Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi Everyone,
In the course of reclaiming my charges i've sent two letters to A&L, the first was a Data Protection Act request for all my statements. I then totalled up my charges, photocopied and highlighted the relevent statements and sent the copies with a letter requesting the charges to be refunded. In this letter i stated:
"I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning."
I (quite swiftly) received back the A&L standard response claiming that their charges are
'reasonable and competitive with those made by other financial organisations'.
My question is, should i send a LBA (letter before action) before taking court action or will my prevoius letter cover that?
Thanks in advance everyone.
D.
The recommended time schedule is that in FAQ and step by step instructions. That is the tried and tested route by this site - the courts like to see that you have given the defendant adequate time to respond and settle before proceeding to court action.
This is a self help site so the final decision is up to you.But I have read of one case where the court struck out the case as the defendant had not been given sufficient time to reply.
Jansus
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
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offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
D3monik vs A&L
) before taking court action or will my prevoius letter cover that?
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Re: D3monik vs A&L
