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'm prepared to go to Money Claim online but was wondering if they're being this petty with everyone. It seems that £260.00 is only a small amount and it will cost them much more to defend in court.
A + L will only pay you out if you issue MCOL. What normally happens is they say they will defend the claim but then pay out anyway. Don't forget to add on the interest at the court stage. Don't know how old your charges are but 8% can make a difference. Your court fees are refunded too.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Woolwich Prelim Sent 5.12.2006 !!!
S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)
16.1.2007 £1000 offer rejected
LBA sent 31.1.2007
N1 presented to Court 15.2.2007
Won / Settled 2 days before court date
£5200 plus int charges returned.
All and Leics S.A.R - (Subject Access Request) sent 22.12.2006
2nd S.A.R - (Subject Access Request) sent 15.1.2007
Statements received
Prelim sent 31.1.2007
LBA Sent 15.2.2007
Won £1500 on receiving court date..
Thanks. I'm very nervous about the HSBC Claim I'm doing for my husband. I used the MCOL text from the moneysavingexpert site and I've just noticed it's different from the one on this site. I hope it is ok and I've not done anything wrong. It will be just my luck and I'll lose out on the £120.00 court fee I've paid, and poss the £100.00 AQC fee if it gets that far.
You'll probably get a letter stating they intend to defend, but you should then receive a cheque. Normally arrives on a Sat. morning!
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Hi Lucy
try not to panic, easier said than done though............
If you read through the forums, they do occasionally file a defence, but it is generally just to buy more time, then pay up........ I filed my MCOL on the 24/1, so I am just as nervous as you, but we both needed to do this, its our money thay have taken and we want it, and are entitled to it back.
Let me know how you get on, you may get your money this weekend.
Thanks for your feedback. I just don't want to be the unlucky one!!!
I'm sure it'll be ok though. At least with it being only £393 I won't have to pay out for the aq so I won't lose more than the £50 court fee!!
Yes I did. And I won. The court order stated "the defendant takes no issue on liability...." Which means, I guess, that they had to accept that the law on which I based my claim was correct.They were given the opportunity to make their defence, but as they had already admitted that they owed me money in their defence, the point was already made.It also suggests that they must accept that what they did in appling those charges was knowingly unlawful.
So dont worry about going to court. If youve done your paperwork properly you wont lose. Good luck!
Originally Posted by lucykirk2003
Hello everyone, I'm really scared now. Alliance and Leicester had till 10th Feb to acknowledge my claim, made on the 22nd of January.
Today they've submitted a defense. They surely must be confident they'll win if they've done a defense so early when they didn't need to.
Can anyone give me any advise please? Am I likely to be the test case we're all so nervous about.
Has anyone actually gone to court yet with Alliance and Leicester.
Am I worrying over nothing? Your help would be really appreciated...
They said they were going to defend my claim, but then paid up.I think it's a standard procedure.
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Congrats! Great feeling isn't it to know you've beaten them? Enjoy your winnings!
A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
CCA sent 1st Credit 11th August, reply 15th Aug
Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
Still to come: Cap. One, Time retail, HFC Bank.
Lucy v Alliance and Leicester = HELP!!
and they've refused to pay up.
Reply With Quote
Re: Lucy v Alliance and Leicester = HELP!!
. 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
Originally Posted by lucykirk2003
