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.
further to last postings, I have today ( 7th november) received my bank statements for last 6 years and am currently wading through these to see what I can claim back. Original letter went 26/9/06 , and I sent a reminder 20 days later to remind them the clock was still ticking. None of my letters were acknowledged, so there was some heel dragging on getting me the information. Will be sending claim letter over next 7 days when i have studied the documentation and hopefully proceedings can start immediately thereafter! Not so worried now as the system seems to be working!
Send everything registered post. They will deny having received it otherwise. When it comes to the lba (and everything thereafter) use the Narborough address, not Bootle. A&L's internal communication is not that good, creaking under the weight of claims no doubt.
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
Thanks Guys for all the sterling help to date. the letter that came with the statements has stated that all communicationn should be done through Bootle, but having read the replies here, i think i will stick with the Narborough address. Both my previous letters were sent recorded delivery and I shall keep all communications on that also. Having now studied just a few pages of the documents sent, I found that they seemingly bounced a direct debit because I was 20p overdrawn, then that same day, accepted my wages into the account. reading oin to next month I found the bounced dd was charged at 32 pounds, that put my account into a further overdraft situation and they then charged a further 25 pounds for unauthorised overdraft fees, so the 20p cost me 57quid, plus the people the DD was to be sent to charged me afurther 10 quid for admin fees! I dont care what the cost will be now for court or anywhere else , i am totally committed to getting every penny back no matter what, and I want to thsnk everyone to date for their help and encouragement! regards, wavehopper
Having finally waded through all the bank statements which A& L kindly sent me completely out of sync, I have the figures I need to claim back. Am I right in assumming I can claim back the fiver to fifty pounds monthly they charged over 5 years for an overdraft facility, plus the 23p to 5pounds odds in interest every month? These alone ammount to well over 1,000 pounds so do i include this in the other figures which also come to the same roughly? Further do I need to itemise each of these when I send the letter for claiming? Thanks again for your help and the progress I have made to date could not have happened without your help. I cant wait to be in a position to donate to the site and am looking forward to getting the whole debacle cleared away! Thanks again Wavehopper
I am currently in the process of doing this
did you claim for the £5 p/m charge for have the O/D facility?
Hi Nick,
I had the same question regarding the £5 p/m charge. Was told that this was a legitimate charge for your agreed overdraft facility. I left this out of my claim.
I claimed all the charges on my account legitimate or not. I dont believe they will go to court in any case .I am at the second on your bike stage from A&L and am now about to do the small claims court. I am recalculating the charges and added interest before proceeding.I am not being greedy, I am being absolutely livid that a bank could treat a loyal customer in the fashion they have, and then try to condone it all in letters that basically state they think the charges they are applying are in order because other banks do the same!! Will let you all know how it pans out!
hi im quite new, have been wading through website for a couple of weeks now, but am still quite dizzy, ive sent my SAR to a & l on the 29th jan and im still waiting for statements, should i send reminder or wait full forty days. Please help!
Alliance & Leicester
and am currently wading through these to see what I can claim back. Original letter went 26/9/06 , and I sent a reminder 20 days later to remind them the clock was still ticking. None of my letters were acknowledged, so there was some heel dragging on getting me the information. Will be sending claim letter over next 7 days when i have studied the documentation and hopefully proceedings can start immediately thereafter! Not so worried now as the system seems to be working!
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