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 just starting to reclaim my bank charges thanks to help from this great forum. I sent A&L a SAR and they have sent me all of my statements. I am now sending the preliminary refund request letter with a list of all my charges.
However my account is now overdrawn - due to bank charges and I am now being charged charges on charges!
I have 2 children to support and although I do not claim any benefits I do struggle on what I earn. Therefore I have had to open another 'basic' bank account with Halifax so that my wages would not be swallowed up by my A&L account!
I need to put something about this in my letter - to the effect that I am accrueing more and more charges every day that this goes on and I want that refunded as well.
Does anyone out there have any ways/ideas on how I should word this?
Thanks ever so much for your help. I am so deaperate to try and get this sorted out. I have been charged over £1000 in charges and this is spiralling out of control. I am going to have an awful Christmas.
If charges applied to your account total more than £500.00 in 12 months, request A&L deal with your complaint under the FSA guidelines, Dealing with complainants in financial difficulty
Annex 2 – Dealing with complainants in financial difficulty
1. The firm will be sympathetic and positive when considering any financial difficulties claimed by the complainant. Firms will not subject a complainant to harassment or undue pressure when discussing their problems.
2. In making an assessment of financial difficulty the firm will take into account:
a. evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship Breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;
b. evidence of the following events:
i. items repeatedly being returned unpaid due to lack of available funds;
ii. failing to make loan repayments or other commitments;
iii. discontinuation of regular credits;
iv. notification of some form of insolvency or court proceedings;
v. regular requests for increased borrowing or repeated rescheduling of debts;
vi. making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and
vii. repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty).
Request A&L resolve your complaint within eight weeks, or issue you with its final response in order for the fos to take up your case, in this instance insist A&L be sympathetic and positive when considering your financial difficulties,
Reclaim Advice
and they have sent me all of my statements. I am now sending the preliminary refund request letter with a list of all my charges.
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