Ok what next????

[metrofire]

Hi
I have a bit of an unusual one I think, but enough of my personal problems I requested my last 6 yrs of statements as per the forms on moneysavingexpert.com, and got no reply, I then sent a letter asking they repay the 5000 which I estimate is near the figure owed and saying the next step was court.

I have begun suing on moneyclaim website, and today they have offered a 724 quid as full payment.

My question is I stated on the moneyclaim paperwork that my claim was an estimate of 5000 including costs and interest, but without the statements I am unable to prove this amount, what should I do?

Should I accept the 724 or go to court with my estimate? or insist that A&L now give me disclosure of the statements?

I have read through a few forums but most people seem to have been supplied with statements on request I wasnt, but thought push on with legal action as it is an easy stalling tactic by the banks.

Any advice welcomed

Cheers

Gerry

Furthermore I have filed a complaint with the information commisioner who has emailed saying they will contact A&L about failing to supply statements, and I have proof of postage etc etc on all paperwork, so they cant say they didnt get anything.

[jansus]

Hi

I have only read of one case on here that suceeded on an estimated amount of charges - the main advice is to persevere with trying to get the information on the Subject Access Request which they are obliged to provide for you .

If you think the amount is higher than what you have been offered why not spend a little longer and get what you are entitled too?

I would suggest first going to FAQ and then step by step instructions there are letters abot non compliance with the Subject Access Request.

The whole thing takes lots of time whether through court action or FOS so patience is needed. But this is a self help site so ant final decisions are yours . Also read our threads ib this section and the sub forum "successes"

Also try phone calls and getting heavy handed about the Subject Access Request info - as "most people "here have had them , although normally on the 40th day

jan

[metrofire]

Ok that makes a lot of sense, and I will send a reply to the offer they have made declining it as without the Subject Access Request I am unable to judge the offer, and I will further request they send the data.

Now having started with moneyclaim online, how do I change my estimated 5 grand to whatever I reckon it up to actually being when I get the statement?

Is that possible? or do I have to stop this claim and start a new one?

I just wished they had sent the stuff in the first place and I would know exactly what to do.

Cheers

Gerry