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 there just to let you all know ive sent a letter to a+l asking for last 6 yrs worth of charges as i have no record of these,just waiting to hear from them now will let you know how i get on.
yeah im new been looking in here for a while but just decided to send the letter im getting a little nervous as i dnt know what the reply will be, but hey wot have i got to lose
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
ive got two other accounts that are free at the moment with other banks i may sound thick but what is a dpa ,Idont want statements just charges,do they still charge £10 for that,i didnt know,where will i find info on dpa
Under the Data Protection Act (DPA) they must supply you with a Breakdown of charges levied against your account for the last 6 years. The template is in the Bank templates library. They have 40 days to comply. You then add up the charges and send a preliminary letter asking for your money back. They tell you to bog off and you then send a letter before action (also in the library). After that you file a claim if they haven't paid up at that point (and don't forget the 8% interest you're entitled to add at that point). You'll get lots of advice here so anything you're not sure about just ask. Good that you have other accounts. Do send the DPA letter, though, and then you can be sure that you are claiming for the full amount that they owe you. Good luck.
hello DPA stands for data protection act, you are entitled to get all your statements back for a £10 fee, there is a standard letter which you can copy in the templates section. You should also ask for the details of any manual interventions that may have been done on your account as the banks can claim these as legitimate charges. (If they have phoned you etc)
I am just a beginer myself but if you read the FAQS and take the advice given then you will win through in the end. Hilary
Fingers crossed for you. Spend the time you are waiting getting really familiar with everything, because the more you understand it, the less frightening it all is.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
well now im just sitting back and waiting hehe,when my statments come can any1 tell me wot im claiming for,am i claiming for everything or everything but monthly charges of £25.00,thats made when they pay a cheque or dd ,they charge me 25.00 for dd and 34.00 for paid cheque also 25.00 on 25th of the following month(im sure there allowed that charge though)as they write and tell you and give you notice of it coming out,cnt wait to get them back,but im scared aswell hehe
Hi Every one, I am new to claiming charges and have been robbed by the banks for years. Now its time to fight back. I am going the whole hog, i have about 5 banks that i need to deal with. I have also spread the word about it to friends etc who are also very interested in getting their money back. The more people who fight the more the banks quake in their boots.
So far when dealing with bank staff, they seem so defendent of the banks profits as if it were their own money, yet two years down the line they are out of a job because the greedy profit making banks have shed jobs, as usual for more profits and replaced staff with automated voice machines or for staff in a call centre across the other side of the world (who i can't understand, no offence). Even their jobs will be on the line when banks move the call centres to China, even cheaper labour and more profits to the banks. Only a matter of time when they get sheep trained to speak and do the job.
yes I do agree with you. I hate the Indian call centres and the "English" names they use, When they ring up now and say its Paul Smith or something, I just say, well you have started off by lying to me so why shoud I listen to anything else you have to say! I wrote to com plain to one as their English was so poor I could only make out the odd word. I said its not being racist just practicle, I would not employ a one legged footballer so why do you employ peeps with poor English to speak on the phone!
just a quick update a just about ready to file a claim online against a+l as they say charges are lawful and all that best £120 im gunna spend in a long time im nervous though but claiming £2570 as they have charged me again another 100.00 so adding that on too now wish me luck will let you know my claim number as soon as i know
sent my letter requesting charges
worth of charges as i have no record of these,just waiting to hear from them now will let you know how i get on.
The Consumer Forums
Reply With Quote
Re: sent my letter requesting charges
Re: sent my letter requesting charges
Re: sent my letter requesting charges
Re: sent my letter requesting charges