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.
Back at the end of March I sent my letter requesting my statements. A month later (38 days) I called to check on when I was going to recieve my statements. The lady told me that they had not recieved my letter yet! but she would arrange for them to be sent within the following few days. It is quite funny this bit, a week later I called back to say that I had not recieved them, another woman (who was not friendly at all) explained that it would take another 40 days to process! I got home from work that evening, and my statements had arrived (and I hadn't been charged!)
I spent the evening going through them, and I found just under £2500 worth of unlawful charges. I sent the first letter to A&L (recorded this time). Within a week I got a reply, it was the bog standard, not going to refund letter and the complaints leaflet.
So I sent the second letter, demanding my money back. Anyway 3 weeks later (today) I have recieved the reply. They say that they believe that the charges are right, and that going forward I should adhere to them. And in light of the current trading standards investigation, they are willing to offer me £331. It then goes on to say that they deny the rumour that A&L shut down accounts when customers ask for their charges back, so not to worry (although before the first letter, I have opened another account - just in case).
Do you think I should write back and say that this is too small, and that I want at least 50% of my charges back (or try and get the whole lot), or do you think A&L are toughening up, and it may be easier (and more of a guarantee) to take this small amount?
As everybodys circumstances are different only you can decide whether to go on - try reading all the recent threads under the A&L about the offers received . There have been several successes under other bank forums in the last few days and there is a big multiple hearing in Hull on 4th July.
Personally I have decided to proceed. As the only cases the banks have won were down to insufficient preparation or the claimant not appearing in court.
Just spend more time reading before you decide what to do .
Welcome Karen ..............Send your courteous rejection letter,study the CAG website - this forum, file your claim and carry it through to its conclusion (my advise only of course).
You will be helped in your moment's of need by the CAG members, this has been my experience.
Karen V. A&L
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..............Send your courteous rejection letter,study the 
