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 came across this site after looking at MoneySavingExpert.com ad-free, free to use, Consumer Revenge!. I had recently been charged two £25 fees for going overdrawn which I thought was very excessive. I sent the standard letter to Alliance and Leicester at the address in Bootle (shown on your chequebook). The letter was ignored so this time I sent it by recorded delivery. I received a response within a week to say that they had refunded £25 as a goodwill gesture. As no further money was offered I filed an on-line small claim against them via the www.moneyclaim.gov.uk site. They immediately acknowledged the claim and today have written to me giving me a the other £25 claimed plus the £30 cost to file the claim. Their letter states that "it is clear that you do not accept the terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation". I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do.
It was worth the hassle to claim this money back as it is an unfair charge. Thanks for the tips and advice. I will post again if they contact me.
I I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do.
Be in no doubt that they will close your account. If you really want to stay with them there are threads around with advice on how to prevent them. Speaking for myself, I was glad to see the back of them.
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.
I currently have a A&L joint account, a personnal account, a joint savings account and my wife has an account. Does anybody know what they will close if they decide thats is their course of action?? I also have a mortgage with them so I would hope the threat of me closing that would offer some leverage in my favour as closing that would cost them significantly in lost interest charges. If I have to change accounts I am not hugely concerened but it is the hassle that I am not looking forward to, although I have opened a new smile account just in case.
Your mortgage is a separate contract and I believe that they cannot touch that. I think they are likely to close any current account with your name on it. It is hard to predict really, especially as various banks seem to be coming up with new tactics at the moment.
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.
I am currently applying to A&L to return my illegal charges. Presumably they will close my account in a fit of pique. What happens to my current £500 overdraft which I am up to the limit? Do they swallow that loss too? Somehow I don't think so.... However, I could argue that they are closing my account against my will following my request to have back what was legally mine in the first place ??!!**!!? I could tell them I'll pay it back at £25 a month ...8-)
Dont be mistaken Rosemary,
The charges are not illegal they are Unlawful!
The letter of account closure i recieved stated:-
"If you have an overdraft facility or if your account is overdrawn we will contact you seperately regarding removal of this facility and for your repayment proposals"
I am currently applying to A&L to return my illegal charges. Presumably they will close my account in a fit of pique. What happens to my current £500 overdraft which I am up to the limit? Do they swallow that loss too? Somehow I don't think so.... However, I could argue that they are closing my account against my will following my request to have back what was legally mine in the first place ??!!**!!? I could tell them I'll pay it back at £25 a month ...8-)
Hi you guys. Firstly, thanks for hauling me up on the point of illegality. Of course, I do know this but forgot on this occasion in all the excitement. Illegality would indicate there was something criminal when we are only pursuing these charges through civil action (litigation). I've done a law degree and never has this proven to be more useful than now - particular my contract law and consumer law modules. I am currently chasing for £1,315 in bank charges from Alliance & Leicester and just received my first 'fob off' letter. I am also pursuing Lloyds for £3k and have reached acknowledgement of order stage in court so 28 days to go...
Hi you guys. Firstly, thanks for hauling me up on the point of illegality. Of course, I do know this but forgot on this occasion in all the excitement. Illegality would indicate there was something criminal when we are only pursuing these charges through civil action (litigation). I've done a law degree and never has this proven to be more useful than now - particular my contract law and consumer law modules. I am currently chasing for £1,315 in bank charges from Alliance & Leicester and just received my first 'fob off' letter. I am also pursuing Lloyds for £3k and have reached acknowledgement of order stage in court so 28 days to go...
In which case this far exceeds your O/D debt with them.
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.
Hi,
Since opening my A&L current account (which I cannot get an OD on) some 3 yrs ago I have been a constant victim of this corporate edit. I am at the early stages of asking for my fees to be refunded, I have sent back the Freedom of Information Act form with the customary £10 fee. I would appreciate any helpful tips from this stage on.
Thanks
No libellous comments that could cause problems for the site please.
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.
Money Refunded
for the operation of your account we will shortly be contacting you to discuss its future operation". I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do.
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Originally Posted by Martylock
