New here and in need of help!

kalijack · 3rd July 2009, 15:19

Hello

I found this forum whilst looking for info on something else, but I see you have a section on Alliance & Leicester.

I have a current account with them. Every time they pay a direct debit autolinker.com autolinking image

and it makes my account go over my overdraft limit (even if its only by a few pennies) they charge me £25, which makes me go even further overdrawn. They then charge me £5 for every day my account is overdrawn, until I can pay some money back in. As I am on incapacity benefit, this is making things really tight for me, and sometimes have to live on just toast.

Is there any way I can stop them from charging me? I have heard a bit about people claiming back bank charges autolinker.com autolinking image

, but I thought that was stopped now.

Please help, I am desperate. I'm also being chased by a debt collection autolinker.com autolinking image

agency, I wrote about that on another thread

maroondevo52 · 3rd July 2009, 15:29

Hello and Welcome, kalijack.

You can still re-claim the charges, have a look at this 'link'..........

http://www.consumeractiongroup.co.uk...tructions.html

Claims are being 'stayed' by the courts at the moment, but it's best to get your claim started.

Regards.

Scott.

kalijack · 3rd July 2009, 15:32

Thank you! I will get on to this straight away!

postggj · 3rd July 2009, 15:33

If The Money Going Into Your Account Is From The Goverment
Thats Any Sort Of Benefit

Banks Are Not Allowed To Touch It, Period

I Know There Are Some Threads On This Matter But As Not My Area, Have Not Booke Marked Them

If Any Body Can Help Out This Cagger On The Relevent Threads As She Can Use The Letters To Get All Her/his Money Back

kalijack · 3rd July 2009, 17:32

Quote:

Originally Posted by postggj

If The Money Going Into Your Account Is From The Goverment
Thats Any Sort Of Benefit

Banks Are Not Allowed To Touch It, Period

I Know There Are Some Threads On This Matter But As Not My Area, Have Not Booke Marked Them

If Any Body Can Help Out This Cagger On The Relevent Threads As She Can Use The Letters To Get All Her/his Money Back

Yes all I have going in is Incapacity Benefit and Disability Living Allowance. I've been told that I shouldn't include DLA when writing to my creditors though. Oh and I'm female BTW

Sometimes I've had friends and family bail me out so that I don't incur further charges though. Not sure how this is accounted for.

toasted · 4th July 2009, 23:10

Hi Kalijack,
I would advise you to cancel all your direct debits to stop you going overdrawn and pay your bills another way. The Citizens advice bureau are excellent at helping with debt and will write to companies on your behalf. Good luck

postggj · 5th July 2009, 09:03

to begin with i would open up a parachute account autolinker.com autolinking image

try the co op

have all your benefit paid into that to stop a&l getting there mitts on it

kalijack · 5th July 2009, 12:24

Quote:

Originally Posted by postggj

to begin with i would open up a parachute account autolinker.com autolinking image

try the co op

have all your benefit paid into that to stop a&l getting there mitts on it

Good idea, I will get on to that straight away.

How long do banks usually take to reply to the request for info letter?

postggj · 5th July 2009, 12:25

a Subject access request autolinker.com autolinking image

, the creditor has up to 40 days to comply

kalijack · 10th July 2009, 10:48

I am really upset.

I got my bank statement today and they are charging me £80 this month for going overdrawn. The reason I went overdrawn in the first place was because they charged me last month. I feel as this is getting out of control.

I've already opened a new basic account and getting my benefits paid into it, and they are in the process of transferring all my direct debits.

They still haven't replied to my request for info.

charleyfarley · 11th July 2009, 15:10

Quote:

Originally Posted by toasted

Hi Kalijack,
I would advise you to cancel all your direct debits to stop you going overdrawn and pay your bills another way. The Citizens advice bureau are excellent at helping with debt and will write to companies on your behalf. Good luck

kalijack,

this is excellent advice, keep your dd's to the bare minimum, and away from your parachute account autolinker.com autolinking image

. Get your benefits paid into the parachute account autolinker.com autolinking image

and then you can manage your money better. It means transferring money across from one a/c to the other regularly, but it puts you back in control of your money

kalijack · 23rd July 2009, 14:57

Update on my situation. A&L have still not replied, and have, in fact, applied further charges, which has made me even more overdrawn, to the extent that I cannot afford to bring my account back into my credit limit. They are also charging me £5 per day for each day that this situation continues, which means that my debt is going to get bigger and bigger, and even now is practically unmanageble

I have opened a basic account elsewhere, and cancelled all my DDs with A&L.

Is there any way for them to freeze the ongoing daily charges, until this situation gets resolved?

Should I come to some agreement about bringing my account back into credit? Or should I go ahead and reclaim my charges, if and when they actually supply me with the info I requested?

Thanks to everyone who has helped me so far.

**Tilly** · 23rd July 2009, 17:35

Hi kalijack

It is best if you keep your posts to the one thread, that way they can't get lost

If you don't recieve your statements and data by the 40 days send the non compliance.

http://www.consumeractiongroup.c o.uk...n-act-non.html

maroondevo52 · 23rd July 2009, 17:45

Two threads merged

**Tilly** · 23rd July 2009, 17:54

kalijack · 23rd July 2009, 19:06

Thanks, sorry bout that.

postggj · 23rd July 2009, 19:09

as not to hijack this thread
does anybody know the legality of these so called SERVICE CHARGES

can they be reclaimed just like the penalty charges in the past

keep it brief please

kalijack · 27th October 2009, 12:38

I got the ball rolling, got all the info I needed from A&L and sent them the 14 day letter requesting that they pay back the charges. I've received a lengthy reply from them today saying they are not going to do anything until the test case autolinker.com autolinking image

is resolved, and if I do put in a court claim for the fees, they are going to apply to the court for a stay. What should I do now?

hilaryfrances · 28th October 2009, 13:12

hello Kalijack I am so sorry for the position the bank leaves you in every month, pople who have not been in this situation do not understand how it snowballs and you get left in a right mess. As far as I know the banks are not allowed to take charges from benefits. I should contact the CAB if I were you as suggested.

3rd July 2009, 15:19	#1 (permalink)
kalijack Basic Account Holder Try our eBay sniping service Cagger since : Jul 2009 Posts: 17	New here and in need of help! Hello I found this forum whilst looking for info on something else, but I see you have a section on Alliance & Leicester. I have a current account with them. Every time they pay a direct debit and it makes my account go over my overdraft limit (even if its only by a few pennies) they charge me £25, which makes me go even further overdrawn. They then charge me £5 for every day my account is overdrawn, until I can pay some money back in. As I am on incapacity benefit, this is making things really tight for me, and sometimes have to live on just toast. Is there any way I can stop them from charging me? I have heard a bit about people claiming back bank charges, but I thought that was stopped now. Please help, I am desperate. I'm also being chased by a debt collection agency, I wrote about that on another thread

3rd July 2009, 15:29	#2 (permalink)
maroondevo52 Site Team Try our new digital signature service Cagger since : Jun 2006 I am in: Edinburgh Posts: 13,011	Re: New here and in need of help! Hello and Welcome, kalijack. You can still re-claim the charges, have a look at this 'link'.......... http://www.consumeractiongroup.co.uk...tructions.html Claims are being 'stayed' by the courts at the moment, but it's best to get your claim started. Regards. Scott. __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. Bank of Scotland ( Business Account ) Small Claim. Total: £1,027.70 Settled in Full.(October 2006) Capital One Bank (Europe) plc Summary Cause Claim. Total : £1,111,94: Settled in Full. (February 2007) Bank of Scotland (Business Account) Summary Cause. Total: £1,051.60. Settled in Full (April 2007) Bank of Scotland (Business Account) FOS Claim. Total: £4,945.00. Settled in Full (March 2008.

3rd July 2009, 15:32	#3 (permalink)
kalijack Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Jul 2009 Posts: 17	Re: New here and in need of help! Thank you! I will get on to this straight away!

3rd July 2009, 15:33	#4 (permalink)
postggj Royalties Account Holder We need funds Please donate something Cagger since : Aug 2007 Posts: 14,447	Re: New here and in need of help! If The Money Going Into Your Account Is From The Goverment Thats Any Sort Of Benefit Banks Are Not Allowed To Touch It, Period I Know There Are Some Threads On This Matter But As Not My Area, Have Not Booke Marked Them If Any Body Can Help Out This Cagger On The Relevent Threads As She Can Use The Letters To Get All Her/his Money Back

4th July 2009, 23:10	#6 (permalink)
toasted Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jul 2009 Posts: 41	Re: New here and in need of help! Hi Kalijack, I would advise you to cancel all your direct debits to stop you going overdrawn and pay your bills another way. The Citizens advice bureau are excellent at helping with debt and will write to companies on your behalf. Good luck

5th July 2009, 09:03	#7 (permalink)
postggj Royalties Account Holder Is your bank avoiding its debts Data disclosure poll Cagger since : Aug 2007 Posts: 14,447	Re: New here and in need of help! to begin with i would open up a parachute account try the co op have all your benefit paid into that to stop a&l getting there mitts on it

5th July 2009, 12:25	#9 (permalink)
postggj Royalties Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Aug 2007 Posts: 14,447	Re: New here and in need of help! a Subject access request, the creditor has up to 40 days to comply

10th July 2009, 10:48	#10 (permalink)
kalijack Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Jul 2009 Posts: 17	Re: New here and in need of help! I am really upset. I got my bank statement today and they are charging me £80 this month for going overdrawn. The reason I went overdrawn in the first place was because they charged me last month. I feel as this is getting out of control. I've already opened a new basic account and getting my benefits paid into it, and they are in the process of transferring all my direct debits. They still haven't replied to my request for info.

23rd July 2009, 14:57	#12 (permalink)
kalijack Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jul 2009 Posts: 17	Update on my situation with A&L Update on my situation. A&L have still not replied, and have, in fact, applied further charges, which has made me even more overdrawn, to the extent that I cannot afford to bring my account back into my credit limit. They are also charging me £5 per day for each day that this situation continues, which means that my debt is going to get bigger and bigger, and even now is practically unmanageble I have opened a basic account elsewhere, and cancelled all my DDs with A&L. Is there any way for them to freeze the ongoing daily charges, until this situation gets resolved? Should I come to some agreement about bringing my account back into credit? Or should I go ahead and reclaim my charges, if and when they actually supply me with the info I requested? Thanks to everyone who has helped me so far.

23rd July 2009, 17:35	#13 (permalink)
Tilly Platinum Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Apr 2007 I am in: Northamptonshire Posts: 6,621	Re: Update on my situation with A&L Hi kalijack It is best if you keep your posts to the one thread, that way they can't get lost If you don't recieve your statements and data by the 40 days send the non compliance. http://www.consumeractiongroup.c o.uk...n-act-non.html

23rd July 2009, 17:45	#14 (permalink)
maroondevo52 Site Team Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jun 2006 I am in: Edinburgh Posts: 13,011	Re: New here and in need of help! Two threads merged __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. Bank of Scotland ( Business Account ) Small Claim. Total: £1,027.70 Settled in Full.(October 2006) Capital One Bank (Europe) plc Summary Cause Claim. Total : £1,111,94: Settled in Full. (February 2007) Bank of Scotland (Business Account) Summary Cause. Total: £1,051.60. Settled in Full (April 2007) Bank of Scotland (Business Account) FOS Claim. Total: £4,945.00. Settled in Full (March 2008.

23rd July 2009, 17:54	#15 (permalink)
Tilly Platinum Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Apr 2007 I am in: Northamptonshire Posts: 6,621	Re: New here and in need of help! Ta

23rd July 2009, 19:06	#16 (permalink)
kalijack Basic Account Holder Protect your signature with SignGuard Cagger since : Jul 2009 Posts: 17	Re: New here and in need of help! Thanks, sorry bout that.

23rd July 2009, 19:09	#17 (permalink)
postggj Royalties Account Holder Give yourself a better chance with our claims guides and litigation kits Cagger since : Aug 2007 Posts: 14,447	Re: New here and in need of help! as not to hijack this thread does anybody know the legality of these so called SERVICE CHARGES can they be reclaimed just like the penalty charges in the past keep it brief please

27th October 2009, 12:38	#18 (permalink)
kalijack Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Jul 2009 Posts: 17	Re: New here and in need of help! I got the ball rolling, got all the info I needed from A&L and sent them the 14 day letter requesting that they pay back the charges. I've received a lengthy reply from them today saying they are not going to do anything until the test case is resolved, and if I do put in a court claim for the fees, they are going to apply to the court for a stay. What should I do now?

28th October 2009, 13:12	#19 (permalink)
hilaryfrances Basic Account Holder eBay user? Find misspellings and zero-bid items Cagger since : Jun 2006 I am in: I live in Sin Posts: 730	Re: New here and in need of help! hello Kalijack I am so sorry for the position the bank leaves you in every month, pople who have not been in this situation do not understand how it snowballs and you get left in a right mess. As far as I know the banks are not allowed to take charges from benefits. I should contact the CAB if I were you as suggested.