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.
I consider it a great victory today, but in truth a travesty where common sense has failed.
Alliance and Leicesters dogmatic approach and continual lapses of denial turned a simple breach of £16 into a farce of £105.02.
I received a letter today from Optima legal services along with a cheque for £105.02 in settlement.
It contains many inaccuracies which I feel compelled tp reply to:
Firstly it states that our client, Alliance and Leicester takes issue with your claim on a number of points:
1) The claim appears to be based on the argument that you should not pay any charges at all.
Denial by A&L, I have never suggested that there should not be a penalty, only a fair one. If A&L responded postively at the outset all this could have been avoided.
2) Even if it were correct (which is not accepted) that the charges were greater than A&L actual loss in dealing with your account.A&L is still entitled to charge you something for the expense.
I (and every other CAG member) have asked the banks for detailed informatiom about the way they charge.We have given them ample opportunity to produce this,. so that they may 'justify' the charge actually reflects the cost. THIS THEY HAVE FAILED TO DO and why, because simply they cant ( A&L dont actually send out letters of charges, you have to wait for the statement to appear)
3) However, our client is mindful of the further expenses of pursuing this matter through the court and has therefore decided in this instance to settle the claim in full.
This obviously is denial again, its not the principle, but the cost.
If the Banks really believed thier charges are fair, why have they settled so many?.
I think that says it all.
Today I will be going in to town to close the account and withdraw the £5.16 thats hopefully still there!? and depositing the cheque into the new account (which incidently told my wife they were not allowed to charge more than £12 for account breaches)
Alliance & Leicester in denial BUT cough up!
member) have asked the banks for detailed informatiom about the way they charge.We have given them ample opportunity to produce this,. so that they may 'justify' the charge actually reflects the cost. THIS THEY HAVE FAILED TO DO and why, because simply they cant ( A&L dont actually send out letters of charges, you have to wait for the statement to appear)
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