My A&L Hell!

[thumbell]

I have been cahrged nearly £200 in the last couple of months by Alliance & Leicseter and despite me filling out thier Financial Harship Form, apparently they will not consider my application. Thier response was to withdraw my overdraft. Grrr.

 

I have made an attempt to contact the ombudsman but as A&Lrefuse to issue final response letters until the decision of the infamous test case, and are not regulated on how they decide financial hardship then I am screwed really.

 

God I hate them and I hate that there's nothing I can do. I only switched to them becasue LLoyds TSB put on £175.00 of charges that tehy could not explain. And now I can't change my bank again or my credit history will be even worse.

 

All my sypathy goes out to fellow victims of this building society.

[Guest Old_andrew2018]

I would still write to the FOS with your complaint

[thumbell]

have done but not going to hold my breath

[HSBCrusher]

yeah, I know how you feel.

 

just discovered they have charged me about £100 for nothing... charges on charges.

No payments gone out recently... just they took a £5 "underfunding" fee, there wasnt quite enough to cover it... hey presto £100 in charges.

 

for a service?

 

what? I have not spent anything. No cheques, no DD, nothing.

 

I'll be sending anothe letter to the FOS... but one wonders if I would be better sending one to santa...

[hilaryfrances]

Seems like the barstewards have found a novel way of getting round the credit crunch.

Rob from the poor to give to the rich

 

Robin Hood in reverse

[sea-sidelady]

I have been cahrged nearly £200 in the last couple of months by Alliance & Leicseter and despite me filling out thier Financial Harship Form, apparently they will not consider my application. Thier response was to withdraw my overdraft. Grrr.

 

Are you continuing with your claim? Just because they said tough, doesn't mean you stop. Carry on with it. Did you send the financial hardship from here? It is also always a good idea to include proof of hardship with your expenditure sheet.

You don't say how far into your claim you are, but carry on with your prelim and lba letters, and if you don't get any response, file at court.

[HSBCrusher]

Are you continuing with your claim? Just because they said tough, doesn't mean you stop. Carry on with it.

absolutley.

[wilsikon]

Can someone help me please? I started a case against A&L ages ago to reclaim over £6000 in bank charges on an account which they closed on us in November 2005, it got to court last year and was stayed pending the Test Case. We have recently hit very hard times as we all have and I decided to persue my case on grounds of financial hardship, I filled out all the spreadsheets and today got this response:

 

'our records confirm that account facilities were withdrawn in November 2005 and no fees have been applied to the account since that time. Whilst we acknowledge your current hardship and that your reasons for requesting a refund of fees appllied to your account in the past are reasonable, we hope you will understand that we are unable to consider matters further until the outcome of the test court case is known'

 

So they acknowledge we are a hardship case but refuse to do anything about it. Is there anything I can do?

[sea-sidelady]

You would need to apply to the court to get your stay lifted.

[wilsikon]

Ok, how do I do that? I also need to change the POC as apparently when it went to court Wragge pointed out I had filed the court papers in my name but the account was in both my name and my husbands ( I filed it in my name because there is nowhere to put two names on the online court claim form) and I also need to change the address as we have moved, do you know the form number for that? I am sorry to be a pain!