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
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hi we are at the same stage- I actually have re-sent my SAR as did not do it recorded first time - so no idea what the total charges will be yet.
I have been reading all the other bank threads as well as FAQ in case it gets tricky - but seeing other posts today it looks as if A&L on the whole are fairly straightforward. fingers crossed
good luck , but are registered with online banking you may get your statements that way and slightly quicker!
__________________________ ________
HSBC Full offer accepted!!£3613.39
(Payment paid into bank 29/01/07)!!
_____________________
A & L offer recived in full
account threat of closure
reported to FOS 5/04/07
_____________________
Mint offer accepted in full
_____________________
Studio Pre lim sent 05/04/07
_________________
MBNA SAR sent
_______________________
Awaiting SAR doc from Creation finance
word of advice please make sure you read several threads and the FAQ's this will answer most of your question use Vampiress excel spread sheet as this will calulate all interest (including the 8%)
keep it upto date until you file your MCOL you can only add the 8% at time of filing MCOL but when sending letters pre lim and lba you add the overdraft interest only
have a good read you will find all the answers on the site best to look at success as this will highlight the surprises A & L will tryto put you of!!
GOOD LUCK
Vicmar
__________________________ ________
HSBC Full offer accepted!!£3613.39
(Payment paid into bank 29/01/07)!!
_____________________
A & L offer recived in full
account threat of closure
reported to FOS 5/04/07
_____________________
Mint offer accepted in full
_____________________
Studio Pre lim sent 05/04/07
_________________
MBNA SAR sent
_______________________
Awaiting SAR doc from Creation finance
I think you are - well I have as its a charge its not like the £5.00 a month fee for having an overdraft. I am sure i saw a list of what you can and cant claim for somewhere - its on here i think but there is a bit on the Martin Lewis site that says"
Yet when you go beyond your overdraft limit, or have a cheque or direct debit payment bounce, the bank charges a penalty of £30 to £35 a time. Is a charge of this scale really proportionate? Remember it could simply be a charge for going a penny over the limit." A bit further down he says that normal account fees cannot be included. So I would say yes that they are
what you can claim is
1, excess overdraft fee
2, bounced cheques
3, failed d/d or s/o
also debit intrest related only to the above
you can not claim arrangement fees or subscription fees etc
hope this helps
vicmar
__________________________ ________
HSBC Full offer accepted!!£3613.39
(Payment paid into bank 29/01/07)!!
_____________________
A & L offer recived in full
account threat of closure
reported to FOS 5/04/07
_____________________
Mint offer accepted in full
_____________________
Studio Pre lim sent 05/04/07
_________________
MBNA SAR sent
_______________________
Awaiting SAR doc from Creation finance
After receiving no payment following my lba, I have progressed my claim onto the courts.
I issued my MCOL on 02/05 for a total of £1,200 (inc court fee) and sent the schedule of charges onto the court.
I have today received a letter from A & L saying that they believe their charges are fair, blah, blah, and offered a measly £324.50 (chq included) in Full and final settlement.
Obviously i am not going to accept this and will destroy the cheque. Does anyone have any suggestions of a reply - i was thinking along the lines of 'i do not accept your offer and will only accept £1200.00, enclosing the schedule of charges' - is there any template i can use for this?
I have also received a letter from A & L Solicitors, confirming they will defend the claim. is this anything to worry about? anyone been through similar process and can advise what might happen next?
Hi, Exactly how it happened with me, http://www.consumeractiongroup.co.uk...53-hi-all.html
Try not to worry,i am waiting for a court date, a&l will dragg it out as long as poss, and wragge and co will try and save their client every penny but we will get there.
Jen
If this has helped in any way please click on the scales..
For rejecting offers see... http://www.consumeractiongroup.co.uk...ng-offers.html
As for how long, I sent my first letter in Feb. I claimed against Barclays and from start to finnish it took 6 months!!! I think it depends on getting a court date and sticking to your schedule but the banks have to drag it out for all those who dont follow it all the way through or settle to early offers.
Jen
If this has helped in any way please click on the scales..
Hi Tim, I'd just send it to Wragge & co. Definatly send a schedule everytime you send a letter, put on it 2nd copy, 3rd copy etc. they'll try to say they havent received it or your figure doesnt match theirs etc etc, but if they have had so many copies they cant argue..as much...
jen
If this has helped in any way please click on the scales..
ive got some other questions too that i could do with some help with if u get a chance. i started my own thread just hope i get this right im very new to all this!!
nicky
Hi Nicky, When you do your MCOL, use A&L head office address not teir solicitors. If you want to use their group legal it is....
Group legal (A&L)
custome service centre
Narborough
Leicester
LE19 0AL
Hope that helps..
Jen
If this has helped in any way please click on the scales..
Rogers v A & L
letter on 30/01/07 with the £10.00 fee.
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