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.
after being on hold for 35 mins to credit control i have managed to speak with someone at A&L, i asked them when my wage would be returned to my employer so i could have it paid into different bank account, she told me that my account was in credit now and they could reopen it. she said it was only closed yesterday( even though my wage went in on friday gone, they cancelled all my DD,s and sent letters to these companies, and i have letter dated 19th march saying account now closed) im furious that they have had my wages in there since friday but i have been unable to access any money, and ive taken time off work to sort out finances with the direct debits they cancelled and sort new bank account. When were they gonna tell me that they were holding my wages there? I cant believe the inconvenience this has caused. ive had to say yes to them opening my account back up as i need to pay important bills. to add insult to injury they have said i wont be able to withdraw any monies until tomorrow, to give them time to activate my account, my account has been in credit for over a week but ive not been able to access this, they sent me a letter saying i tried to withdraw money or use my card it would constitute theft, is that not what they have just done by holding monies belonging to me?
i also forgot to say that when i spoke with A&L earlier i was told that a direct debit had been paid yesterday, even though i have letter stating all direct debits were cancelled on 19th march, so now this has been payed twice as i had to get my partner to use debit card yesterday. if my account was closed yesterday how could they have paid a direct debit.?
As I said on your other thread I would write a complaint to their legal department and once you get a final response put in a complaint to the fos.
A&L think they are a law unto themselves and need taking down a peg or two!
When they did this to me they told me I had to pay in £75 a month for 6 months, although I owed them nothing and then I could ask for the account to be re-instated!
I have complained very strongly and FOS phoned me today to say that the complaint was now being dealt with.
PS. If you write and complain and after 8 weeks they have not answered it you can then put in complaint to FOS
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!!!!
I agree with Midge 100%, you need to get your complaint(s) in ASAP and pull no punches. A+L treat their customers with absolute contempt as we are all now painfully aware, and it is time the fos etc got medieval on their asses.
Loz
I hate Alliance + Leicester
BT: No longer a customer
HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08
MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08
NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided
im very confused now, ive recieved a letter from A&L today saying " thank you for clearing overdrawn amount" ( which was £80 of charges they put on account) We have now closed your account" . They told me yesterday they were opening it again so i have rang all relevant people to set up DD,s again. dont know where to start with complaining to them, im really confused myself now.
how can A&L get away with this
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