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.
Hi, I wrote to A&L on the 26th July and received what I think is a standard letter on the 29th! This is the most efficient they've been since I opened my account!! Presume this is the usual response and will see what happens next. Watch this space!
Hi Boxerdog, welcome to the forum.
What did you write to A&L? Do you know how much they owe you?
If its the prelimanary request you've sent,then the letter you received will more than likely be the standard blah blah blah letter that they send to everybody.
Let us know which letter you've sent to A&L so we know what stage you're at
Cheers
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.
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.
Nothing since the "standard letter"! Time for next letter?
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
If it was like mine, it will be Go away, you are not getting anything
Regards
Sophie-Jane
Yes I'm a Trucker Girl - explains why early posts
Thank you
Please Note
Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts
Just checked my online account today and they're (A&L) planning to take another 2 x £25 in charges! I'll send my lba tomorrow & let you know!
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
Add that charge to your spreadsheet, and change the amount on your lba to reflect the New charges
Near the end of my partners case, they claimed charges on the account, and refunded them back in. a week later my partner got the cheque for the Previous charges applied
Not sure, but have they stopped charges on that account,? We'll see
Regards
Sophie-Jane
Yes I'm a Trucker Girl - explains why early posts
Thank you
Please Note
Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts
Nothing from the A&L, other than the standard letter, so I'm sending my lba today! I've added two pending charges of £25 each that are due to be applied on the 20th August. Total claim - £352.
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
Day 12 since my lba and the good old A&L have responded! In brief; apologies for delay in responding, charges are correct, OFT ruling, blah blah blah.
The important bit, " . . in a genuine attempt to resolve . . . and to place our banking relationship on a firm footing(!), . . . prepared to offer a refund of four or the (13) charges totalling £118 on a goodwill basis.
My claim totals £352, so they're offering roughly a third. I've moved my account back to the Halifax, so I'm not interested in placing my banking relationship on a "firm footing"! The question is, take the money and run or stick out for the full amount?
Any advice, gratefully received.
Richard (Boxerdog1999)
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
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.
So, Reply and reject or go straight to Moneyclaim? They're are 2 days away from the 14 day deadline I gave them.
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
You could do that, or you could reply, reject and add that as you recognise their willingness to resolve the issue, you are willing to allow them an extra 7 days to pay the full amount before resorting to Moneyclaim. Whatever is best for you.
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.
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
An update. A&L replied today, (day 7 of my 7 day extension) with another standard letter. They thank me for my further correspondence and will respond in the next 28 days.
Question: Ignore and go for moneyclaim or wait for their response?
I'm not in any hurry, but don't want to jepordise my claim by hanging around.
thanks,
Richard (Boxerdog1999)
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
Hi there. Guess what! A&L have put me £700 overdrawn with charges. Closed the account and asked for money to be refunded and they told me they would get a debt recovery agency to collect money from me. After that I got a letter telling me that all fees are lawful and I've got my facts wrong so pay up. Any ideas what to do now? think i'm going to hold on till they contact me again
Stick to your timetable Boxerdog. You have given them long enough so do what you told them you would. Go to MCOL and take them to court.
SickofA&L can you start your own thread, explain what you have done so far, and we will try and help. Read the FAQ's and step by step instructions. If they have not taken this action yet give them a ring and tell them you are placing the account in dispute and they should not take further action. Immediately follow this up with a letter confirming the telephone conversation that the account is in dispute and that no further action should be taken until the dispute is resolved.
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.
26th July 2006 - Preliminary request for payment sent.
29th July 2006 - Acknowledgement letter received.
10th August 2006 - LBA Sent.
22nd August - A&L offer "Goodwill Gesture"!
23rd August - Letter sent declining offer!
30th August - Acknowledgement letter received.
1st September - Submitted Moneyclaim!!
6th September - Letter from A&L - Not budging!!
16th September - A&L settled in Full!!
Presume this is the usual response and will see what happens next. Watch this space!
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Re: Boxerdog1999 v A&L - Standard Response?
Re: Boxerdog1999 v A&L - Standard Response?
