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.
Well I've taken the plunge. I already had all my statments from A&L and am sending the first letter requesting repayment of my £463 charges - 14/07/06. Should I send this registered post? Just as an aside, I paid off my overdraft a few weeks back but noticed that when they had charged me previous interest it had taken me over my limit by £1.25! I didn't expect to be charged for this but looking again today realised I'd had £50 charges for the pleasure!!! I've been on the phone today and managed to get these refunded immediately. Little do they know what's on its way to them next
Also, have notice some people have an ongoing bit at the bottom of their threads saying how things are going. How do you set that up? Or do you need to add it every time?
Think I've made a small boo but don't know if it will affect anything in the long run. The LBA sent to A&L should have had 21/07 as the date but I left the date on of my first letter which was 14/07.... I still haven't had a reply from them re this letter. Is it 14 working days I wait or 14 calendar days before action? Do I go ahead with the the claim now or do I send another LBA with the correct date? Thanks
Sazzle v A&L Claiming £463!!!
Request for repayment sent to A&L - 14/07
Standard reply received - 18/07 letter before action sent - 21/07
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
The lba sent to A&L should have had 21/07 as the date but I left the date on of my first letter which was 14/07.... I still haven't had a reply from them re this letter. Is it 14 working days I wait or 14 calendar days before action? Do I go ahead with the the claim now or do I send another LBA with the correct date?
I wouldn't worry too much about the date on the letter, just act as if it were dated the 21st and give them 14 days from then. [Not sure whether it's calendar or working, but think it might be calendar.]
You'd be wasting a stamp if you sent another letter. 8-)
Thanks very much for that, I'll get the claim pack from this site and get underway :grin: I've just heard back from the Halifax too and they're about to send all my statements so should have some interesting reading coming up!
Sazzle v A&L Claiming £463!!!
Request for repayment sent to A&L - 14/07
Standard reply received - 18/07 letter before action sent - 21/07
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9 MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) Morgan Stanley Data Protection Act sent 8/8 Total of £875 charges.
Claim started yesterday - did the money claim online one and after several false starts, finally got underway!
For anyone having problems the address to be used for the Halifax when claiming online is:
Alliance and Leicester Plc, Carlton Park, Narborough, Leicester, Leicestershire, LE19 0AL
Fingers crossed now. Can anyone tell me how long this part takes? Thanks...
Sazzle v A&L!!!
Request for repayment sent to A&L for £463 - 14/07
Standard reply received - 18/07
Letter before action sent - 21/07
Received my small claims pack so here we go - 17/08
Claim agianst A&L started - 21/08/06
Response received saying they will defend - 30/08/06 SETTLED IN FULL £548.48 - 06/09/06
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
Letter received saying statements on way - 11/08
Big pile of statements arrived - 17/08
Request for repayment sent to Halifax for £442 - 17/08
Letter received saying they will reply within 4 weeks - 21/08/06
Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)
hi sara, think you may have got a bit mixed up there. Surely that is the address for Alliance & Leicester not Halifax??
As for how long it takes, i'm not sure but i think its between 1 & 2 weeks. Just filed my moneyclaim yesterday so i'm sat waiting too:-|
A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9 MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) Morgan Stanley Data Protection Act sent 8/8 Total of £875 charges.
Duh! Busy day - course it's the Alliance & Leicester! Not started my Halifax claim yet! Just getting my facts mixed with all the info I'm dealing with Thanks...
Sazzle v A&L!!!
Request for repayment sent to A&L for £463 - 14/07
Standard reply received - 18/07
Letter before action sent - 21/07
Received my small claims pack so here we go - 17/08
Claim agianst A&L started - 21/08/06
Response received saying they will defend - 30/08/06 SETTLED IN FULL £548.48 - 06/09/06
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
Letter received saying statements on way - 11/08
Big pile of statements arrived - 17/08
Request for repayment sent to Halifax for £442 - 17/08
Letter received saying they will reply within 4 weeks - 21/08/06
Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)
My claim was served to Alliance and Leicester on 21/08 and 2 days ago I received details to say that they will put a defence together. Is this normal?
Sazzle v A&L!!!
Request for repayment sent to A&L for £463 - 14/07
Standard reply received - 18/07
Letter before action sent - 21/07
Received my small claims pack so here we go - 17/08
Claim agianst A&L started - 21/08/06
Response received saying they will defend - 30/08/06 SETTLED IN FULL £548.48 - 06/09/06
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
Letter received saying statements on way - 11/08
Big pile of statements arrived - 17/08
Request for repayment sent to Halifax for £442 - 17/08
Letter received saying they will reply within 4 weeks - 21/08/06
Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
They have settled in full!!!!! Arrived home to cheque yesterday evening for £548.48. Will make a donation - I'm soooo excited! Have told everyone at work about it and they're all about to get online and get started too. Up until receiving the cheque I was still a little unsure as to whether I would really get it all back but this really does work. Halifax will be getting a claim shortly and my bank account will finally be back in the black!!!
Sazzle v A&L!!!
Request for repayment sent to A&L for £463 - 14/07
Standard reply received - 18/07
Letter before action sent - 21/07
Received my small claims pack so here we go - 17/08
Claim agianst A&L started - 21/08/06
Response received saying they will defend - 30/08/06 SETTLED IN FULL £548.48 - 06/09/06
Sazzle v Halifax!!!
Request for statements sent to Halifax with £10 cheque - 14/07
Letter received requesting more info - 05/08
Letter sent with info required - 09/08
Letter received saying statements on way - 11/08
Big pile of statements arrived - 17/08
Request for repayment sent to Halifax for £442 - 17/08
Letter received saying they will reply within 4 weeks - 21/08/06
Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Started the ball rolling...
a few weeks back but noticed that when they had charged me previous interest it had taken me over my limit by £1.25! I didn't expect to be charged for this but looking again today realised I'd had £50 charges for the pleasure!!! I've been on the phone today and managed to get these refunded immediately. Little do they know what's on its way to them next
Reply With Quote
Made small mistake, what next?
Originally Posted by Sazzle74
Sazzle v A&L Claim started
Re: Started the ball rolling...
