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. 20th September 2006 14:04 #1
    karelwats karelwats is offline
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    Default Reclaim from A & L

    Hi, I'm new to this and am not sure whether to proceed with a claim. I have been charged a relatively small amount - £75 - but it was for going over drawn by only £39 and I am not happy. I have written to them and they don't want to know which has made me more angry. I am quite happy to go through the claim procedure but is this amount too small? Any advice to offer?

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  2. 20th September 2006 14:07 #2
    closey closey is offline
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    Default Re: Reclaim from A & L

    In my eyes no amount is too small if it is unlawful, and it is. I would take this all the way. You will be supported through the process, so don't worry, you have several thousand CAGicon members and the law on your side.

    Lloyds TSB - £972
    S.A.R, prelim and LBA sent
    Claim acknowledged
    Defence received
    AQ 20/06/06
    ***FULL SETTLEMENT RECEIVED 20/07/06***

    Woolwich - £2288
    S.A.R, prelim and LBA sent.
    Offered half
    Moneyclaim filed online 02/08/06
    Judgement filed online 23/08/06
    WARRANT FILED ONLINE 30/08/06
    MONEY RECEIVED BY BALIFF 04/10/06
    ***FULL SETTLEMENT RECEIVED 09/10/06***

    Smile - £175
    Pelim 23/06/06
    ***FULL SETTLEMENT RECEIVED 07/07/06***

    My Ex vs Woolwich - £715
    S.A.R sent 30/08/06
    Pelim 06/10/06
    LBA 20/10/06

    Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.
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  3. 20th September 2006 14:08 #3
    lisamellor lisamellor is offline
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    Default Re: Reclaim from A & L

    its your money. get it back.

    send the request for refund.
    here are the letters
    http://www.consumeractiongroup.co.uk...lates-library/

    good luck lisaxx

    if i have helped you at all click please the scales on top right!

    ABBEY
    11/4 S.A.R - (Subject Access Request) SENT OFF
    1/6 LBA SENT
    22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES
    15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)
    20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.
    8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......
    SETTLED IN FULL!!!!!!!

    T MOBILE i won!
    16/6 Data Protection Act SENT OFF

    5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!
    7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH
    7/9 FULL REFUND BEEN SENT!!
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  4. 20th September 2006 14:09 #4
    orfoster orfoster is offline
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    Default Re: Reclaim from A & L

    Hello and welcome, you may find that you will get this back by telephoning them a few times or writting to them warning them of court action. I would follow the claims procedure on here and you will find that they may pay up before you even get as far as the court stage. Good Luck.

    Lol i see we have all responded in the space of two mins.

    My advice is only my opinion, I am not a legal expert.

    IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE