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.
Let me start by saying, I may not have the best credit history and may not be great with my money, but I am trying to sort it out.
I am not aided when going £3.43 over my overdraft for five days incurs £50 of charges.
I am with the Alliance & Leicester.
I'll post more as and when I think of it.
Have a read of the FAQ's and the step by step and spend a few days reading as much as you can to see how things work
You will find lots in the same boat (Me) and you will get all the help you need and when your ready goto the A+L bank forum and start your own thread and ask your questions in there
Good luck Tee
Welly
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Let battle commence!!!!!
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
I started the process of trying to reclaim my unlawful bank charges, last month. Downloaded and used library letter (thanks very much) and stapled a ten pound note to the letter (naive?).
I recieved a letter from A & L, acknowledging my request, returning my original letter, but telling me that I had not enclosed the neccessary ten pound fee!! It was hidden inside the letter and could not be seen. I have no proof of who stole my ten pounds, you decide for yourself.
When I phoned the bank, I first spoke to a young lady who was very helpful, she then put me through to a lady, who was definately not helpful.
I was asked "Well, why did you send cash in the post, anyway?" !!
Is cash still not legal tender? Mmmmm
Naive or stupid, you decide, but learn from my lesson. Cheque sent and cashed, I await their response.
Good luck everybody
Sorry but they are right. Is your fault. You can not prove you have sent it. So you have made some one richer by £10. Is legel tender but there no proof who took it.
Cheque on the other hand is proof because they have to cash it.
Better if you re-sent the letter with a cheque this time.
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Morning
I am in the middle of reclaiming my charges, have sent off lba and A&L have a day left before we proceed, but I was reading that I could claim beyond six years, so i did.
Now after reading elsewhere, I'm concerned I have made an error and should have just stuck to the six years.
Just a bit of reassurance needed or some advice on a possible rectification.
please keep to the one thread when asking questions or updating .This is in your own interest as you will get much more informed advice when people can see at a glance what you have done so far
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
Sorry about that, forget where my threads are!:o
Next question, probably not the last as well.
Just received partial settlement offer, do I sign the form they sent and state clearly on their form, that I accept this but not as Full and final? Or, should I reply in my own letter? Also, should I start court proceedings now?
Thanks
tee_s_uk v Alliance and Leicester
for five days incurs £50 of charges.
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