Alliance And Leicester Internet Banking www.alliance-leicester.co.uk Review

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Alliance And Leicester Internet Banking www.alliance-leicester.co.uk
1.1 stars
Average rating for this product is: 1.1 out of 5

From 15 ratings and 109 reviews

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shakytumbleweed's Review of Alliance And Leicester Internet Banking www.alliance-leicester.co.uk

2nd Oct 2009

Overall Rating

1 stars
  • Value for money
    1 stars
  • Ease of Use
    2 stars
  • Used service for
    1 year and over

I would not recommend this bank to an enemy let alone a friend!

Recently moved to work overseas. Due to trying to manage with the move and transferring finances over to UK my bank account exceeded my O/D limit by GBP 42.28 but was brought back within terms within the month. A&L have now levied GBP 249.00 worth of default charges for the period 1 August 2009 to 15 September 2009!

These charges are disproportionately high and therefore in breach of the Unfair Terms in Consumer Contract Regulations 1999.

The specific breach of unfairness comes under Schedule 2(e) of the regulations, which state that 'a term is unfair if it requires any consumer who fails to fulfil his/her obligation to pay a disproportionately high sum in compensation'. In this instance Alliance and Leicester has charged me an amount which is not proportionate to the amount borrowed. It is clear that their charges do not reflect any actual and or real loss.

I will be claiming these fees back from them but this is a long laborious process I'm told. Don't make my mistake, just avoid A&L!

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