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.
I am new to this site and been reading loads of posts on here. I am just about to send the first letter to the A&L to get my bank charges back. Luckily I have got all of my bank statements - didn't realise how much these £25 here and there charges each month all add up to!!!
I am assuming that all the dates given for the A&L to reply back have no changes to them, taking into consideration the test case etc ... Will stick to the timetable outlined.
Just interested to hear if many managed to get their charges back from the A&L without going to court?
Hi
I am new to this site too. I have already written to A&L and they have put my claim on hold. Do I have to go through the courts or wait for the bank to let me know what are their intentions?
Continue with your claim, all the way to court. Don't wait for the bank telling you when you can claim, stick to your timetable, your claim will more than likely get 'stayed' but you want to be in the system
You should start your own thread in this forum and people will help you with your claim, keep it updated with any news.
Have a look at the step-by-step in my post above, and stick to it.
Regards.
Scott.
Any advice I give is honest and in good faith.
If in doubt, you should seek the opinion of a Qualified Professional.
If you can, please donate to this site.
Help keep it up and active, helping people like you.
If you no longer require help, please do what you can to help others
I am getting my first letter all ready to go to A&L tomorrow. Meant to do this the other day but work got in the way!! Will keep you posted on what happens. Do I include interest in the money being claimed back?
I can't believe this ... last week I received a letter from A&L stating that I hadn't enough funds in my account to pay £42 cheque that I had written for the pleasure of this they had charged me £25, which immediately went out of my account. I immediately looked at my bank account on line and realised that I was still way within my overdraft limit, £300 within, so not even close. I phoned up A&L and got a really stroppy person on the end of the phone who said that if they were in the wrong they would look into it. "IF" ...!! there was no If about it they had charged me £25 for NO reason. In the end the person on the phone said that they would look into it and it would take about 5 working days for the money to be returned. How can they be allowed to take out my money immediately when they were in the wrong and then take 5 days to get my money re-paid back into my account??? It is so not fair!! I am beginning to really dislike the A&L and this makes me even more determined to get all of my other unfair charges back!
I have read some of your emails on A&L. I have already written to the A&L requesting them to pay the unfair charges. But unfortunately the bank wrote back to say the unfair charges cases are now put on hold. Since my application has been put on hold - do I wait for the banks to get in touch with me again to let me know where I stand with my case or do I have to write to them again. Please kindly advise.
The Bank will fob you off, hopeing you will not continue with your claim, you need to file at court, as when they have to pay out, you will already be in the
queue.
Hi again - works been very manic so I have not yet managed to send the 1st letter but will be doing so by the end of this week as I am being charged more and more Before I do, I just need to clarify what I can claim back. Can I claim the following:
On the spreadsheet of charges that I am putting together am I right in thinking that you can put interest at 8% APR on there as well or is this what I must miss off until it gets filed at court.
Don't know about anyone else but the names for these charges seem to change - is this just to try and catch up out and unaware?!
It's such a horrible feeling when you think you are getting yourself straight and then out of the blue several £25 charges appear taking you beyond where you were in the first place - how I hate banks!!!!!!!!!!!!!!!
Does anyone have any idea when we might start seeing some results and when the hold is lifted?
I have done the first half and then was told by A&L that they are putting it on hold. I am now ready to sent a letter requested them to pay all the bank charges back and if they don't reply within the 14 days, I will resend the letter. After that I will have no choice but to take them to court.
I hope I am doing the right thing. If anyone out there feels that I have to do anymore please let me know.
Yes you are doing the right thing - I should think that we all just need to sit tight. I did successfully get charges back from the HSBC a year or so back - I know it is a scarey thing but well worth it. I just hope that not much has changed since the time I took the last back to court. The HSBC did actually settle before it went to court.
i know what you mean about the part you state in message 11, i had got myself straight and then got further charges, ive now managed to clear the account in full, as i was thinking of closing the account anyway and they decieded to do that first for me, but i paid it all off within the time before a default was issued.
Can i ask if you have claimed for the 5.00 under funding fee, i got some advice since it was a penalty of sorts i should claim it too, as some months i didnt credit it fully, the other charges of 34.00 and 25.00 etc i understand, and am okay with,
please can you let me know as im ready to now send my initial letter - many thanks and keep at it, this forum is so helpful that it inspires and encourages us all to keep the faith.
To be honest I have had a couple of these £5.00 charges too and I have just put it in my schedule of charges - not sure whether I should have or not but hey - its still a charge!! When the bank get the schedule of charges if they dis-agree I'm sure this will be taken account of in their settlement. I wouldn't worry - just include it .... unless anyone else has any other thoughts.
Good luck and get that letter in the post!! registered!
and thanks booberela for replying back, i cant sleep only one in the house hubby at work, and daughter at my sis, so hence the time of night, lol
yes i think will include too, since like you say if it is disputed we can look at the legal aspect later on,
i will send out my letter -the ones ive done for data info ive sent signed for recorded 1st class costs about 1.08 usually and gets the job done so far for me and i can check online at royal mail for the signature.
Hi - Just an update. Two weeks has now passed and I have heard NOTHING from the A&L - not even an acknowledgement!!!!! I am sending my second letter today.
A&L Charges
Reply With Quote
Before I do, I just need to clarify what I can claim back. Can I claim the following: