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.
There really is a lot on this website took me three weeks to get to posting stage let alone requesting my bank statements lol!
Oh! I am such a hoarder - didn't realise how bad i am till i starting shifting throught the years worth of stuff i have. Since i've had kids nothing get's done I've got statement going back four years so only need to get the other two years from the bank I would have had the other two years if i hadn't moved.
Anyway i'll send away for the rest today and that will start the ball rolling - Bank of Scotland next.
I wasn't too bothered about claiming my bank charges back from the A&L as i haven't had too many charges with them, but i checked my credit record during the week and they have put this against my credit rating and i'm livid.
So off to open a new account with a totally new bank.
Well done for taking the time to look into everything properly first. It wouldn't hurt just to do the SAR to the Bank of Scotland now, then start the claim against them when you are ready. At least you will have everything you need when you are ready.
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 that is exactly what i will do request statements for both and work on one then the other.
I don't have much for the A&L i think it may only be about £200 do you think this is worth going to the lba action stage and possibly going to small claims court???
You will need to do the prelim stage first, then lba and then court. Be in no doubt that you will have to go the small claims court, as they won't pay up until then. Do I think it's worth it? Well £200 is a lot to me, so hell yes.
Anyway it's good practice for when you move on to the next claim.
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.
Hi Caro, Thanks again i just wasn't sure if court is the right way to go for £200 but since i've been reading posts on here i can see that you do need to court stage before getting any refund.
I'm a pretty good complainer at the best of times but can see myself going to a whole new level with this stuff lol!
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.
Decided to call and ask for the statements rather than sending the letter. I know i know daft bint, Well the A&L want to charge me £5 a statement, i need two years bringing the grand total to £120!!! The guy on the phone even had the cheek to ask what it was for - i told him tax reasons then he went and asked the manager and he said he would give me them for £80 i told them to beat it so i will be posting my request for statements tomorrow.
Hi, Sharmore. It's always best to send any claim-related correspondence by registered or recorded delivery. They can't use non-receipt as a delaying tactic then.
Cheque has been cashed Friday 10/11/06 we will see how long it takes them to send out statements i would expect them to arrive Monday morning 13/11/06
Same can't be said for BOS though still no replay and no cheque cashed hmm!!
Can't wait to get started.
SharonM
29/10/06 Data Protection Act letter sent to A&L and BOS.
4/11/06 Letter from A&L to say no cheque was enclosed!!!
9/11/06 A&L cheque cashed - still waiting for statements.
14/11/06 Leter from BOS to say they will take 40 days to comply oooooooohhhhhhh! :-|
S.A.R - (Subject access request) Cheque cashed 9/11/06 it's now 15/11/06 and still no statements tsk!
:-|
Off to start a thread on the BOS forum too got letter from them today to say we have recieved your DAR and will take 40 days to comply - very dry lolololol!!!
SharonM
29/10/06 Data Protection Act letter sent to A&L and BOS.
4/11/06 Letter from A&L to say no cheque was enclosed!!!
9/11/06 A&L cheque cashed - still waiting for statements.
14/11/06 Leter from BOS to say they will take 40 days to comply oooooooohhhhhhh! :-|
Got my statements through the week before xmas - had a manic few weeks so not even looked at them yet but will start very soon, you will probably be hearing from me too! Can't wait to get stuck in
SharonM
SharonM
29/10/06 Data Protection Act letter sent to A&L and BOS.
4/11/06 Letter from A&L to say no cheque was enclosed!!!
9/11/06 A&L cheque cashed - still waiting for statements.
14/11/06 Leter from BOS to say they will take 40 days to comply oooooooohhhhhhh! :-|
Start the ball rolling with the A&L first
I've got statement going back four years so only need to get the other two years from the bank
I would have had the other two years if i hadn't moved.
next.
livid.
Reply With Quote
Re: Start the ball rolling with the A&L first
then he went and asked the manager and he said he would give me them for £80 i told them to beat it so i will be posting my request for statements tomorrow.
Is this a usual delaying tactic?
