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 have noted your comments that you believe the charges that have been raised on your account to be unfair, please be assured out charges are reasonable and are competitive with the charges made by other financial organizations.
The Office of Fair Trading (OFT) has commented that they consider the level of late payment charges to be unfair, however they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts.
Discussions are ongoing between the banks and the OFT regarding current accounts and once the outcome is known, Alliance and Leicester will participate as appropriate.
Given the above, I cannot accept you have been unfairly charged as you suggest. I regret, therefore, that i am unable to agree to your request for a refund of charges on this occasion.
I am sorry if you are disappointed with my response, but as the charges have been raised correctly in line with the terms and conditions of your account, they must stand."
So I guess this isn't the standard rejection letter? what should i do now?
Have a look at the FAQs and read a few posts - Get upto speed and you will see that you have received a fairly standard bog off letter, be prepared for another couple of them. then to issue a claim in Court and to have it acknowledged saying they are defending.
Then if it runs true to form (for everyone else) you should get paid. The timetable for payments varies, I am still waiting, they have until 20.03.07 to offer a defence, and it seemd that they are taking it to the wire. If you look at a coupdl of the other threads they have paid up more quickly. It may be coz I have hit them for over £4 grand
I looked at the letter that you sent, it says that you will go to court if they do not re pay your charges.
The steps here are a little slower, first a prelim letter is sent requesting the charges, then an LBA (letter before action) Then court.
If you are going to proceed to court have a look at mcol (money claim on line) you can do it all on line. The details of what to put on the claim form are in the library pages.
Before you go any further, you must get yourself a parachute account opened, as A&L will close your account if you take them to court.
Seeing as you are a bit out of kilter with the preocess as we on the forum suggest, you may consider sending them another letter giving them one more chence to pay up before taking them to court - see if you can customise our lba to fit your circumstances. It probably won't make too much difference to your claim, but at least it shows reasonableness on your part if it should go before a judge. (It never does, but it's a caution we urge on everyone as a 'just in case' scenario!).
Andy Vs A&L
of your account, they must stand."
Reply With Quote
Originally Posted by younganfree
