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.
Started the process on the 4 September asking for my statements, but as a few others have said this seems to be taking some time to be answered even though my cheque was cashed VERY quickly... But the 40 days aren't up until 14 October!
What finally drove me to start the claim was being charged £25 to cash a cheque that put me £0.93 overdrawn, one day before my regular 4 weekly salary was paid into the account. Then the cheeky b****rs went and charged me £25 plus interest for being overdrawn!!
There is so much information on this site, but I'm sure that I'll have some questions, so thank you in advance for anyone that answers them...
Hi Rogs128
Don't forget to open a parachute account as they will close your account once this is all over with. Not very nice of them but they have told me they will be closing it on 20th October or i can do it before then. Oh no!! They can do all the work on closing the account I'm not doing it for them!
Good luck
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Another reason for doing this is that I have just finished an IVA and sent off my completion certificate to various credit agencies. The A&L have been extremely unhelpful during my IVA and I have been wanting to tell them what to do with their account for quite a while now.
Hoping to sort out a parachute account this weekend. Does anyone have any suggestions of a halfway decent bank that might take me on...???
Thanks
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
Received my statements this morning and spent a good couple of hours this afternoon going through them. Now filled out the basic spread sheet (Thanks Vampiress )
Was quite shocked to see the total, including my Data Protection Act cheque, add up to £666.50... Hmmm that number seems familier...the beast and a half??? ;-)
Well the letter will be sent off by recorded post on Monday. Lets see how long it takes them to send me their standard bog off letter....
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
So the A&L bog off letter arrived this morning and I've taken the plunge and sent my lba back them by return post. :grin:
There seems to be mixed opinions on waiting the full 14 days, but I decided that as they had rejected my claim I would get my next letter in ASAP. Now I sit and wait for them to turn this letter down and get my MCOL ready to go. However this will probably have to wait the full 14 days, as that will tie in with my next salary payment..... or I could always make use of my overdraft facility to pay for it
Reading the threads on this forum (especially the successes) has really kept me going and focused on getting my money back.
Oh yes, almost forgot to say, my parachute account was opened this morning with HSBC. The guy said there seemed to be a lot of people moving bank accounts just lately.....
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
I noticed that Nat West say in their ads that somebody opens an account with them every 12 seconds. I couldn't help but wonder how often they were CAG members.
By the way, everything looks fine but I would be inclined to wait the 14 days from your lba before claiming so that you can show the court what a reasonable person you are giving them plenty of time to avoid court action.
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.
Received my standard bog off reply to my LAB from A&L today.... boy they're getting quicker. Thats a day earlier than the reply to my prelim letter!!
So taking Caro's advice to show what a reasonable chap I am, I'll be waiting another 7 days before putting in my MCOL.
I'll let you know how it goes......
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
I've done it, my MCOL was done at 21:45 tonight. Not sure if I feel :o or ???
Guess it's just a case of sitting back and trying to stay cool......
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
Been on to MCOL site and under judgement it says 'start'
I assume I don't need to do anything now, just wait for the process to take it's course??
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
yes just wait now, the next step for me was an acknowledgement from the court and then a letter from them saying A&L intend to defend then payment not long after, hopefully this will go the same way for you...
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Thanks Lil, got my Notice of Issue in the post this morning so now I just wait 8-)
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
Latest update is that I got home to night to find a court letter saying that A&L intend to defend my claim.
From what I have read on here, I think that means I should expect to receive my cheque before the end of the month. I think it's going to be a VERY good Christmas this year
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
Latest update is that I got home to night to find a court letter saying that A&L intend to defend my claim.
From what I have read on here, I think that means I should expect to receive my cheque before the end of the month. I think it's going to be a VERY good Christmas this year
Yes it should go that way, were all behind u!!!
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Guess what was waiting for me when I go home today????
Yep a lovely cheque for just over £960 from A&L along with their usual letter saying that in this instance they are willing to refund the charges, but will be contacting me about the running of my account!
Doesn't really matter now as I have a new bank account (into which I have paid the cheque today). I just don't seem to be able to stop telling people about this site and the process. If I can help just one more person to claim back their charges.....
One thing though, when I went to withdraw the last of my money from A&L at lunchtime I was told by the nice lady that I had my account flagged up as a 'pre-approval for a low cost loan' She looked a little taken back when I said I wouldn't be taking up their offer as I was closing my account this week.
All I can say is thanks for the help and support, my donation will be made as soon as the cheque clears.
Anyone else thinking about doing this or currently in the process, just keep the faith, stick to your timetable and you will win!!!!
Roger
Don't steal..... the banks don't like competition!!!
A&L Claim £666.50
Data Protection Act Letter sent 04/09/06
Statements received 07/10/06
Prelim Letter sent 09/10/06
Received bog off letter 14/10/06
LBA sent 14/10/06
Received bog off letter 20/10/06
MCOL entered 30/10/06
Claim Reference 6QZ78661
Acknowledgement of Intended Defence recd 07/11/06
CHEQUE RECEIVED IN FULL PAYMENT 13/11/06
Guess what was waiting for me when I go home today????
Wonderful news Rogs 128!
Very,VERY WELL DONE!
Every time we read of another success, it buoys those of us who are still en route.
Just wanted to say how delighted I am for you.
Rogs128 v A&L ***WON***
for being overdrawn!!
Reply With Quote
I'm not doing it for them!
) 
, with a few collywobbles thrown in for good measure?
Originally Posted by Rogs128
Re: Rogs128 v A&L
