gypsum v A&L

[gypsumsif]

hello all,
ive been active over in the debt collectors forum, and now im making a start on our bank charges.
ive printed out the first S.A.R - (Subject Access Request), it'll be sent tomorrow.
i'll post back with my progress.
any help and tips would be appreciated.
thanx.

[gypsumsif]

got my stuff thru a few days ago.
having gone through it all, and making a spread sheet, it seems good old A&L have had 6.5K off us in just over 3 years.
i'll finish the spread sheet and look for what my next step is.

[thiopentone]

Hi gypsum time to get your charges back your next step can be found in the bank templates library letter 2 the preliminary approach for repayment of your charges adapt it to suit your circumstances and attach your schedule of charges without the 8% interest goodluck with your venture

[gypsumsif]

tnx for reply.
prelim sent off today.

[bsia666]

Hi gypsumsif

That's a lot of charges . Your were looking for tips here are my two pennies worth.................... .......

I am very unorganized in general but for this caper I have had to be much more organized (still poor though).

Photocopy all your statements 4 times (one copy in another house), its a lot I know!! Place your originals in a very safe place. In the worst case scenario bank charge claimants may be waiting years for the test case to reach its conclusion and if you lost the originals or misplaced them the A&L may have destroyed the info on their files, this could possibly leave you without statements for the court process. Paranoid I know.

If you have not already get ring binders sorted for all your correspondence, as the letters go out and come in, photocopy them x 4 and file them.

Buy Judge Patricia Pearls Guide to the Small Claims Procedure, I dont read much at all but I got through it quickly, there is a lot of info to help you.

If your are skint like me then buy postage stamps as you go along and spread the cost of postage, (special delivery cost me £30 for my court bundles)

Always get receipts for any costs involved in your claim like Library receipts or envelopes................ ........it mounts up to scary amounts and you may be able to get a wasted cost order from a friendly judge.

All the best for your claim!!

William.

[bsia666]

Read as many threads as you can on this and the other forums as you will pick up a lot about bank charge claims from them.

William

[jansus]

good advice from william as usual

we all think we may not get to the stage of needing a court bundle- but trust me if you do it as you go along its a lot easier than having hundreds of pieces of paper lined up all over your lounge floor!

Jan

[gypsumsif]

thank you for the replies folks.
i'll get organised, and bsia... just cos you're paranoid, dosent mean their not out to get you.

[gypsumsif]

reply from A&L after prelim. is the new usual reply?

[gypsumsif]

sorry, but ive just been reading thru some threads re the test case that's going on.
the general consensus seems to be... stick to time limits and so on.
so my next letter to send is the LBA, this is done after 14 days? my prelim was signed for at their offices on the 21/08/07.
i just need confirmation please.

[j.barton1]

Hiya, I received the same letter on Friday, my claims been on the go since January so it must be just the standard letter
Jenny

[gypsumsif]

sorry I've not been about for ages! we managed to get away for a while as a family for once!!
anyway, im just trying to catch up on how people are getting on, it seems that MCOL claims are getting automatic stays, and the situation is still unclear at my local courts (Epsom or Reigate).
unless somebody replies to the contrary, I'll carry on as normal, I'll type up the letter before action and get it sent off on Monday.
it's hard to read thru so many threads to catch up on current things. i'll read some more and update any changes i make.
one thing that keeps niggling at me.... is that im claiming 6.5K, i know that claims over 5K mean something, but cant think what. any ideas please?
paul.

[jansus]

i think that you cant go small claims track?

Jan

[gypsumsif]

tnx jan,
is it easier to go via the small claims route? and is it too late to break it up into two separate claims?
ps i have to spread it about a bit before i give to a tikkle jan

[jansus]

Claiming just over £5000 before interest help!!!

here is a thread that might help

also try putting fast track - or claim over £5000 and you may find some more comments

[gypsumsif]

tnx for the link jan. looks like im going for gold then

[gypsumsif]

down at the bottom of my debt collectors ring binders, lies the start of my struggle against the A&L.

1. S.A.R - (Subject Access Request) request.
2. preliminary approach with break down.
3. their standard bog off letter. wait for outcome of case etc.

Thats all i have, i didn't send the LBA. as my charges were for £6464. it was a bit big for the small claims track, and that threw me, whether or not to break my claim up into lumps. but, will that matter now? is it not right to think that i should just send them an invoice for the full amount .

i want to get started on this again, as i can foresee a huge long line of people banging on the doors of their local branch. i notice that the templates library is down while they are updated. would it be your advise to wait for these to come back?

any help and views would be appreciated.

[gypsumsif]

edited the new prelim letter, going to post it in the morning. ive gone for the full amount £6464

[sea-sidelady]

Glad to see your back on it again.

[gypsumsif]

glad to see us all back on it