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)


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Thread: A & L Overdraft

  1. #1
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    Mrsmancmonkey Novitiate

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    Default A & L Overdraft

    Afternoon

    I was waiting for the outcome of the OFT case as per their letter. Basically I had an overdrafticon of £350 which was the amount I was claiming back in charges. I stopped using the account and each month they've added on £10 (overdraft fee and interest) I am now nearly up to the limit £500.... my question is can I take A&L to court or will it be stayed until the outcome as Im concerned that in the end I will owe them money.

    I will be claiming the extra they have put on since the announcement but am concerned that once it hits £500 they will add on £12 which it appears is acceptable

    Thanks in advance

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    Me
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    Sister
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  2. #2
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    Default Re: A & L Overdraft

    Hi, Keeksta1976.

    I would take it as far as you can, yes your claim will be stayed but you want to be in the queue when they come round to paying out.

    Oh, and the £12 is not acceptable


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    Scott.

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  3. #3
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    Default Re: A & L Overdraft

    Right I may as well get the ball rolling and do it through the courts then, was going to continue through the Ombudsmanicon as its freemans, but sod it you're right, Ive helped everyone in my family get theirs back but left mine til last stupidly!!

    You're right about the 12 quid too!!

    Thanks for your advice

    Me
    A&L - Overdraft / Charges On Hold £300

    Mum v's the DCA
    NatWest. No CCA - For around 6 months no DCA has chased for this amount
    MBNA. No CCA - First Court Claim Panicking. Just about to start the small claims
    Lloyds TSB. Overdraft / Charges On Hold Waiting for test case

    Sister
    Halifax - No CCA. Keep getting the man and his dog chasing, again the 'go away' letter is sent
    M&S - Have CCA. Nothing for 2 years from anyone?!
    Argos - No CCA or DCA involved for over 2 years now
    Next - No CCA or DCA involved for over 2 years now
    4 x Others accepting token payments of £1 as CCA in place.


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