This topic was closed on 03/07/19. 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

Hi I have filled out my excel spreadsheet with my charges and dates etc. I have now come to the point where I need to fill out the interest (NOT the 8%). I have been whitling away through my nice stack of DPA requested bank transactions and putting them into the spreadsheet. I did a handful then had the niggling feeling I am doing it wrong. Looking at what I am entering goes something like "27/07/2001 charged 1.97 and my balance at that time was -102.32" (not exact or correct format but you get what I am saying). Whats bothering me is, in one month my bank charges have never put me in the overdraft. The bank is charging me negative interest based on my account being in an agreed overdraft. The bank gives me interest when i am in credit, so surely they are right to be able to take the same amount for periods when I am in negative credit. I am unsure if I should be putting these interest payments into the spreadsheet. What criteria do the interest charges apply in these cases, or do you just put in any negative interest charges, that seems a little unfair to be honest ( but I will gladly claim it back ) cheers, P

ok, time to get the ball rolling. Got all my DPA requested info today from the last 6 years (like a yellow pages!). Adding it all up, DD/SO failures, unauthorized overdraughts etc it comes to just less than £2000. I have not added interest to that yet. I will be sending the preliminary letter off now, will post back when that goes. cheers, P

Hi all, well, here goes. I am starting my claim for charges against my account. Due to various reasons over the last few years I have probably built up a healthy amount of debit failure and overdraught charges. I have applied for the DPA papers going back 6 years so I can work out exactly how much I am able to reclaim. I have most of my statements but not from that long ago, so might as well get the full set and do it properly. Will keep this thread updated with any progress good or bad! cheers, Mr H

I know I asked this before but I have seen a few A&L claims on this site that have got to the "we think we are right as we only charged you the published fees" phase, has anybody gone beyond that? Are A&L more difficult in that respect than some others? Thing is, I do like the bank to be honest, they give good service and nice online stuff as well as (usually) helpful 24 hr phone service. I also have a mortgage with them, and am worried if they always end up going to court they might just get stroppy and land me in a pickle. On the flip side, the charges I have incurred over the past couple of years will be quite high, probably > £2000 so I am deffinatly going to do something about it.

the thing I have found with A&L in the past (I have been with them for over 15 years) is that they never yield to pressure (or at least not from lowly customers). Has anybody actually got some money back from A&L?

Yes, the bank is the Allience & Liecester.

yes, my confusion is the agreed fees issue. Is a banks outlined fee for a failed DB due to insufficient funds an agreed fee?

Hi, I read the FAQ but am still a little unsure as to what I can claim back here. I was recently at a company that was fighting to keep afloat and eventually closed its doors leaving me with 5 months outstanding wages and payments I did recieve came much later than normal. During this time I racked up a healthy amount of DB failure charges through simply not having enough cash in the account. This meant that the charges also pushed me over my agreed overdraught limit, incurring more charges, and each month I was starting with less cash as I had to pay the existing charges. One annoying thing was I could pay most of the DB's and would only come up 10 pounds short, but when the charges were applied instantly it meant all other DB's for the month failed, incuring more cost when really only one could have been applied. Some of my DB's couldnt be cancelled (well, they could but I was told I would have to settle the remaining bill in one go, which would put me in a worse position), so I had to basically take the charges and bear it. Could I claim back these charges then, or do they only apply to wrong DB's and errors on the banks part and not for me jsut not having enough cash to pay? Thanks, A