MMG VS A&L "Give me back my money!!!"

[MMG]

Hello everyone!

After reading about the successes of many people in their fight to reclaim their money from the banks I have decided to follow suit and get my money back from the A&L.

I have sent off the letter requesting my statements by recorded delivery yesterday 1st/08/2006 so now the 40 day wait is on!

I am no expert in reclaiming back my money but I’m sure with the help of you all I will be fine!

MMG

[JonCris]

Originally Posted by MMG

Hello everyone!

After reading about the successes of many people in their fight to reclaim their money from the banks I have decided to follow suit and get my money back from the A&L.

I have sent off the letter requesting my statements by recorded delivery yesterday 1st/08/2006 so now the 40 day wait is on!

I am no expert in reclaiming back my money but I’m sure with the help of you all I will be fine!

MMG

Welcome MMG You will & you will

[caro]

Hi and welcome MMG. While waiting for your statements make sure you read the FAQ's, step by step instructions etc as the more you understand the easier it will be further down the line.

Good luck

[MMG]

Hi All, SInce sending My initail letter requesting my statements on the 1st of August They have still not arrived! I will get on the phone to them but is there another step i can take?

thanks!

[caro]

LBA for non-compliance in bank templates library.

[MMG]

The statements finally arrived on the last of the 40 days!

I've had a look through and the charges add up to nearly £900.

A few things that I would just like to get clear about which charges I can claim for.

1) unauthorised overdraft charge £25.00
2) Paid Item Charge £25.00
3) Monthly Overdraft Charge £25.00
4) Failed Cheque charge £29.50

Can I claim for all the above charges?? I think that Paid Item Charge refers to Failed DD charges??

Thanks,

MMG

[JonCris]

MMG claim for ALL of them They are ALL unlawful penalty charges. Also don't forget to add contractual interest compounded

[MMG]

Hi All,

I have now calaculated the Amount of money I am owed not including any interest at this stage to be £999.00. A&L have ripped me off for the last time!

I have sent the letter requesting back all charges together with a schedule of charges in spreadsheet format.

Again it was sent using recorded delivery.

Now the 14 days wait has begun............

Like always I will keep you all updated!

MMG

[MMG]

Hi,

It has been more than 14 days so now I will send the Letter before Action taken from the templates Library.

Like always I will keep you Posted!

MMG

[MMG]

It has been a long time since i last posted. But just to update you all I have filled the Money claim online form on Friday 11th May 2007 for a total of £1105 which was charges plus the interest.

Now its a waiting game to see how long it takes!

[caro]

I took a long time before I did my MCOL too, but it was quite quick then to get my cheque settling it.

[MMG]

HI,

The court claim was issued on on 14th May and will be deemed served on 19th of May.... The defendant has until the 2nd of June to reply.

I have just had a recent set back though, although the claim is still in process A & L have closed my account i think due to me missing more late DD payments and unauthorised OD that sort of thing and with the claim going on also they have closed the account and thier representatives have asked for the bank cards and cheque books to be torn up and sent back to them...

Although this does concern me a little will this affect my claim at all, I shouldn't think that just because they have closed my account that I am not owed the money they took from me??????

CARO, well done on claiming back your money! lets hope i get mine back quickly too!

[younganfree]

It will have no effect on the claim at all, MMG.

[MMG]

Thanks!

It idd have me a bit worried though. Now i guess i just wait for them to contact me about the claim.

[caro]

I gather that recently A&L are submitting proper defences so your claim may not be quite as straight forward, but if handled properly unlikely to be a cause for too much concern.

[MMG]

Hi All,

Just a quick update, The claim has now been acknowledged on 23/05/07..... Any advice on what i should do now?

[MMG]

Hi All,

Wragge and CO have sent a letter claiming that they intend to defend. I have not yet recieved the defence letter yet. On the MCOL website they have also stated that they intend to defend. So the whole process begins. Although i am intent on getting back my money the nerves are beginning to kick in.