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.
We are about to embark on taking these stubborn buggers to court for around £1200 in illegal and unlawful charges. Questions is; Has anybody had their case settled BEFORE attending court?
One more thing, they closed my partners account in June of last year, citing their reasons as her having an association with me, hassling them over illegal charging etc, can we do anything about this?
We are about to embark on taking these stubborn buggers to court for around £1200 in illegal and unlawful charges. Questions is; Has anybody had their case settled BEFORE attending court?
One more thing, they closed my partners account in June of last year, citing their reasons as her having an association with me, hassling them over illegal charging etc, can we do anything about this?
Mornin, stevesmart36, soundin pretty angry there!
At the risk of getting my head bitten off, may I suggest you chill a bit as you're among friends here? We understand the frustrations of banking with A&L and the problems they've caused to a lot of people, both financial and emotional. The best plan of action is not to get mad, but to get even.
First of all you must never use the term 'illegal' in reference to the bank's charging system - it is totally legal. It is not, however, 'lawful'. So the term you perfectly correctly used above is 'unlawful'.
No, no-one has ever won their money back without taking them to court. You'll have to fight all the way. But you will get your money back as A&L stated last year that they'd pay back the charges if they were taken to court, but they'd then close the account as the customer didn't accept their terms & conditions. [People are now beginning to fight back on closure, but that is for another day - you need to get your charges back first.]
Did your partner make a complaint to A&L when they closed her account due to her association with you? If not, she can do so, then when that process is finished she can make a complaint against them to the fos.
As far as claiming back your charges is concerned, follow the tried and tested formula as recommended by the site. All the hard work has been done for you - all you have to do is follow it to the letter and you will receive a cheque a few months down the line.
Use your thread to keep us in touch with your progress or to yell for help if you need it.
Yes, you're right, I am angry, very angry. But not for the trauma that I have had to endure, for my partner. They gave her 30 days notice of their intention to close her account. She had a £300 overdraft which she lived in constantly. They demanded repayment of the money in 30 days. We were not in a position to do this, so they defaulted her credit file and accepted an offer of £20 per month. She receives letters from them regularly demanding she increases the payments, we just ignore them. I too have a default registered by these lovely people which, having won my court case regarding unlawful charging, I shall then start proceedings for defermation of character as these charges led directly to my obtaining the default.
hi
I have been searching for any letters that people have been sending to their banks complaining about account closure, as both my accounts were closed by A&L
Any ideas
A and L - Court Action
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Originally Posted by stevesmart36
