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.
After reading about the successes of many people in their fight to reclaim their money from the banks I have decided to follow suit and get my money back from the A&L.
I have sent off the letter requesting my statements by recorded delivery yesterday 1st/08/2006 so now the 40 day wait is on!
I am no expert in reclaiming back my money but I’m sure with the help of you all I will be fine!
After reading about the successes of many people in their fight to reclaim their money from the banks I have decided to follow suit and get my money back from the A&L.
I have sent off the letter requesting my statements by recorded delivery yesterday 1st/08/2006 so now the 40 day wait is on!
I am no expert in reclaiming back my money but I’m sure with the help of you all I will be fine!
Hi and welcome MMG. While waiting for your statements make sure you read the FAQ's, step by step instructions etc as the more you understand the easier it will be further down the line.
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 All, SInce sending My initail letter requesting my statements on the 1st of August They have still not arrived! I will get on the phone to them but is there another step i can take?
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.
It has been a long time since i last posted. But just to update you all I have filled the Money claim online form on Friday 11th May 2007 for a total of £1105 which was charges plus the interest.
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.
The court claim was issued on on 14th May and will be deemed served on 19th of May.... The defendant has until the 2nd of June to reply.
I have just had a recent set back though, although the claim is still in process A & L have closed my account i think due to me missing more late DD payments and unauthorised OD that sort of thing and with the claim going on also they have closed the account and thier representatives have asked for the bank cards and cheque books to be torn up and sent back to them...
Although this does concern me a little will this affect my claim at all, I shouldn't think that just because they have closed my account that I am not owed the money they took from me??????
CARO, well done on claiming back your money! lets hope i get mine back quickly too!
I gather that recently A&L are submitting proper defences so your claim may not be quite as straight forward, but if handled properly unlikely to be a cause for too much concern.
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.
Wragge and CO have sent a letter claiming that they intend to defend. I have not yet recieved the defence letter yet. On the MCOL website they have also stated that they intend to defend. So the whole process begins. Although i am intent on getting back my money the nerves are beginning to kick in.
Wragge and CO have sent a letter claiming that they intend to defend. I have not yet recieved the defence letter yet. On the MCOL website they have also stated that they intend to defend. So the whole process begins. Although i am intent on getting back my money the nerves are beginning to kick in.
When you get your defence, if Wragge state that you haven't "particularised your claim", just send them your charges list, stating that you've already sent this to A&L and you hope this now clarifies your claim. Then sit back and wait for a hearing date and directions from the judge, when you'll know exactly what you have to submit and the timescales involved.
Come back here for help with the court bundle info. you're asked to submit by the judge and you'll get lots of assistance.
Thanks MimiJane, You support already has restored some confidence. I am expecting to get the defence today. I will keep you updated and will take you up on the offer of help regarding the court bundle.
MMG VS A&L "Give me back my money!!!"
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Originally Posted by MMG
