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've been doing some research into banking charges and found this forum so I thought detailing my experience with a claim may help others. I have just called Alliance and Leicester who offered me a 50% refund of the last charge incurred but nothing else. I am only making a small claim of £195 but it is the principle I am chadsing and not necessarily the cash.
I used a pre filled soliciter-written letter from here: http://www.bankcharges.info/
and have just sent it including my own details. I will let you all know how this pans out.
Good luck to everyone else trying to chase Alliance and Leicester.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Okay, so they've finally been in contact and claim that they believe their charges are fair and they gave me advance notice of them. They rather cheekily also inclided a paragraph stating that they will consider the matter closed if they do not hear from me within 8 weeks. Good for the, I consider it open until I receive my refund however.
As the letter I sent them initally contained all the information in the letter before action in the library and also pointed out that I reserve the right to commece legal action with no further notice should I just file a claim right away or should I write to them again and see if they just accept that I am prepared to go to court and settle before it gets that far?
I've opened an account with another bank and already transferred my direct debits and salary so if they close my account out of spite then it's no loss, just wondering what to do next.
hey there.
I have satrted court proceedings with AnL, after having read these forums over and over. The general consensus seems to be
1. Send a DPA letter (if required)
2. Send a prelim letter( ask for it back)
3. Send an LBA ( letter before action)
4. After the above, file a claim form!
To be honest im crapping myself at the thought of going to court, but if we all follow the same steps i reckon it should be ok.
If you follow the steps and stick to your time limits that you set.The Banks are paying out and do not want to go in to court but that does not mean that you shouldn't prepare yourself as we always say 'your case may end up in court' the best thing is to keep reading around as much as possible and learn.
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
Well, I've gone way over my time limit. I gave them 14 days and they've had a couple of months. I think I'm going to just start court proceedings right away then.
Ooh, quick question before I do file a claim. Which address do I use? Should it be the customer contact address they list everywhere or should I use the address registered with the FSA?
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
New claim being initiated
of £195 but it is the principle I am chadsing and not necessarily the cash.
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