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.
Hi all - Today I came to your site and so glad I did. I feel enpowered from the knowledge of you guys. So firstly, a big thanks.
I am sending tomorrow the "Data Protection Access Request" to the A&L and am probably looking at at least £5k of charges over the last 6 years but could be considerably more !
Thanks guys also for posting a list of 'parachute accounts'. After 5 minutes on the phone - Iwas accepted for a Cashminder account via Co-operative Bank. At least it means I can have an Electron card etc as the Abbey Cashcard account was all but useless.
It's been a while - so thought I'd update you......
2nd Feb - sent my DPA Request with a postal order for £10 - on the 40th day, I telephoned them and politely told them I was going to complain and take the matter further having not received my statements. Amazingly, a manager 'managed' to look into the matter AND call me back one hour later !!! Sincerely apologetic and said they would be in the post that day. Sure enough - following day a huge bundle arrived...... totalling £4,635.00 charges !!!!!!!!!!!!!!!
21st March - PRELIM sent - recorded delivery - signed for on the 22nd. Low and behold, no acknowledgement in any shape or form but biding my time
4th April - lba sent - recorded delivery - signed for on the 5th. Low and behold, you'd never guess - no acknowledgement to date.... but once again, am biding my time.
Week today and I will be filing my N1 and will get an extra 8% on the lot - totalling over £5,500.
Due to not having any money - wonder why ! - I am going to the court in person, am in receipt of Working Tax Credits, so have preliminary filled in from the site links the EX160 which exempts (hopefully) me from paying court fees. Also filled in the N1 form. Telephoned the county court and they were extremely helpful, don't need to get the exemption form filled in first (even though it says so on the court form) - take it all in together and gets filed.
It's frustrating not getting a reply from the bank but bigger fools them, they will have to pay an extra £900 or so in charges when they could have paid up sooner. Will keep you guys posted !
Went to the Court yesterday and filed claim. They are very particular about payment. You have to be in receipt of Working and Child Tax Credits but thankfully I was. However, because the new awards haven't been sent yet by the Inland Revenue, the Court wouldn't accept last years notices and insisted on seeing a bank statement. Thankfully, I had one in my bag so they are now processing the claim.
Within 5 days both A+L and I should be written to and then its the waiting game again. I will keep you posted !
Phoned the court yesterday - taking at least 10 working days to be written to, the lady there asked me to wait until the end of the week and then chase again. So still the waiting game !
I filed my claim on the 3rd May and I received 2 days ago from the A+L solicitors - saying they are going to defend.
Today I received the pack from the solicitors (defence pack) and also under separate cover a cheque from A+L for £2446 - I am seeking £5500 (incl 8% court interest).
They have sent with the cheque the standard letter saying that OFT think £12 per charge is reasonable (but I notice that the wording is for credit card charges - not bank). They are obviously trying to scare us.
Thank goodness for this site. I have returned today the cheque torn in 2 with the rejection letter number 5 on here and now we shall sit tight again. I will keep you posted.
Friday 25th May - AQ received (form 150) from the court. I filled in as per the help and advice from here and attached my Draft Directions.
Saturday 26th May - posted the originals to the courts - copies each to Wragge & Co and A+L.
Waiting game again then !! Looking at other threads posted, it seems that when I get to the alloted time for Wragge & Co to send in their AQ, start phoning the court and asking possibly for the court to make a judgement. However, it seems that the courts give the defendant virtually 4 weeks in total to respond but I suppose worth chasing.
Just hoping that Croydon county court isn't as busy as some and I get a court date sooner rather than later - would hate to have to wait until August or September.... so far off and I just want to get it done and dusted now.
You'll have to wait and see if the court decide to use the draft directions before you can ask for judgment, and that won't be until the judge looks at both aq's.
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.
Vintage72 v A&L
but could be considerably more !
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Re: Vintage72 v A&L
