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. 6th October 2006 19:29 #1
    sharonnicholas sharonnicholas is offline
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    Default Re: Raising a claim


    Quote Originally Posted by mjanet
    It is in the libary
    just recieved second letter from a&l stating the charges have been raised in accordance with the charging policy within the terms and conditionsicon of the account. they state they provide copies of the terms and conditionsicon of the account when it is opened. The office of fair trading report on 6th April 2006 did not give specific recommendation regarding the level of charges for current accounts. At presentthere has beenno consultation between the banking industry and the office of fair trading about current accounts. Should any industry wide consultation arise on this matter A&L will participate as appropriate. We feel our charges are reasonable and competitive compared to the industry and that they are clearly shown within our literature on our website, as well as being detailed onmonthly current account statements. I regret blah blah blah. What does this mean? Can i no longer persue them for wait for it £2,000 in charges in one year Please help

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  2. 8th October 2006 13:26 #2
    caro caro is offline
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    Default Re: sharonnicholas v A&L

    I have started a new threadicon for you Sharon as this was on the end of an old one. It is best to keep all you posts together about your claim in your own thread.

    This is an absolutely standard fob off, but I think you should do some more reading before going any further. You need to understand the process fully before starting the very serious business of starting a court claim. Read more of the threads in here, including the successes forum, as well as ensuring you understand the FAQ's and step by step instructions. A & L are quite straight forward to claim from and don't seem to vary in their approach. Be warned though, they will close your account so have a parachute accounticon ready.

    Fed up with bank charges?
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    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.

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    The Consumer Action Group is a free help site.
    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.
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  3. 9th October 2006 09:35 #3
    younganfree younganfree is offline
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    Default Re: sharonnicholas v A&L

    Hi, Sharon, welcome to the A&L forum.

    Caro has given you the best advice possible, having a good read of the threads on here will give you insight into what to expect and (hopefully) the confidence to then go ahead with your own claim.

    Do make sure you are well acquainted with the FAQs before you continue however, just so you are aware of what you are about to undertake!

    Keep using this thread to keep us updated on your progress and to ask for advice or encouragement if you need it.

    Good Luck.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE