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The Bank Action Group - against unlawful bank charges
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Alliance & Leicester Meet other A&L Bank customers who have also been faced with excessive unfair bank charges. They FSA see A&L as one of the weak links in the present bank liquidity crisis. Is it you or the A&L which is spending beyond their means?


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 14th August 2007, 15:51   #1 (permalink)
skyrocket123
Classic Account Customer
Default help needed please! what next?

my friend won against a&l two weeks ago. the judge struck out their defence as they didnt turn up to court. the judge said they had 14 days to pay up.
yesterday was the 14th day so today my friend phoned their solicitors who told her they won't be paying and will be appealing the struck out defence.
what should she do?
it seems so unfair for her that they don't even bother to turn up and then can do this.
what next?
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Old 14th August 2007, 17:35   #2 (permalink)
Woolleykat
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Default Re: help needed please! what next?

Received letter from local court with hearing date for Oct 1st for hearing of strike out issue, A&L objected to Judge wanting to strike out and put in a 3 page letter by fax to the court -(I had to ask for a copy from court).

A&L gives a point by point argument main bits - The Defence sets out a valid Defence as matter of law. A party who has a bona fide Defence in fact and law, and is able in good faith to sign a statement of truth, is entitled to pro9ceed with its case. Those requirements have been met here, and there is therefore no basis for the Court to make an Order suggesting that the Defence should be struck out.

They raise the case of Berwick v Lloyds TSB bank and included a copy of the judgment (not to me)

The Court bases its Order on assumption that the Defendant has settled all previous claims of similar nature. this assumption is false and there is no evidence before the Court upon which such an assumption can be made. Even if it had settled all previous claims its basically saying each cas on its own merits etc.

Court must decide cases solely on evidence received in the case, produced by both parties and not on his own recent searches or personal assumptions. Saying this was broken in Court order of 9th July. No factual basis for courts assumption that Defendant has settled all previous claims of a similar nature (the all was underlined) and that there is no such evidence from the Claimant.

Court asked for Defendant to file a statement setting out list of all claims it has pursued to trial and all claims it has settled of a similar nature the that brought about by the Claimant. They say they are unable to do that because of client confidentiality and quoted data protection act 1998 and that the claimant has no entitlement to seek details of defendants other customers and in particular those other customers who have been unable to run their current account without incurring unauthorised overdraft fees.

Likewise for the court the details of other customers sought by the courts order of 9th July is not relevant to the matters in issue in this claim.

The material being sought appears to be material for the courts own purposes in seeking of the courts own volition to justify a strike out of this claim without hearing the merits of the arguments as a matter of law. It is objectionable on that basis.

Hi Skyrocket - this is a slightly different tack that A&L are doing, I didn't get to the 'win' stage, I assume they will use a similar letter for your friend. I'm carrying on whatever. Suggest that your friend ring the court and see if they can do anything or give advice as they gave the 14 day time limit.
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Old 14th August 2007, 19:49   #3 (permalink)
skyrocket123
Classic Account Customer
Default Re: help needed please! what next?

hi woolleykat
she is going to phone the court tomorrow as the 14 days are up!
she tried on numerous occasions before the court date to settle but their solictors are so incompetant that even getting a phone call back from them is a mirace in itself.
the guy who told her that they were appealling it sounded about 10 she said and didnt seem to know what he was talking about.
how long do they have to appeal the decision from the day of the strike out?
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Old 15th August 2007, 10:36   #4 (permalink)
Woolleykat
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Default Re: help needed please! what next?

Not sure but I think it's the magical 14 days from issue.
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