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 all thought i'd try and reclaim my funds from alliance and leicester. I've been reading through some of the threads and it does seem a little confusing and scary, but im giving it a go. I will be sending my preliminary approach letter on Monday.
In the mean time, spend some time reading the FAQs and the step by step guide. That will answer most of your initial questions.
If you need any help, just post on this thread.
Rooster.
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I recieved my reply from A&L yesterday i think due to the postal strike because it was dated 10th Oct, it sounds like the standard letter that others have recieved. Im not sure whether i still continue with the action and send lba even though most cases are being stayed? can someone let me know whether i still carry on with the process or am i suposed to wait?
yes carry on with your claim send your lba giving them a further 14 days stick to the timescales when your 14 days
are up you can file your n1 then your claim will be in the system
I sent my lba on the 29th oct but i forgot to send it by recorded delivery, i havent recieved a reply from alliance and leicester at all. Do i go ahead and complete the N1 form or do i need to send LBA again by recorded delivery so that i have proof that i sent it???
thank you, sorry for late reply having computer trouble. Will try and get N1 form sorted by end of the week, i kow i'm out of my time scale but i dont think it will make much difference.
Been sooooooo broke with all these extra charges being added to my account so haven't applied to courts yet because of needind to pay the extra fee for court. Can some one let me know if i have to apply to the courts with an N1 form or MCOL form on line, im a little confused.
If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim.
Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised.
Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway.
OFT TEST CASE: Following the announcement by the OFT, as from August 13th, all bank charge claims filed at MCOL are being automatically stayed. Therefore it is advisable only to file a claim using N1 at your local court
I began trying to reclaim my charges last year, i got up to the stage where i file to court but been quite broke so have been unable to do my MCOL yet. Does any1 know if i have to start again or can i pick up where i left off. It wont be until next mth however cause im still broke. Oh and does any1 know if i can recalim the £5 per day charges because at 1 point i was charged £160 over 30 odd days i think cant remember.
Please some 1 shed some light, alliance & leicester owe me over £1000
Here goes....
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