Alliance & Leicester loses my money, adds £100's in charges, ruins my credit score, finds my money and then serves me no

[iconmaf]

Basically, my bank lost my money and it’s costing me dearly!

I am currently out of work but manage to scrape enough money by each month to put into my bank to cover my outgoings. But Alliance and Leicester don't have a branch in my home town of Banbury so I have to pay money in at any post office.

I paid £200 into my account via a local village post office on the 2nd of March but it never made it to my account. The error caused all direct debits to be declined by my bank resulting in charges both from my creditors and the bank. These charges then pushed my account over its agreed overdraft limit. On the 27th of March the bank found my money and credited my account but they have not taking any action to rectify any of the charges that themselves and my creditors have charged me or the huge amount of damage done to my credit score, which I think is ruined!

The massive amount of fees that the bank has charged me, and continues to add, has put me well beyond my agreed overdraft limit and is placing a huge burden on me financially. As I am currently out of work I am just about affording to pay my monthly bills but since they lost my money and added all these charges, even though it is their entire fault, I cannot afford to pay both them and my creditors.

I have tried to reclaim my charges and filled in the appropriate paperwork but instead of them taking action they have sent me a letter saying they never got it along with another set of forms to fill in.

To top it all off today they sent me a letter titled ‘DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974 stating that if I do not bring my overdraft down by tomorrow they will take action. This is totally unfair and unreasonable! My account is only over its limit because of them losing my money and the ridiculous amount of charges they’ve added and secondly sending a letter that arrives on the 7th and states I have to pay in funds by the 8th is not really giving me much time!

This whole situation is becoming very stressful and Alliance & Leicester seem more interested in charging me more fees and causing me more stress than actually fully correcting their mistake! It’s now gotten to the stage where they are driving me towards bankruptcy.

What should I do?

[PGH7447]

Change banks then start the reclaim for all the unlawful charges

[foolishgirl]

Originally Posted by iconmaf

I have tried to reclaim my charges and filled in the appropriate paperwork but instead of them taking action they have sent me a letter saying they never got it along with another set of forms to fill in.

To top it all off today they sent me a letter titled ‘DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974 stating that if I do not bring my overdraft down by tomorrow they will take action. This is totally unfair and unreasonable!

Send a Subject access request request if you don't already have all the statements:

http://www.consumerforums.com/resour...-request-.html

Send Rec. Del. Cost £10.00

then start reclaiming all your charges using this advice:
http://www.consumeractiongroup.co.uk...se-read-these/

Default Notice is invalid - they haven't complied with the statutory time limits - so if they start legal action on the back of this, they would have mega problems. However keep the notice & the envelope if you haven't already thrown it.

Make sure you open an account with another bank immediately.

[iconmaf]

I sent a 'Subject access request' already before this all started and I also applied to open another bank account elsewhere. Problem is that they have screwed my credit rating up so much that there is the risk of other banks not accepting me. I am currently using the girlfriend account.

Spoke to citezans advice just now and they are going to make calls in the morning but how do I sort out my credit score?

[PGH7447]

depends on whats on it

[jj69]

Originally Posted by iconmaf

I sent a 'Subject access request' already before this all started and I also applied to open another bank account elsewhere. Problem is that they have screwed my credit rating up so much that there is the risk of other banks not accepting me. I am currently using the girlfriend account.

Spoke to citezans advice just now and they are going to make calls in the morning but how do I sort out my credit score?

If it's any help my credit rating is appalling but have managed to get two basic accounts with lloyds and Halifax both with internet banking.Lloyds I did via branch with Halifax online about three weeks ago and got all documents and ATM card within about two weeks and that's with about 3 defaulted loans and two previous closed bank accounts in my case...