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&L shut down my account as soon as I got my charges back. I had a phonesave account into which I paid £25 a month and a flexiplan plus account with a debit balance. Flexiplan is linked to the current account so I knew it would have to be sorted out - I rang on the 10 October and settled the Flexiplan account and was surprised to receive a letter a few days later saying they wanted the balance immediately or they would instruct a debt collection agency.
I have drafted this to A&L - of course I've chopped it up for the forum but what do you all think? Do you think I could ask for more, say £34???
Any comments will be gratefully received
Alliance & Leicester plc
Account no. xxxxxx
14 October 2006
Dear Sir/Madam Flexiplan Plus Account number xxxxxx Notice served under section S8 (1) of the Consumer Credit Act
I write with reference to your letter dated 12 October 2006.
You should be aware that this account was in fact settled some days ago. I paid £199.91 from my Phone Save account and a further £566.05 using my Abbey Credit card. The authorisation code is xxxxxxx.
I am concerned that you have sent me a threatening letter although the balance has been paid – it was I that contacted Alliance & Leicester regarding payment not the other way round.
The reason that my account was closed was purely in retaliation at my claiming back bank penalty charges recently – I have banked with you for over 20 years and would have been happy to continue to do so. I did not choose to close my current account, that was the decision of Alliance & Leicester.
I enclose my invoice in the sum of £12.00 and payment should be made by cheque payable to Mrs xxx within seven days.
INVOICE NUMBER 001
TO: Alliance & Leicester plc
RE: Account no. xxxxxx
DATE: 14 October 2006
Being charges relating to time spent in the preparation of a letter of response to a letter dated 12 October 2006 from Alliance & Leicester. Itemised below:
To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage. TOTAL DUE: £12.00
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
I think invoicing them for £12 is a bit steep. Surely it doesn't cost that much to send a letter....LOL
HSBC
7th October 2006 - Prelim for £3078
24th October - LBA
7th November - Claim filed
11th November - Acknowledged with intent to defend
11th December - Defence filed
16th December 2006 - Offered full amount but no default removal. Rejection letter sent.
Halifax
7th October 2006 - Prelim for £3427
24th October - LBA
3rd November - Offered £913
3rd November - Accepted as partial payment
7th November - Claim issued
21st November - Acknowledged with intent to defend
11th December - Offered full amount but no late payment removal
4th January - SETTLED + removed adverse credit info
A & L
19th October - Prelim for £540
26th October - Offered £358
2nd November - Accepted as partial payment and LBA
27th November - SETTLED + removed adverse credit info
I think invoicing them for £12 is a bit steep. Surely it doesn't cost that much to send a letter....LOL
Exactly I know it's steep (LOL) but think of all the time and trouble I've taken to put a letter together, honestly the bank has got to understand that these things cost money!!! LOL
If they pay up I am going to scan the cheque and post it on my website, this bank baiting is fun isn't it! I was laughing as I typed (after being very annoyed initially) and just thought NO they cannot continue treating us like this. debt collector??? What a cheek - it was me that initiated repayment.
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
Well - they are really worried aren't they ... got a cheque for £12 plus a letter of apology this morning!!!
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
Which debt collector are you going to use to chase them for the debt when they don't pay?
You also forgot to add in the claim for distress!!
If I have helped click my scales....
Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
A&L shut down my account as soon as I got my charges back. I had a phonesave account into which I paid £25 a month and a flexiplan plus account with a debit balance. Flexiplan is linked to the current account so I knew it would have to be sorted out - I rang on the 10 October and settled the Flexiplan account and was surprised to receive a letter a few days later saying they wanted the balance immediately or they would instruct a debt collection agency.
I have drafted this to A&L - of course I've chopped it up for the forum but what do you all think? Do you think I could ask for more, say £34???
Any comments will be gratefully received
Alliance & Leicester plc
Account no. xxxxxx
14 October 2006
Dear Sir/Madam Flexiplan Plus Account number xxxxxx Notice served under section S8 (1) of the Consumer Credit Act
I write with reference to your letter dated 12 October 2006.
You should be aware that this account was in fact settled some days ago. I paid £199.91 from my Phone Save account and a further £566.05 using my Abbey Credit card. The authorisation code is xxxxxxx.
I am concerned that you have sent me a threatening letter although the balance has been paid – it was I that contacted Alliance & Leicester regarding payment not the other way round.
The reason that my account was closed was purely in retaliation at my claiming back bank penalty charges recently – I have banked with you for over 20 years and would have been happy to continue to do so. I did not choose to close my current account, that was the decision of Alliance & Leicester.
I enclose my invoice in the sum of £12.00 and payment should be made by cheque payable to Mrs xxx within seven days.
INVOICE NUMBER 001
TO: Alliance & Leicester plc
RE: Account no. xxxxxx
DATE: 14 October 2006
Being charges relating to time spent in the preparation of a letter of response to a letter dated 12 October 2006 from Alliance & Leicester. Itemised below:
To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage. TOTAL DUE: £12.00
PAYMENT DUE 7 DAYS BY CHEQUE PAYABLE TO MRS xxx
They paid up! and aplogized profusely for any inconvenience and distress :grin:
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
To receiving unnecessary threatening letter, reading said letter, drafting response, printing response, preparing invoice, printing invoice, time spent taking said response and invoice to post box and posting, stationery and postage. TOTAL DUE: £12.00
I've got copies of my letter and invoice plus scans of A&L's response and cheque if anyone wants to use them.
I was laughing as I typed and thought what the heck but I laughed louder when I got the apology and cheque - it's just delicious :grin:
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
Angie Knights' cabinet with night vision technology
Posts
2,229
Re: A&L start to retaliate
Letter copied and pasted to Word for future reference - I hope you don't mind. CLASSIC, just classic. In fact I've seen this attempted before, but I never seen them pay up - LOVERLEE!!
I am happy to post/email complete word docs including scans of grovelling response and cheque if anyone wants to use them.
My invoice (no. 001) paid in full and promptly - RESULT
Alliance & Leicester success! £3,325.74 paid in full 12/8/06 - claim started 8/6/06 settled in 2 months.
Nat West settled in full £1458.09 on 1/11/06
Thanks to you all for your help!
A&L start to retaliate
agency.
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Lily 
Originally Posted by alexifa
Re: A&L start to retaliate
