consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Alliance & Leicester

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?


Welcome to The Consumer Action Group

and
The Bank Action Group


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.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 16th November 2007, 19:32   #1 (permalink)
fbnts
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 187
fbnts Novitiate
Default FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Hi All,

I have been assisting my Aunt with her claim. A&L sent a part payment some time ago, we continued with court action and their defence was struck out (They failed to provide their evidence 28 days after we supplied ours)

The court hearing was still to go ahead and after attending, and A&L failed to attend the judge ruled in our favour.

However, they have submitted an application to set aside!

We now have a hearing next friday for a "hearing for permission to appeal". From what I can understand, this hearing is only for the judge to decided weather to allow their application to be considered?

Here are the docs:

Hi,

The court has wrote back. Their appeal has been accepted.

Here are the documents that we recieved:

















In the appeal they say that they don't understand why their defence was struck out after the judge read their request to stay the claim. I am pretty sure its because they failed to submit their paperwork with 28 days as per the order back in may/june.

Is there anything we can do? can we appeal their appeal being granted? Do we need to attend the appeal hearing - its in Nottingham, or can we have it transferred to Chesterfield?

Tom
fbnts is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th November 2007, 00:01   #2 (permalink)
Lula
Platinum Account Customer
 
Lula's Avatar
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

I would be inclined to object to the stay, basically they should be complying with the courts direction, they havn't done this, essentially, the DJ will probably stay the claim and grant the set aside, but you never know, he obviously got the hump with them so it is worth a go. but i wouldnt get your hopes up.
Lula is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th November 2007, 09:38   #3 (permalink)
fbnts
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 187
fbnts Novitiate
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Thanks for the reply. I was looking through all the paperwork last night and drafted the following:

Quote:
Dear Sirs,


I would like to object to the appeal made by the defendant being granted.


I shall be attending the hearing dated 23rd November 2007 along with the person assisting me with my case and pre-emptively wanted to provide the following statement prior to the hearing.


In response to the defendant's grounds for appeal I would like to express my concerns;


As far as I am aware the judge struck out the defendant's defence on the basis that they failed to comply with the courts directions dated 6th June 2007 in which the claimant was ordered to provide a schedule of all sums claimed and any evidence the claimant wished to rely upon.


The defendant was ordered to, within 21 days thereafter supply to the court and defendant a response to the schedule and any files the defendant wishes to rely upon. Failure to do so is clearly stated that their defence would be struck out without further notice.


Furthermore, the defendant's request to stay the claim does not alleviate their obligation to comply with the courts order and as no stay was granted their response was expected.


It is therefore my belief that the decision to strike out the defendant's defence was correct.


If the appeal is dismissed, I would like to ask the judge to consider awarding the claimants costs involved in attending this hearing.

How does that sound?


Tom
fbnts is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th November 2007, 19:34   #4 (permalink)
fbnts
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 187
fbnts Novitiate
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Just to update the thread, we had our day (well over 2 hours in court!)

They were granted the appeal on a technicality;

They claim they didn't receive our bundle and as we had sent it to the Alliance and Leicester and not Wragg and Co, their solicitor found the bit in the CPR that states that it should have been delivered to them directly.

The judge fought for us and really tried not to allow the appeal but his hands were tied.

He blamed A&L and Wragg & Co as A&L had continued to write directly and even attempt settlement with us and he said it was clear how we could have filed it incorrectly.

In his summing up he completely slated A&L and Wragg n Co and moved on to awarding costs.

He awarded us the travelling costs as it was in his opinion that it was their fault ultimately that we had to attend the hearing.

We came out deflated that we had been nudged back to step 1 but still felt that the Judge was truely sympathetic and it was quite clear his view on the bank charges situation.

We now have to wait for the test case outcome.

Tom
fbnts is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th November 2007, 19:42   #5 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Really sorry to hear your news

unfortunately the law always seems to lean towards the defendants by giving them extra time etc - and they can if they wish rely on the original defence without producing a "bundle" whic is what the A&L always did - as they had no intention of ever defending a case.
I suppose there is not a hardship claim here is there ? In which case you can keep fighting?

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th December 2007, 01:29   #6 (permalink)
fbnts
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 187
fbnts Novitiate
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Well all is not lost - just need to await the OFT test case.

One interesting thing the judge did say was his apparant approval that we had racked up A&L legal bill!
Its amazing, the outstanding balance on the claim is around £600 yet A&L must have spent a lot more than that in legal fees!

The judge even stated that he was amazed at how A&L have opted to waste more money on legal fees than simply settle the claim.

Tom
fbnts is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st January 2008, 15:34   #7 (permalink)
fbnts
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 187
fbnts Novitiate
Default Re: FBNTS' Aunt ~vs~ Alliance and Leicester - Got judgement but they are appealing

Just an update, the A&L were ordered to pay us costs of around £48 within 21 days.

They have not paid this either. What can we do to recover these? Can we apply for enforcement?

Tom

Last edited by fbnts; 1st January 2008 at 15:39. Reason: Spelling mistake
fbnts is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
myself v Alliance & Leicester granny50 Alliance & Leicester 15 4th October 2007 01:44
help with alliance and leicester scatcat Welcome to the Consumer Forums 3 30th July 2007 20:15
Alliance and Leicester - what next? paul26may Alliance & Leicester 3 7th June 2007 14:39
Alliance & Leicester Next maddyrose1664 Alliance & Leicester 9 9th March 2007 11:58
Hello I'm New - Alliance & Leicester girlie12 Welcome to the Consumer Forums 1 27th July 2006 02:02




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.