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.
Re: im so fed up of the alliance and leicester im sitting here crying
Well i thought I would add my pennies worth I had bank charges last month for two lots of £25 so £50 and i received a statement today and guess what yet more charges are being added it all started of with me going overdrawn by £3.87my charge was £34 so i am now £37.87 OD I then got an unauthorised overdraft charge of £25 then another for £25 which makes my new total £88.13 OD this is from the 22 - 28th of sept I then paid in £420 and I received a statement today with yet more OD charges added for another £50 because the other OD were up until the 11 sept and the new ones are from the 12th so in total for going OD by 3.87 they have charged me £137.87 I cannot believe they can get away with this ? on top of this after speaking to customer service I was told if I wanted a copy of my statements it would cost wait for it £5 per statement madness Mike
Re: im so fed up of the alliance and leicester im sitting here crying
Originally Posted by Mike2098
Well i thought I would add my pennies worth I had bank charges last month for two lots of £25 so £50 and i received a statement today and guess what yet more charges are being added it all started of with me going overdrawn by £3.87my charge was £34 so i am now £37.87 OD I then got an unauthorised overdraft charge of £25 then another for £25 which makes my new total £88.13 OD this is from the 22 - 28th of sept I then paid in £420 and I received a statement today with yet more OD charges added for another £50 because the other OD were up until the 11 sept and the new ones are from the 12th so in total for going OD by 3.87 they have charged me £137.87 I cannot believe they can get away with this ? on top of this after speaking to customer service I was told if I wanted a copy of my statements it would cost wait for it £5 per statement madness Mike
Hi Mike.
You have come to the right place!!
You need to start your own thread so we can follow your progress, this is kickingkay's thread. If you have a good read through the FAQ's, you will find it easier.
Here you will also find out the bank has to give you all your data for a maximum £10 fee, the template for this letter is in the templates library along with the other letters to help you on your way.
If you ask a Mod (the ones with their names in green) they will merge your threads into one so start a new thread then ask them to merge this note with it.
Any problems/questions, post in your thread and someone will answer it for you as best they can.
Its really bad the way the bank has taken all that money off you for the measly amount you were overdrawn. But you can now start fighting back..... They will try and put you off each step of the way but that is where this site helps you out.
Good Luck (not that you'll need it!!!)
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
Re: im so fed up of the alliance and leicester im sitting here crying
Originally Posted by Mike2098
Well i thought I would add my pennies worth I had bank charges last month for two lots of £25 so £50 and i received a statement today and guess what yet more charges are being added it all started of with me going overdrawn by £3.87my charge was £34 so i am now £37.87 OD I then got an unauthorised overdraft charge of £25 then another for £25 which makes my new total £88.13 OD this is from the 22 - 28th of sept I then paid in £420 and I received a statement today with yet more OD charges added for another £50 because the other OD were up until the 11 sept and the new ones are from the 12th so in total for going OD by 3.87 they have charged me £137.87 I cannot believe they can get away with this ? on top of this after speaking to customer service I was told if I wanted a copy of my statements it would cost wait for it £5 per statement madness Mike
i think its safe to say we have all had those £25*2 charges and its still not clear to me how they manage to add and justify the extra charge, even if we already know any of these charges is wrong, they have never made ti clear to me?.
regarding anyone receaving benefits (child/income/etc) its already been mentioned regarding the (inalienable)right to tell them this money is for essentials etc and i will be withdrawing it at such and such a date.
upto yesturday , it was thought by many that the english banks could take these state benefits at their will as no english law was present to forbid them from taking them, and all that existed was some Banking Code they ignore anyway, wereas the scottish law expressly stops them taking any payment from any state benefits.
187.—(1) Subject to the provisions of this Act, every assignment of or charge on—
(a) benefit as defined in section 122 of the Contributions and Benefits Act;
(b) any income-related benefit; or
(c) child benefit,
and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of a beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.
(2) In the application of subsection (1) above to Scotland—
(a) the reference to assignment of benefit shall be read as a reference to assignation, "assign" being construed accordingly;
(b) the reference to a beneficiary's bankruptcy shall be read as a reference to the sequestration of his estate or the appointment on his estate of a judicial factor under section 41 of the [1980 c. 46.] Solicitors (Scotland) Act 1980.
(3) In calculating for the purposes of section 5 of the [1869 c. 62.] Debtors Act 1869 or section 4 of the [1882 c. 42.] Civil Imprisonment (Scotland) Act 1882 the means of any beneficiary, no account shall be taken of any increase of disablement benefit in respect of a child or of industrial death benefit.
"
now these books are statute for the whole UK so is this vast book/law? to our advantage and can some of the law people here explain and use these acts to stop the banks etc dead in their tracks with a simple letter?.
from Kinnairdy #4 on the moneysavingexpert site Bank taking your Benefit? Quote this - - MoneySavingExpert.com Forums thread
" Ben-e-fit, any details or a link on how to access the 'Blue Book' online, that 'Tome' contains very useful & helpful information on benefit legislation for claimants but is not openly publicised as being available to the public. Had access to it once upon a time in the early 90s but no longer working in that area myself. "
#14
"Ben-e-fit,
Have posted the URL's for the Blue Volumes below, (sorry if links don't work but I have'nt perfected that process yet )
Hope they will be of some help to anyone who needs to know more than their local DWP employees can tell them.
perhaps with these books and the wealth of people here we might be able to set the social on the banks LOL, now thats a turn up for the ordinary person.
its also werth noteing that theres a thread on here i bumped(i cant give you the direct link as my browser (advanced browser) lost all its open 64 pages and reset its bookmarks today ARRRR)
that mentions getting an injunction against A&L to stop them closing your accounts for being difficult and asking for your money........
dont let the banks close your account until YOUR ready
Re: im so fed up of the alliance and leicester im sitting here crying
charge of £25 then another for £25 which makes my new total £88.13 OD this is from the 22 - 28th of sept I then paid in £420 and I received a statement today with yet more OD charges added for another £50 because the other OD were up until the 11 sept and the new ones are from the 12th so in total for going OD by 3.87 they have charged me £137.87 I cannot believe they can get away with this ? on top of this after speaking to customer service I was told if I wanted a copy of my statements it would cost wait for it £5 per statement madness Mike
Reply With Quote
Re: im so fed up of the alliance and leicester im sitting here crying
Originally Posted by Mike2098
Lily 
Re: im so fed up of the alliance and leicester im sitting here crying
Ben-e-fit, any details or a link on how to access the 'Blue Book' online, that 'Tome' contains very useful & helpful information on benefit legislation for claimants but is not openly publicised as being available to the public. Had access to it once upon a time in the early 90s but no longer working in that area myself. 
"
) 
all its open 64 pages and reset its bookmarks today ARRRR) 
