claim in against the Alliance!!

danni123 · 22nd August 2006, 21:22

I have today started an online claim against the Alliance and Leicester for £3500, and am so scared!!! i came accross this site whilst looking for success cases against banks!!! i wanted to know how long before they respond and what the response is likely to be!! any help would be great!!!

Aitken Brotherston · 23rd August 2006, 02:11

Have faith Danni.
Stick to the process and stick to YOUR schedule.
Their track record is to spin things out as long as they can. Let them.
They will say their charges are reasonable and in line with the industry - ignore it
They will possibly offer you a "good will" amount less than your claim. Accept it, thank them and tell them you await the balance on the original schedule.
Send your letters to the bank recorded delivery (signed for).
If you have questions, post them here - you will get plenty of excellent assistance.

caro · 27th August 2006, 13:13

Welcome aboard Danni. It seems that A&L are likely to say they will defend and will then pay up so I don't think you will have too long to wait.

AntonyInLondon · 27th August 2006, 13:16

Hi. what do you mean accept it/ and then tell them you want the whole amount. If you accept their lower offer, wouldn't that have to be in final settlement?

Thanks, Antony.

danni123 · 27th August 2006, 13:23

Hi, just to say, that there are sites out there, that want to charge 25% of your overall claim just to help you, and i nearly fell for that and then i came accross this site with all the free info!!!! i will be making a donation to this site when/if my claim settles!!!! regards Danni x

caro · 27th August 2006, 13:41

Quote:

Originally Posted by AntonyInLondon

Hi. what do you mean accept it/ and then tell them you want the whole amount. If you accept their lower offer, wouldn't that have to be in final settlement?

Thanks, Antony.

They might try and make it final, but all of the money was taken unlawfully so why should you accept it as final settlement? If I took £10 from someone and they caught me and asked for it back, I could offer £5 in final settlement. Somehow I do not think that would be accepted. Neither can the banks impose other terms like confidentiality. They just have to pay back what they owe.

We have all been guilty of thinking we need to accept the banks terms without question, but now we are taking charge and saying "No, that is unfair and/or unlawful. You can't do that". It takes some getting used to.

AntonyInLondon · 27th August 2006, 14:39

Thanks for that. Antony.

danni123 · 5th September 2006, 11:09

Dont know if anyone can help, ive worked out the interest wrong on my court claim, im not sure what to do now!!!!! please is anyone can help, thanks danni x

Michael Browne · 5th September 2006, 11:36

Wrong in what way?

You can amend the claim, but it will cost £35.

danni123 · 5th September 2006, 11:38

ive added the interst up to be about £700 too much!!!! i used the calculator but instead of using the total interest, i used the overall total!!! cant believe i was so stupid!!!!!!!!!!!

Michael Browne · 5th September 2006, 11:53

Right, even the bank might spot that!!

Phone the court, explain the situation and they'll tell you what you need to do. It's not a disaster, just another £35 (not reclaimable) and a further delay.

danni123 · 5th September 2006, 11:55

Thanks for that Michael, i thought it would be a disaster!!!!! danni xx

caro · 6th September 2006, 01:41

Stick to one thread danni, and make sure you double check everything before you amend your claim.

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