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.
Hiya - am new in the forum. Have had such awful dealings with Aand L too. Rang to ask for details of all bank charges over the last 6 years and they have sent throu the £10 standard data protection letter. Once I return this, will they send me all the dates and amount of charges applied or will I be told to apply for back bank statements too and have to work it all out myself? (Knowing THEM - I can't imagine them being so helpful! ) Am so sure some of their staff take courses in rudeness technicques. Which link or template letter would it be best to use when they reply to the data protection request? Sorry for probably asking the obvious - but I just what to get it right first time. Many thanks and best w ishes. Cathy X
I think you'll get a readout that you will have to through all on your ownsome!
You need to go through it listing all the charges you want to claim back, then write them a letter requesting repayment. They'll probably tell you to 'go away' as they are within their rights to do what they have done.
While you are waiting for the papers to come, I suggest you have a good look at the FAQ and the letter templates in the Library section. Just so you are comfortable with what you are doing.
I'd also suggest, big time, that you get a parachute account opened ASAP, as they do seem to be closing peoples accounts now - sometimes without warning [see The Holte41 & Lady Penelope's threads].
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.
Hiya Younganfree and Caro - many thanks for your advice. Have now opened up a new account with Lloyds. Also have just come across all my old bank statements in loft so have gone throu and got all the details re charges - so will miss out sending back the data protection letter to them and go straight for the next step. Will keep u posted !! Many thanks, Cathy X
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.
Hiya - just got back the usual "Go away" letter from A&L today saying- its not us that are at fault - its me and also quoting that the reduction in charges from the OFT only apply to Credit Cards!! On we go to the next stage
Reply to lba letter saying they had looked into my case and the charges were fair and not refundable. So have started Online Money Claim - They have till the 5th Sept to reply. Will also post details in Litigation Section. Next step - Removal of Default Letter to do.
Online Money Claim filed - Reply by A&L -they will defend whole amount
Hiya - have filed online money claim and have now received letter from Court with A&L response stating that they will defend the full amount. I take it that they are just trying it on!!!!
Re: Online Money Claim filed - Reply by A&L -they will defend whole amount
Look forward to your cheque!
Good luck
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
A&L - Data Protection Letter
and they have sent throu the £10 standard data protection letter. Once I return this, will they send me all the dates and amount of charges applied or will I be told to apply for back bank statements too and have to work it all out myself? (Knowing THEM - I can't imagine them being so helpful! ) Am so sure some of their staff take courses in rudeness technicques. Which link or template letter would it be best to use when they reply to the data protection request? Sorry for probably asking the obvious - but I just what to get it right first time. Many thanks and best w ishes. Cathy X
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Re: A&L - Data Protection Letter
