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.
A journey begins !!!!! ,I have just got my bank statements from the A&L and will be trawling through them later on today (30days to send). I have already had a result from them as they refunded my £10 DPA payment and appologised for the delay, HE HE you would think they were helpfull. I will gratefully donate to the CAG on settlement.............ke ep up the good work you do. William
£5,550 appox is the amount of charges that have been spirited away from me by the A&L .......BLOOMIN ECK. I will now have a further look at all the other info ,threads and take the next step.
You're doing the sensible thing, William, having a good look aroung the site first. This is a very serious thing you are about to undertake, you need to know what you are doing.
Opinion is divided on how to proceed if the amount claimed (minus interest) is more than £5000.
The more cautious among us suggest splitting the claim into two smaller amounts; taking the first charges by order of date upto 5k and claiming these first, then claiming the rest when this has been settled.
The other school of thought is that as the banks are, so far, not contesting the claims you may as well claim it all in one go. You have to be aware though that you would be liable for costs if the case went to court and you lost, (those who advocate this route believe the risk to be minimal however).
If money is an issue, there is also an implication re affordability, it being cheaper initially to instigate a claim for under 5k.
changed my mind about my claim!!.........I shall split it into two separate claims, 00-03 and 03-06. I still havent got my head around all the ins and out of this process, Ill go back over it again. SORRY if im talking out loud - William
Ive split my claim into two to keep it well below £5000 as this will offer protection against legal expenses should I fail. The first is from 22.10.00 TO 09.05.05. The amounts are £2,907.50 in charges and £242.70 overdraught interest charged. I shall photocopy the schedule of charges and send with prelim letter. .
The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow
Well thats another step taken.....my prelim letter is awaaaaaay to the dark side (rec del) of the banking system - the A&L seem to be very stroppy . Chat in 14 days
The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow
If you are splitting your claim, make sure that one claim is finished before starting the next, or you may find the court combine them anyway.
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 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 Caro for that advise, I will be ready in Jan or Feb with part two of my claim.............work was fine as I had to be on a course. I have the small concilation that I have 25 days of holiday leave left before new year.
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.
:o Standard ........."I have noted your comments ++++++they must stand" letter arrived today,waiting till 14 day deadline passes then lba is off to A&L (rec del)..................... .......chat in about 14 days.
However frustrating it may get, patience is what is required in this game, bsia666, as you have found out. It is good that you keep us updated, as it shows other would-be claimers that it is a painstaking process, but done properly it is effective.
;-) At last I have got to the post office to send my lba off (rec del)..................... ...I had a wry smile on my face as I left the Post Office as my local A&L branch is just across the road. So its another 14 days and my next step, Court proceedings , unless the ever so kind A&L would like to settle .Chat in 12 or so days.
Has any one got advise on when to start the 2nd part of my claim?........I have an idea on this.It is to start the 2nd claim in the standard way with PreLim then lba just now,but wait for the first claim to be settled and when check arrives on doorstep, start court proceedings again for 2nd amount of charges.This would complete the claming back procedure
GOOD (me sometimes) V EVIL (A&L)**WON**
to the CAG
on settlement.............ke ep up the good work you do. William
Reply With Quote
Re: GOOD (me sometimes) V EVIL (A&L)
Ive split my claim into two to keep it well below £5000 as this will offer protection against legal expenses should I fail. The first is from 22.10.00 TO 09.05.05. The amounts are £2,907.50 in charges and £242.70 overdraught 
. Chat in 14 days 
Originally Posted by bsia666
