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 in urgent need of sets of terms and conditions for all Alliance & Leicester accounts past or present.
We are relying on YOU the members of CAG to make the effort to look out and send us your old T&C's. Every user must have something stashed away somewhere which may be relevant - ultimately this will benefit everyone. Please scan, preferably in PDF format, and send ASAP to the following e-mail address -
Primarily we want terms and conditions - but also any correspondance, publications or other documents which refer to Alliance and Leicesters charges as being defaults, penalties, imposed upon the breach of an account agreement, or that they exist to cover costs, etc. etc.
Let us decide whether anything is relevant or not - if in doubt just send it.
Anyone without access to a scanner please PM me for a postal address.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Re: URGENT! All A&L account holders please read....
Hi Gary: I have a set going back to 2003 (6 pages of it) , will scan and email them later today.
Mortgage Late Fees Claim Kensington 09
RBS S.A.R - Full settlement of £1,500 19/01/07. BOS-14K Sold to DCA- No CCA so no pay.
Loyds-TSB Pre-Lim Ltd Co business account. AMEX sold to CapQuest-then sold back to Amex.
Latest:Fought SD for 36K wonwith costs..
Mortgae Charges Claims
GE Money charges: Suspended Hearing March 2010
Kensington: Claim Issued March 2011
GE Money Home Lending: Defending Repo April 2011
Donate to keep this site open
Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.
Re: URGENT! All A&L account holders please read....
Fantastic, thanks!
Good start. I must admit the response from a simular appeal in the Lloyds forum was fairly dissappointing, so hopefully you A&L lot can put them to shame!
Re: URGENT! All A&L account holders please read....
OK, you should have them by now in pdf format.
If anyone needs it here is a free download for converting files to pdf
How it works is this, when downloaded you will have a pdf printer driver installed, you select your file to convert i.e. word or bitmap etc and then go to PRINT select PDF from printer OPTIONS away you go the file will convert to pdf and ask you what name to save it under and where.
Mortgage Late Fees Claim Kensington 09
RBS S.A.R - Full settlement of £1,500 19/01/07. BOS-14K Sold to DCA- No CCA so no pay.
Loyds-TSB Pre-Lim Ltd Co business account. AMEX sold to CapQuest-then sold back to Amex.
Latest:Fought SD for 36K wonwith costs..
Mortgae Charges Claims
GE Money charges: Suspended Hearing March 2010
Kensington: Claim Issued March 2011
GE Money Home Lending: Defending Repo April 2011
Donate to keep this site open
Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.
Re: URGENT! All A&L account holders please read....
Gary, the above email address? my mail bounced back. Trying it again. The file is too big have pm you a link to d/l from.
Mortgage Late Fees Claim Kensington 09
RBS S.A.R - Full settlement of £1,500 19/01/07. BOS-14K Sold to DCA- No CCA so no pay.
Loyds-TSB Pre-Lim Ltd Co business account. AMEX sold to CapQuest-then sold back to Amex.
Latest:Fought SD for 36K wonwith costs..
Mortgae Charges Claims
GE Money charges: Suspended Hearing March 2010
Kensington: Claim Issued March 2011
GE Money Home Lending: Defending Repo April 2011
Donate to keep this site open
Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.
Re: URGENT! All A&L account holders please read....
Excellent! Thanks for your help.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Re: URGENT! All A&L account holders please read....
Thanks Claire.
So far, so good! Anyone else?
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Re: URGENT! All A&L account holders please read....
Hi Gary
I am sending you a copy of a letter received from A&L where they refer to the charges as Default charges, also a copy of their defence from Wragge and co where they refer to the charges as administritive fees. Hope they help
Re: URGENT! All A&L account holders please read....
Caza,
That sounds like its extreamely relevant and very interesting - many thanks.
They don't actually come directly to me but I'll try to get confirmation they arrived.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Re: URGENT! All A&L account holders please read....
Sorry, had a rummage but I'm the opposite of a hoarder, I just chuck everything (that'll teach me). Just out of interest are you getting a better response from the A&L forum than you did from Lloyds??
HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed
HFC Bank Take 2 - Statements received
A & L - Prelim sent/LBA sent
Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent
A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected
Abbey (for my Sister) - ***Won***
Barclays PPI claim
Studio - ***Won***
HSBC - (for my brother-in-law) ***Won*** 8-)
Re: URGENT! All A&L account holders please read....
Er... difficult to say - definitely the first few days, yes, but its tailed off a bit yesterday and today.
We've had about 3 sets of actual T&C's (amongst other bits and pieces), which is around the same as Lloyds, but then the appeal has been up for longer over there.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Re: URGENT! All A&L account holders please read....
I dont have any A&L t&c or int & charges but am badly in need of some for pre 2001. I've tried copying a set of 1998 t&cs but they wont fully copy, hope you can help as my bundle has to be in by 28th june. Is it imperative that you have the right ones or will later editions do?
Jan
Jan
URGENT! All A&L account holders please read....
for all Alliance & Leicester accounts past or present.
to make the effort to look out and send us your old T&C's. Every user must have something stashed away somewhere which may be relevant - ultimately this will benefit everyone. Please scan, preferably in PDF format, and send ASAP to the following e-mail address -
Reply With Quote
not found any as yet, just got filing cabinet left to check
