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
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Right...I am about to start claiming back £165 worth of charges from A & L that have mounted up over the last year...
I know to some this may not be worth bothering with, but as a mother of 5 it is a lot to me.:grin:
The final straw came last week when due to a genuine mistake, a cheque I wrote was refused due to insufficient funds in my account they charged me £34. I was on holiday and didn't realise. By the time I got home they had reissued the cheque ( within 3 days) and they have given me another £34 charge.
I phoned them and they have removed the last charge but I am sick and tired of them thinking they can help themselves to money that isn't theirs..Leaving me in a mess everytime to clear up...I am on benefits and a very tight budget....So £34 at a time takes me a few weeks to get straight again...
Anyway enough of my ranting...
I have another account opened at Natwest and am about to get my Direct debits and income payments transferred to my new account...
Anyone out there got any ideas of an easy way to transfer my DD's and income payments to my new account...?
Also, am I right to say that my next step after this is to write to my bank asking for my charges to be refunded...
I know this is a premature question but I am going to need a lot of help with this as I suffer mental health problems and need to know I am doing this right as the less stress the better for me
we also have just opened parachute account with Natwest. They will do all the leg work regarding Dd and income. they will write to a & l get details and set everything up then close old account if you wish.
Thanx Tracey...I have a step account at Natwest as I had to enter a debt management plan to help me with my debts that my illness caused..I am not allowed just any bank account now due to my history.....Haven't heard of a parachute account though ..But I am sure they will sort my bits whatever account I have...? Thats great I will pop in and see them I think...
Thanx a million x
Hi
I am just about to get started reclaiming my bank charges from over 2 years, i don't know how much they have charged me, but i am going to try. Wish me luck. I have been on the site for ages but have just got enough courage to post the 1st letter.
Thanx Tracey...I have a step account at Natwest as I had to enter a debt management plan to help me with my debts that my illness caused..I am not allowed just any bank account now due to my history.....Haven't heard of a parachute account though ..But I am sure they will sort my bits whatever account I have...? Thats great I will pop in and see them I think...
Thanx a million x
Hi, bigsister, welcome to the forum.
A "parachute account" is just one that you have opened before you jump!
In other words, you are advised to open another account before you claim back from A&L cos they close your account when they pay up.
You've already done this, so you are ahead of the game. Well done.
Hi
I am just about to get started reclaiming my bank charges from over 2 years, i don't know how much they have charged me, but i am going to try. Wish me luck. I have been on the site for ages but have just got enough courage to post the 1st letter.
Karen:o
Hi, Karen, welcome.
Find one of the "NEW THREAD" boxes on the A&L forum's contents page (don't know if it has an official name and I can't do links I'm afraid), and start yourself a thread.
You can use it to keep us posted on your progress, or if you need to ask for any advice along the way.
It doesn't need too much courage to post on here really - after all it's quite anonymous when you think about it. The real courage is taking the leap to claim back your charges - it's great that you have found the courage to do that - you wouldn't be here otherwise. So a big WELL DONE to you for that.
My first steps
and didn't realise. By the time I got home they had reissued the cheque ( within 3 days) and they have given me another £34 charge.
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Re: My first steps
Fizzer 
Originally Posted by bigsister
