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.
Hi Everyone.
Here goes, my second claim. Only part way through my first, but having read so many positive posts on here, I felt the confidence to make a start on number 2!
Sent first letter last week requesting information and received neccessary Data Protection forms yesterday. Duly completed the forms, wrote the cheque and sent back straight away by recorded delivery.
Fingers Crossed.
The account is only 2 years old, so I do have most of my statements. My calculations so far suggest that they owe me around £2000.
Look forward to receiving all the files and asking them to "SHOW ME THE MONEY!!!"
Isn't it a horrible feeling when you add up all those horrible charges??? If it weren't for the bloody damn things I wouldn't be in the situation I am in now. I dip in and out of my overdraft each month but never more that £500, but it's having a knock on effect on my credit cards (x4) which I haven't used for over a year (decided to make a concerted effort to clear them) but since A&L keep whacking on the charges which then make me more overdrawn, I then can't honour the DD's which in turn has caused no end of Unpaid DD fees with the Credit Cards, which have in turn pushed me over those limits, resulting in yet more bloody fees. Talk about Domino effect.
I'm earning in excess of £30k a year and I seem to be living on £400 each month, because A&L etc are supping up my hard earned dosh. EEEEEEEEeeeek!
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.
Hi Caro,
Thanks for your message. It's great to know there's so much support of this site. Having sent off the SAR. I found a few more statements last night, so I think I now have them all back to when the account was opened in September 2004. Total charges = £2216 !!!
Do you think I should wait until stuff comes back from SAR in case there are any discrepencies? Or carry on with lba and schedule of charges?
Start with the preliminary request for payment not lba. You could do a schedule of charges to go with that with the information you have, and amend it at LBA and/or claim stage if you find any are missing when they comply with your SAR.
Check the FAQ's to make sure you are clear on the process for claiming.
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.
Thanks for picking up on that! I was a bit confused about another claim I am making against Barclaycard - I sent prelim in May and have only just received response. So I know now that next step on that one is the lba.
Feel like I am getting to grips with it all now.
If I win all my claims, I will have paid off half my debts! What a great feeling that will be.
Why have you left it since May. Your prelim should have given them 14 days and you have left it 4 months. If you expect them to take you seriously you must stick to the deadlines that you are imposing.
I repeat, go back to the FAQ's and step by step instructions so you know exactly what you are taking on. When it gets to filing in court you will not be able to be so complacent.
Sorry if this seems harsh, but this should not be taken lightly.
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.
When I sent the prelim letter in May, I had not fully prepared myself and read up enough on the step by step process. Had received letters from Bcard saying they were dealing with complaint. I know I'm a naughty girl for not doing my research and letting it slip, but have been reading loads this past week and ready to take them on.
Thanks for your advice.
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.
TheGoodGirl v Alliance & Leicester
each month but never more that £500, but it's having a knock on effect on my credit cards (x4) which I haven't used for over a year (decided to make a concerted effort to clear them) but since A&L keep whacking on the charges which then make me more overdrawn, I then can't honour the DD's which in turn has caused no end of Unpaid DD fees with the Credit Cards, which have in turn pushed me over those limits, resulting in yet more bloody fees. Talk about Domino effect.
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