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.
Just one question really.. already going thru the process with the Halifax, should get a result in a week or so...
I have a CC which i owe £900 on.. if i were to start action against the A+L could they recall that debt straight away? are they likely to? i have no DD or SO with them, just pay it with a cheque each month..
They could do. How much do you owe them? Would you be able to pay back the whole amount? Ask yourself these questions but then don't forget they should not be taking these unlawfull charges from you anyway.
May be worth trying the first letter with them and see how it goes from there because the CC charges should have been changed anyway.
Someone will correct me if i'm wrong...
We can not tell you what to do but hope this has helped a bit
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
ohh thats a lot of charges. Your gonna need to decide this one. If its any help A&L have told me they are going to close my account on 20th October and they will be in contact about paying off the overdraft. We've only got £100 but i'm waiting to see how they will ask for it as they have not yet been in touch like they said they would. I'll keep you informed if you like so you have an idea but the CC may be different than the bank account....
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
This is an intresting thread,i have 4k on a A&L card with no hope of settling if they close the account.Ive spent a good few days reading the varius topics but have yet to come acsoss this problem.Lots more reading to do me thinks.Anyway good luck.
Theirs a thread on this in the A&L section,well worth a read,however at this stage its a liitle cloudy as to acc being closed upon action started.Ithink it a case of wait and see.
Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..
Alliance and Leicester credit cards are underwritten by MBNA bank, i don't know if that makes a difference if you claim against A & L or not , but technically you owe the money to MBNA (i think)
]Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..
and he'd better be a big one
Thats what makes Britain Great,the plucky underdog willing to fight his corner.
good on yer.
Thanks Lily, Blackcat... i'll keep reading me thinks, but having said that the A+L can't have what i haven't got can they.. its not like my salary goes into the account or anything is it.. the best they can do is to send a bailiff round i suppose..
and he'd better be a big one!!!!!!
Ha Ha!!!!!!!!!! That made me laugh
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
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.
Think thats a good idea Brian, still no news on my account closure. Just checked online and can still access my account!!! So much for them closing it.
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
A + L recalling the debt
, should get a result in a week or so...
Reply With Quote
Lily 
Originally Posted by Josamolly
