Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    crugga Novitiate

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    Default Crugga vs Alliance & Leicester WON!

    This was PPIicon btw and not bank charges, thought i'd add this to save confusion as its been moved to here.

    Not in court but still won.
    Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed
    They Replied saying you knew what was included, was explained etc.
    Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.
    Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.
    No admission of liability just on a goodwill basis.

    Thanks to this site and the other which i'll thank in a mo. This will make such a difference. contributionicon on the way next month.

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  2. #2
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    hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury's Avatar

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    Default Re: Crugga vs Alliance & Leicester WON!

    Quote Originally Posted by crugga View Post
    Not in court but still won.
    Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed
    They Replied saying you knew what was included, was explained etc.
    Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.
    Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.
    No admission of liability just on a goodwill basis.

    Thanks to this site and the other which i'll thank in a mo. This will make such a difference. contributionicon on the way next month.
    Excellent new Crugga, well done, it does pay off to pursue them

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  3. #3
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    Default Re: Crugga vs Alliance & Leicester WON!

    Congratulations Crugga, your news is great encouragement to many of us who are having nightmares thanks to Alliance & Leicester.


  4. #4
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    Thumbs up Re: Crugga vs Alliance & Leicester WON!

    Congratualtions Crugga, your story is an inspiraton to many of us who are having nightmares thanks to Alliance & Leicester!!:grin:


  5. #5
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    Default Re: Crugga vs Alliance & Leicester WON!

    Cheers, I can honestly say it was a great feeling, wasnt the money just getting 1 back on a bank. In all fairness A & L acted very proffesionally with the complaint and stuck to timescales, treated me fairly and added the refund to the balance within a week with no chasing up.


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    Default Re: Crugga vs Alliance & Leicester WON!

    Glad you won.

    My wife and I sued Alliance and Liecester not because of the unfairness of bank charges but because they introduced a rediculous £5 charging per day. We issued claims back for these charges total via our local county courticon (MCOL stays all applications), Acknowledgement of Service received by no defence issued so won by default. They paid up after two weeks after I warned them that we may send in bailiffs. Total £370 recovered. Next for Barclays, Lloydsicon etc.



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