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.
This is my first post, but in the spirit of things I thought i'd add where im up to with my bank.
BTW, the letter templates on this site are excellent
I sent my "Data Protection Act 1998 Subject access request" to A&L for on "1ST July 2006". They came through a couple of weeks later, and after much trawling through the huge wad of paper they sent me...
I sent my "Request for repayment of charges" and included my "schedule of charges" asking for the money back on the 1st September. - to this i recived a generic reply stating that their charges were fair, and the OFT had only ruled on credit card changes being unfair.
I am sending my "letter before action" this monday - 25th September 2006, and another copy of my "schedule of charges", just in case they have filed my last one under "bin".
I will keep this post updated when they reply to this latest letter, and im sending all letters recorded delivery so theres no excuses they havent had the letters.
Am I right in thinking that no-one has actually had to turn up in court, (I appreciate this is something you have to be prepared for) has it happened before?
A&L stated some time back that they will pay all claims for anyone taking them to court. If you've read around you will know the format:- claimant starts court proceedings; A&L say they will defend the claim; A&L then settle.
However, there is always the small chance when you initiate legal proceedings that you may have to go to court, after all, you are suing them - though obviously the way things appear to be going this is unlikely.
The main reason is that the banks don't want to have to appear before a court and explain in full the way they make up their charges.
As long as you are aware that you are taking a serious legal undertaking, and not entering into this lightly, then you will be O.K.
Like they say in the scouts, 'Be prepared', even if it is only mentally.
I sent my "Data Protection Act 1998 Subject access request" to A&L for on "1ST July 2006". They came through a couple of weeks later, and after much trawling through the huge wad of paper they sent me...
Hi there
Since they seem to send a wad of paper, would you trust the A and L to say " you were charged this on this date" as appose to sending 6 years worth of statements? I just think it would be easier than trawling through them all. What do you think?
Dave v Alliance & Leicester
" to A&L for on "1ST July 2006". They came through a couple of weeks later, and after much trawling through the huge wad of paper they sent me...
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Originally Posted by techskool
