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 am sending an lba letter on Friday 11th Aug. I want to open another bank account with another bank (as my new account.....before A & L close mine), however if I ask the 'new' bank to transfer all direct debits and my salary - could A & L turn around and state that I have contravened their Premier Account Terms & Conditions as there is a minimal amount you need to deposit per month and would this affect my claim?
Anyone who has or is experiencing this scenario please advise!
open the account but dont transfer anything until they threaten to close yours
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
I took the sugestion from Martin Lewis (moneysavingexpert) and opened an account on line with cahoot. £1 pound initial deposit, no committment to regular deposits, nowt.
Process straight forward. I'm sure other providers will do likewise.
I got the usual "Not us guv, it's only the credit card boys" letter, sent them a letter before action to which I had no response so I have initiated action via Moneyclaim online.
We shall see what transpires. Fun this isn't it? Even if I get nothing out of this, and I cannot see that happening, just to be able to kick back at those who have so unashamedly "rogered" us for so long is very satisfying.
I couldn't get the Bootle address (the old Giro Bank address) accepted so I entered the local branch address. There is a corporate HQ address in Leicester which might have been better but the branch address will work OK, it's inconceivable that they do not have an internal mail system.
hi ,read your post cillitbanger ,about not transfering anything befor they threaten to close the account. I have opened my parachute account allready and am using it.my wages are paid into it and i now pay all D/D and S/O from the new account.What a hassle that was getting the info from A/L to first direct,but first direct were brilliant.
as i now dont have the £1000 a month paid in,but a lesser amount (her indoors wages) will this affect my claim or is it all still go as i sent my 2nd letter befor action yesterday.will file mcol on 31 august.
Data Protection Act sent 17/June/06.......cheque cashed 24/June/06:o 1st Letter asking for it back sent 02/08/2006 LBA sent 14/08/2006 MCOL ISSUED 31/08/2006 A/L acknowledged 01/09/2006
hi ,read your post cillitbanger ,about not transfering anything befor they threaten to close the account. I have opened my parachute account allready and am using it.my wages are paid into it and i now pay all D/D and S/O from the new account.What a hassle that was getting the info from A/L to first direct,but first direct were brilliant.
as i now dont have the £1000 a month paid in,but a lesser amount (her indoors wages) will this affect my claim or is it all still go as i sent my 2nd letter befor action yesterday.will file mcol on 31 august.
As you are claiming back your money that was unlawfully taken by A&L, changing how you use the account will have no effect on your claim. If part of the contract was that you paid in £1000 per month and now no longer do that A&L may use that as the excuse to close the account. You must decide if you are bothered about that or not.
lba received by A & L on 14th Aug. A & L replied 16th Aug!not the bog standard letter ref: unfair 2 but appeared to be personalised!They've offered me £150.00 as a 'gesture of good will' (i'm claiming for £504.00) but I have checked my bank balance and A&L have deposited this £150.00 to my account automatically without any agreement from me!
I have queries: -
I'm waiting until 14 days have passed from A & L receipt of LBA before submitting moneyclaim -is this ok to do this as they've offered me a part refund?
I'll be submitting my summary of charges, but do i include the original charges or do i leave out the part refund amount?
Any advice greatly appreciated! I hope to contribute 5% to CAG on any monies refunded!
Hi. I have read in some other threads that you need to take off the amount that they have refunded to you on your moneyclaim, but make sure that you take of the amount from the most recent charges you are claiming, that way you dont loose as much of the 8% interest you are claiming back!!
lba received by A & L on 14th Aug. A & L replied 16th Aug!not the bog standard letter ref: unfair 2 but appeared to be personalised!They've offered me £150.00 as a 'gesture of good will' (i'm claiming for £504.00) but I have checked my bank balance and A&L have deposited this £150.00 to my account automatically without any agreement from me!
I have queries: -
I'm waiting until 14 days have passed from A & L receipt of LBA before submitting moneyclaim -is this ok to do this as they've offered me a part refund?
I'll be submitting my summary of charges, but do i include the original charges or do i leave out the part refund amount?
Any advice greatly appreciated! I hope to contribute 5% to CAG on any monies refunded!
Jase
Suggest you write to them thanking them for the "PART PAYMENT" and make it clear you await the balance on the original time schedule. If they don't come up with the cash, submit your claim reducing it by the £150 you have received. When you calculate the interest due, take the £150 from the most recent charges they have made thus calculating the interest on the longest outstanding debt. It's what they would do to you if the boot were on the other foot.
Consequences of a Parachute Account
letter on Friday 11th Aug. I want to open another bank account with another bank (as my new account.....before A & L close mine), however if I ask the 'new' bank to transfer all direct debits and my salary - could A & L turn around and state that I have contravened their Premier Account Terms & Conditions as there is a minimal amount you need to deposit per month and would this affect my claim?
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Re: Consequences of a Parachute Account
Originally Posted by robbiedonkey
not the bog standard letter ref: unfair 2 but appeared to be personalised!They've offered me £150.00 
as a '
