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.
Applied to Alliance&Leicester for charges incurred for the last 6 years for myself and my wife's accounts. Let you know how I get on. Congratulations to all of you who have got a result and thanks for sharing your experience
A&L £1822+£488 Data Protection Act Request 5th May 2006(40 days up June 16th),
prelim sent 20th June lba's sent 5th July, moneyclaims filed 21/7/06
Citicard £189 DPA Request 5th May 2006(prelim letter sent 6th June)LBA sent 12th June,sod off letter received 16th June, moneyclaim filed 26th June.
Received DPA statements for myself and my wifes accounts(exactly 40 days).My wife goes back 3 years and I go back 6 years.In 2000/2001 A&L were charging £3.50 every day I was overdrawm and £10 per month. Can I claim this back?
Also I have read that A&L will close the accounts if a claim is made. We also have a personal loan with them(3 years left) can they call that in as well?
Any suggestions which 'parachute' account to open would be grateful.
Regards
Kev
Received Data Protection Act statements for myself and my wifes accounts(exactly 40 days).My wife goes back 3 years and I go back 6 years.In 2000/2001 A&L were charging £3.50 every day I was overdrawm and £10 per month. Can I claim this back?
Also I have read that A&L will close the accounts if a claim is made. We also have a personal loan with them(3 years left) can they call that in as well?
Any suggestions which 'parachute' account to open would be grateful.
Regards
Kev
Yes you can claim back the £3.50 a day. If the £10 a month was a service charge that you paid for running the account you can't claim it, but if it was a penalty for going over your limit then you can.
A&L will close your account if you claim, and you will need to do a Moneyclaim, but they have said on the radio that they will not go to court.
I have opened a Nat West step account as have a lot of people who do not have good credit ratings, but I am with smile and find them the best of any bank I have ever dealt with.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well 14 days are almost up since I sent lba, another £100 in charges have been taken since then. Can I claim that back when I do the moneyclaim?
Regards
Kev
Thanks, moneyclaims filed (myself and wife) 21/07/06.
Claim No 6QZ48225 for £1930.50 +court costs
Claim No 6Qz48227 for £488.16 + court costs.
I will keep you posted.
Kev
Hi Everybody
Received cheques Monday morning (myself and wife). A&L settled in full. Thanks for your help.
Keep up the good work.
I have made a donation.
Regards
Kev
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Lets get started **Settled in Full**
Applied to Alliance&Leicester for charges incurred for the last 6 years
for myself and my wife's accounts. Let you know how I get on. Congratulations to all of you who have got a result and thanks for sharing your experience
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Originally Posted by kevmaxthom
