to review why the charges were raised and have also considered your comments. I can confirm that the charges have been applied correctly in line with the Terms and Conditions of your account, and as such, I regret I am unable to agree a refund on this occasion. I appreciate you may be disappointed with this decision, but please be assured our charges are in line with those made by other financial organisations. You can ensure no future charges are incurred by arranging for sufficient funds to be in your account, ahead of any payments being made. On the reverse of your statement*, you will find details of cheque and cash deposit clearance times which you may find helpful when planning payments. Then refers to A&L 24 hour automatic service and internet (!)........fails to mention that when trying to speak to anyone on 'phone you need to remember or have on you the security numbers including a 12 digit customer ID, phone pin etc, that moving money even between two A&L accounts will take several days to clear. Also in this case I was able to withdraw money although it was obvious from an earlier transaction on the debit that that would put me overdrawn.... Should I continue with second letter or give it up and move account?

Thanks for all your tips and info has been very helpful and reassuring, to update I have signed the letter and sent it back on Friday, I needed the money and thought that the letter in court prob wouldn't add anything more...........but................... Today on checking my account online (hoping to find the £211 in it) I have found that I have had another 2 charges applied- total of £50 out of the account and to add insult to injury I am currently 10p overdrawn because a debit of £5 went through yesterday and also yesterday i was able to withdrawn £20 leaving me 10p in the red!! I phoned up A&L cause I was that fed up and have been told that my charges would be 'quietly referred' when asking what this mean't it was explained that the account would be referred to another department who would decide if the charges would be applied or not (!) I said but its excessive so I want the money back and would like it back in my account today as quickly as it was withdrawn- I was advised that the earliest I would find out would be in two hours but that it might take 24 hrs before the money was back in my account. How can they be sending out letters saying that it will prob be a charge of £12 but then apply £25?? I am that annoyed have got the first request letter printed off and will post that today.

Hi - i'm sending you 2006 T&C , I've scanned them not sure how well they will turn out- if you want a p'copy let me know and I can send it.

I have recieved a letter from the A&L in response to the £211 court claim I have started- could you have a look at contents below and let me know if you think i should sign copy of this letter or not as it is requesting? I have sought successfully to claim charges bank before on this account but was offered the settlement (for similar amount) in full over the telephone. I'm a bit reluctant to sign my name to anything which might be used againist me if they decide to apply the excessive charges to the account again..... any advice/help greatly received! Dear...... In respect of your claim for a refund of fees on your current account, as you may be aware the Office of Fair Trading ("OFT") is currently reviewing the issue of current account charges. It is our understanding that they have suggested that there may be some similarities between the default charges on credit cards and similar charges applied to current accounts, however, it recognises that the application of the general principles set out in 2006 to the banking industry is not straight forward and that a more detailed examination is needed in relation to bank charges. Default charges may apply to current accounts when items are presented for payment whilst the account is in excess of its overdraft limit and are returned unpaid (bounced) and a fee is charged. We do not believe that the term applies to other types of fee. We believe that all our charges have been applied in accordance with the Terms & Conditions of your account, of which you have been given a copy. However, having reviewed the particular circumstances of your case and taking into account the ongoing OFT review, in order to resolve this matter we are prepared to refund the sum of £211 which includes the court fee of £36 in full and final settlement. This reflects the difference between the amount of charges for unpaid items actually applied to your account and the amount of charges that would have been applied to your account if the charge had been £12 (being the amount that the OFT indicated was not unreasonable in relation to credit card default charges). This offer is time bound and is available until 30 July 2007. Please sign the enclosed copy letter to confirm your acceptance of this offer and return it to me in the envelope provided. On receipt, I will apply the agreed refund immediately. You may have seen media reports that some banks have considered closing certain customers' accounts where the customer has complained about bank charges. We would like to re-assure you that if you do accept our offer of settlement we will continue to operate your account. We would only do so on the basis that you accept the Terms and Conditions of your account previously notified to you and that charges will be applied in accordance with our current charging policy. We would stress that as the OFT has not concluded its review, the offer of settlement contained in this letter is made on an entirely ex gratia basis and without any acceptance by us that £12 is an appropriate charge for returning an item unpaid. This letter is written without prejudice to any contention that the Alliance & Leicester may have for saying you do not have a reasonable cause of action against us or that you do not have a reasonable prospect of succeeding in any claim you may bring. Alison Riley Customer Services Manager, Current Accounts

will do- will let you know how it goes!!

I have a letterfrom the Halifax dated 24th August which I received the 26th August assuring me that i would receive full settlement (including court fee) in 5 days. I still haven't recieved a penny. My account is closed with Halifax so I was expecting a cheque. My dead line for settlement is 19th Sept. What should I do?? Have others had similar experience?

I have a letter dated 24th August which i received the 26th August assuring me that i would receive full settlement (including court fee) in 5 days. I still haven't recieved a penny. My account is closed with Halifax so I was expecting a cheque. My dead line for settlement is 19th Sept. What should I do?? Have others had similar experience?

Just got letter today from Jonthan Palmer, Customer Relations Manager @ Halifax confirming that 'without admissions of liability Halifax will be reimbursing me- total amount of charges + court fee' I should have the money in five days- and in true Halifax fashion they have included a nice little blurb at bottom of letter telling me 'ultimately the account is my responsibility and that they will withdraw my account facilities if I have any charges in future'- I won't.............I haven't had an account with them for years (!)- Ultimately because they wouldn't stop taking money out of my account under the guise of 'justified' charges- A big thank you to all in the forum for help and support and also good luck to everybody still going through the process, wishing you all every success!!

ooops- no! Am shock/celebration mode after the letter and not thinking straight!

Just got letter today from Jonthan Palmer, Customer Relations Manager @ Halifax confirming that 'without admissions of liability Halifax will be reimbursing me- total amount of charges + court fee' I should have the money in five days- and in true Halifax fashion they have included a nice little blurb at bottom of letter telling me ultimately it is the account is my responsibility and that they will withdraw my account facilities if I have any charges in future- I won't.............I haven't had an account with them for years (!)- Ultimately because they wouldn't stop taking money out of my account under the guise of 'justified' charges- A big thank you to all in the forum for help and support and also good luck to everybody still going through the process, wishing you all every success!!!

What a nightmare!! Have had the claim form returned three times due to irregularities....... For anyone filing a claim in NI you will need an additional form because the company you wish to take to court is based in England. I am hoping that this next posting will be third and final…… will keep you all posted!

Sorry for the delay in replying- but yes things are moving along nicely..... if you can call it that!! Indesit are point blank refusing to replace one appliance regardless of the fact it has broken down over ten times (and is incidentally currently out of action!) They say its a Domestic and General issue as they are our insurance company. I have spoke to Domestic and General and they tell me that Indesit need to request a replacement. D & G only have one record of a call out for the machine (!) I am aware that on two occasions that service engineers have recommended the machine be replaced – I mean it doesn’t take Einstein does it?? In addition over three of the four appliances we have clocked over 30 odd days of lost employment-not including all the extra cost when we were without two of the appliances so its been a costly affair for us being customers of Indesit- This week I’ve written to Indesit asking that it be resolved within two weeks (i.e. replacement machine & monies owed) or small claims procedures will be issued. So waiting to hear back- if at all from them- two weeks and counting!! I also wrote to the MD of D& G to inform him of the matter and included copies of service carried out on the machine since they only have record of one (?) so just waiting for their next move……… or lack of……… Is anyone else having a similar experience with this company??