help not sure wots next to do

sowhatever · 4th October 2007, 20:08

hi all
i am trying to claim back nearly £5000 from a&l for the last 6 years of charges.
i have already sent letters asking etc, and have now made a claim through mcol.
i received the norm letters from wragg ?& co and am wondering what i need to do next .
i did not send a copy of all my staements etc to the court so do i do this?
also how or when do i ask for it to be moved to a court near me. i did notice that my locl court is not on the list as 1 of the 1 who gets the case to stay. just wondering where do i go now
any help is much needed and gratefully received as im so stressed with doing this.

jansus · 5th October 2007, 18:08

Did you use the step by step instructions on here?

Which Particulars of claim did you use as there are new ones in the "sticky " threads at the top of the A&L forum.

All cases through MCOL are automatically stayed anyway .

So You probably wont have to send your statements yet anyway ( normally you would do this when transferred to local court.)

You will be in for a wait while the test case is pending by the looks of it.

Jan

sowhatever · 6th October 2007, 00:21

hi jansus
thanks for repling
i have already sent letter asking waited 14 days got reply back blah blah no u cant have the money
then i got a letter saying about test case , and thought right, just take to court so i applied to court by mcol, i have had like the defence stuff from wagg & co and i am just waiting now. then they said a few days later oh we are closing your account and said in other words pay back overdraft now.
not sure of wat to do know and wondered if i should send my statements etc to the court or just wait till it gets moved to my local one
thanks for all the help.
i know i prob got a while to wait after reading a few post and hopefully me local court doesnt stay it as i found reading some of those messages got me confused
so any help would be grateful
every ones in the same boat here and its amazing how many , these banks have prob made millions from all the people who have past the 6 yrs rule aswell its criminal really
well i wont rant on
thanks again inadvance to all you helpers

zootscoot · 7th October 2007, 17:58

Hi,

If they have closed your account you should make a complaint to the FOS. They are still dealing with complaints for account closures. You should also make a complaint to the FSA as this was precisely one of the reasons for invoking the waver to stop banks from taking retaliatory action. The FSA are currently reviewing the waiver so any evidence of the banks flouting the waiver agreement mwy result in the waiver being lifted.

You do not send your statements to the court just your schedule of charges.

All the best

Zoot

sowhatever · 7th October 2007, 21:44

hi zoot
thanks for your help .
i will start writting a letter then and send it to the fos.
do i send my schedule now to the court or wait till it gets moved , its just im not sure. again many thanks for your help

zootscoot · 7th October 2007, 21:47

When did you do your MCOL? Have you had a defence through yet?

sowhatever · 7th October 2007, 21:52

hi zoot
my letter of defence from wraGG & CO was dated the 1st oct, and then i received a letter frm northampton court to say they are wagg i mean are defending and thats all i have had so far

sowhatever · 7th October 2007, 21:55

when reading through some other people defence letters mine is much the same maybe 1 or 2 different sections but mostly the same.
will i send my schedule yet to northampton or wait.
as i noticed my court is not on the list where they just get them to stay , but reading some others ive notice ive prob got a long wait

zootscoot · 7th October 2007, 21:58

Have you had any confirmation through that the case has been transferred to your local court?

sowhatever · 7th October 2007, 21:59

no none at all

sowhatever · 7th October 2007, 22:00

im just trying to get ahead of it all , and dont want to mess it up as its a lot of money and i dont want to give them or wagg any money

zootscoot · 7th October 2007, 23:16

As you filed through MCOL once the defence is filed it is automatically stayed. You should get confirmation of this in the next few days. If you write to them and ask them to transfer it to your local court they will do this but you must request it otherwise it will remain with MCOL. You can send off your copy of your schedule with your letter of request for transfer and it will be added to your file when it is transferred. You will also need to send one to Wragg & co.

All the best

Zoot

jansus · 8th October 2007, 20:26

Hi Zoot

sorry to hi-jack the thread but wondered if you ha seen the thread from "annoyed" on this forum.

Thought the statement of how he had re-claimed his monies maybe of importance and relevance for other hardship cases?

Jan

sowhatever · 12th October 2007, 11:49

hi zoot ive been trying to send a private message to you but your box is all full up
ive just got my letter of stay mind you its dated the 4th oct.
i cant seem to find the link where you had a letter template to send to ask for the stay to be removed and to get it sent to my local court
please can you help

zootscoot · 12th October 2007, 22:26

See here:

http://www.consumeractiongroup.co.uk...-guidance.html

jansus · 13th October 2007, 11:41

Zootscoot

sorry to hijack thread but your message box is full

Can you please see a post on a new thread I have done today in general

just for comments please

thanks

jan

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