prelim letter to A&L

[justustwo1965]

hi all, hope your all winning against those ******!.

Ok got my list of charges for my premier account (3yrs worth)thru last night and went thru them and i have only got £200 which i got over the last 4months.

They had already given me a goodwill gesture payment of £100 (which would have put the charges up to £300 total).

I have copied the prelim letter and edited in the relevant account details/names etc and have also printed out the spreadsheet for a list of charges (8 charges of £25).I did bother to add any of the contractual overdraft interest for the period as it was more hassle than it was worth,I hope this was ok ?

The main thing i want to ask is I had been getting charged £5 per month for several months because I was not crediting the account with the £500 minimum funding.

After looking at all my statements I found there was one month where I had credited £490 (in small credits) to my account and still received a £5 under funding fee . I am also putting this £5 fee on my list of re-claimable charges as I also received two unauthorised O/D charges (of £25 each)for that month which I feel I could have been used to credit my account beyond the £490 that I had already credited.

Does anyone think that was a bad move ?.

I did consider trying to reclaim 5 lots of these £5 charges going back to when they first charged me an unauthorised O/D (£25) charge , because i could argue that the £25 they stole from me could have been constantly reinvested in £25 sums up to the £500 minimum funding limit .If anyone feels this would still be legitimate please let me know as I wont send my letter off till 7pm tonight.

Sorry for the rush guys

[Lil]

Hi, good luck, sorry i can't answer this for you as not sure where they stand with the £5 charge. Just thought i'd reply to bump this thread so someone else may be able to answer it for you.