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.
Haven't been able to get on for a frustrating few days owing to a phone line problem, however sorted now. Sent DPA letter to A+L on the 28th July, will keep you updated with developments. Can't wait to hit the 'donate' button, cos that will mean I have won!
Well, a thumping package landed on the doormat today, and it was all the statements for the last 6 years. Going to get to work on them over the weekend. At first glance it's at least £2000.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Well I sat down today and added everything up, and it came to a staggering £4,990.50! Guess I'll be spending the next few days filling in the spreadsheet!
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
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.
If it goes over £5,000 I have to go through a different claim route?
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Good point! I was just thinking if it gets to the stage where I add on interest it'll certainly go over 5 grand!
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
If you are just talking about the 8% interest you can add on at the court stage, it will be alright if that takes it over £5,000, but otherwise you might be liable for the banks costs in the extremely unlikely event that the court found in the banks favour. Keep reading so you understand exactly what you are taking on.
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.
Evening all, haven't been on for a while cos my wife is expecting our first baby any day now! Anyway I have finally done the spreadsheet and the charges total £5435. I have included all DD nd SO charges plus failed cheque charges and unauthorised overdraft charges. Would it be worth my while, as its over £5000, to take some of the later charges off and do a separate claim for them, say the last 20 charges? Help!
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
You could do that to ensure keeping within the £5,000 limit for small claims and avoid any chance of incurring costs. The banks are not going to court for claims over £5,000 either though, so although there is a miniscule chance of having to pay costs if you lose, it would only be if the bank actually went to court, and A&L have publicly stated that they will not do that. You would also have to file your claim on an N1 form at the court office as MCOL only deals with small claims.
There is a risk involved, and only you can decide if it is small enough to disregard.
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 decided to take the last few off, so the total is now £4,979. All typed up and in an envelope ready to send tomorrow! Once again I'll keep everyone posted with my progress.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
That is a huge amount of money - and they honestly thought they could get away with it. These banks must have had some bloomin good parties. Keep going Andrew66 - you're on a good, tried and tested track and we'll all support you along the way and will celebrate (with lots of little quiet smiles at the computer screens) when we see you get your settlement!
Finally got the letter sent off today, because my wife had a baby girl on Tuesday afternoon! Thank-you all for your support. I know I've said it before but this is a great site.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Andrew66 v Alliance + Leicester
' button, cos that will mean I have won!
Reply With Quote
. 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
