Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 24th August 2006 11:38 #1
    big bear big bear is offline
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    Default A&L said they stop charges

    on OH's account but this week he's been charged another £34 for unpaid DD and £55 for going overdrawn. This has been going on for months, they take half his wages every week on charges.

    He spoke to them and requested the statements for 6 yearsicon, they asked why and he told them he was disputing charges. They said that they wouldn't charge anymore until the dispute is settled. Can the continue charging?

    They sent out some sort of form that needs to be completed to request the statements is this another delaying tactic?

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  2. 24th August 2006 12:18 #2
    leebrannan leebrannan is offline
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    Default Re: A&L said they stop charges

    The only letter you need to send off at this point is the DPA in the templates libraryicon. The letter they have sent you isn't really a delaying tactic as such, but if you send off the DPA letter, it contains everything they need to know in order to send you your statements.

    If you haven't already done it then i suggest you read the FAQ's asap. You'll find everything you need to get you started.

    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.
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  3. 25th August 2006 22:57 #3
    caro caro is offline
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    Default Re: A&L said they stop charges

    Good advice there from leebrennan. I think the form is fairly standard, although not strictly necessary. Did your husband pay the £10 fee or are they asking for it? They have 40 days to comply with the request from the date they receive payment.

    I know that if an account is in disputeicon they cannot take action until the dispute is resolved, but I am not sure about charging. If they have said they won't then lets hope they stick to it.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    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.

    END LEGAL LOAN SHARKING
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    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
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE