Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 20th March 2007 11:58 #1
    happyapple happyapple is offline
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    Default confused michelle v alliance & leicester

    I sent my first letter on december 21st and then a chase up on jan 25th. They completely ignored both my letters but i'd sent them to my local branch. So I started the whole process again this time sending the letter to Bootle on 9th February --- they have COMPLETELY ignored me again..... I dont know what to do next, I havent even got a copy of my statements

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  2. 20th March 2007 12:06 #2
    martinhw martinhw is offline
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    Default Re: confused michelle v alliance & leicester

    We had the same problem with Argos. Click on the link below it may help.

    http://www.consumeractiongroup.co.uk...light=martinix

    Lloyds TSB (C.Acc) **WON - Fully Settled**
    NatWest - £1367.96 - N1 Filed - AQ Compl
    Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected
    Lloyds TSB Credit Card - £373.48 - N1 Filed
    MBNA Credit Card - £791.52 - N1 Filed
    Capital One - £746.67 - N1 Filed -** Settlement awaited **
    Halifax Credit Card - £836.12 - N1 Filed
    Paragon Personal Finance - S.A.R 15/12/2006
    Littlewoods - £834.43 - N1 Filed
    Barclaycard - £1145.00 - N1 Filed
    My Wife:
    Natwest Current Account - £1197.98 - N1 Filed at Court
    Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **
    Littlewoods - £1405.48 - N1 Filed
    8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)
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  3. 20th March 2007 12:07 #3
    tealady51 tealady51 is offline
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    Default Re: confused michelle v alliance & leicester

    Hello happyapple - have you written as per the Step by Step instructions?
    http://www.consumeractiongroup.co.uk...tructions.html
    did you send the cheque?

    Did you send your letter by recorded delivery?

    The step by step instructions together with the library are important tools in getting your money back, and all communication with the Alliance and Leicester should be sent using Special delivery or at the very least using recorded delivery.

    Hope this helps

    tealady

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  4. 20th March 2007 12:20 #4
    happyapple happyapple is offline
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    Default Re: confused michelle v alliance & leicester

    The cheque hasnt been cashed but the letter wasnt sent recorded.
    I'm sending another one today by recorded and will presume the 40 days has to start yet again.
    I have a feeling they will ignore me again but i suppose I will have to do it right ...
    thanks for you replies.

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  5. 20th March 2007 12:43 #5
    tealady51 tealady51 is offline
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    Default Re: confused michelle v alliance & leicester

    Hi - once you know that they have your letter keep them to the time table.

    If they have'nt cashed your last cheque make sure you cancel it, after all you dont want them to have more of your money then necessary.

    AS I keep being told, we need to be patient and do it all in the correct order.

    keep us updated

    tealady

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  6. 23rd March 2007 11:19 #6
    happyapple happyapple is offline
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    Default Re: confused michelle v alliance & leicester

    well suprise suprise ... the statements have turned up. I've just calculated £191 I really want this money but do you think its worth it as Alliance & Leices seem to be making people file court claim and then closing the account..

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  7. 23rd March 2007 22:11 #7
    Andrew66 Andrew66 is offline
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    Default Re: confused michelle v alliance & leicester

    I would carry on, don't forget that you can add interesticon at the MCOL stage. Open a parachute accounticon. Don't let them get away with it!

    A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.
    MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug. . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct
    CCA sent 1st Credit 11th August, reply 15th Aug
    Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.
    Still to come: Cap. One, Time retail, HFC Bank.
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  8. 24th March 2007 14:45 #8
    martinhw martinhw is offline
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    Default Re: confused michelle v alliance & leicester

    Hi

    Just remember that the £ 191 is YOURS not theirs and plus interesticon it works out to alot more. Dont give up. You are entitled to your money and all they want is to scare people off with court action. Dont let them use that scare tactic on you.

    Good Luck and keep going

    Lloyds TSB (C.Acc) **WON - Fully Settled**
    NatWest - £1367.96 - N1 Filed - AQ Compl
    Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected
    Lloyds TSB Credit Card - £373.48 - N1 Filed
    MBNA Credit Card - £791.52 - N1 Filed
    Capital One - £746.67 - N1 Filed -** Settlement awaited **
    Halifax Credit Card - £836.12 - N1 Filed
    Paragon Personal Finance - S.A.R 15/12/2006
    Littlewoods - £834.43 - N1 Filed
    Barclaycard - £1145.00 - N1 Filed
    My Wife:
    Natwest Current Account - £1197.98 - N1 Filed at Court
    Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **
    Littlewoods - £1405.48 - N1 Filed
    8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)
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  9. 9th April 2007 13:52 #9
    happyapple happyapple is offline
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    Default Re: confused michelle v alliance & leicester

    thanks for your support guys!
    I get a feeling that A&L are some of the meanest out there trying absolutely everything to stall and or refuse.
    I just got letter back saying 'NO'.
    ok ... onto the next stage I suppose.........

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