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.
Just won ongoing dispute with A&L who sent threat letters for a total sum of £478.31.
Short story is I was OD by £6.31 at beginning of Jul 07 after all my bills had been paid, had no more money to put into account for 1 remaining direct debit, asked A&L for temp overdraft. Suprise they said no.....
Direct debit comes into collect funds it bounces and incurrs charge of £34, A&L asks them to collect again in 7 days incurred further charges, £34 charge again.
So by end of July I'm £289 OD all charges, I changed tactics got my wages put into another account with Barclays.
A&L phone me asking where all my DD's and wages had gone because I was £289 OD. I kindly informed them I had no intention of paying their charges anymore as I was going around in circles paying charges every month, it was getting to the point where I could not afford my mortgage.
Anyway they kept on with harrassing phone calls and letters threatening legal action. I told them to take me to court and see how silly they looked when the Judge finds out I was only £6.31 OD and how I accrued charges of £472.
final demand comes through post for court action, they phoned me I explained why I still wasn't going to pay the charges but was willing to pay £6.31 which I was originally OD. They tried bully tactics, I stuck to my guns and they said they will write off all charges.
A result for the little people I believe........
Show them the error of their ways and come around to your way of thinking!
ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:
DO NOT say you are from CAG-only directly affected or a concerned citizen. 1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633 2. CH : Lee Jenkins(prosecuting Amany Attia for SPML/PML) @ 02920 380 643 3. CH : Mark Youde(accounts compliance) @ 02920 380 955 4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 5. CIB : Jeremy Pilcher('unofficial'-consumer/company law) : @ 0207 637 6231
__________________ File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!
The A&L wil push you to the limit - so well done for sticking to your guns!
Jan
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
Alliance & Leicester V Sit 9191 (won Battle)
, asked A&L for temp overdraft
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