Successful Claims

[fedupwithripoffs]

Hi SamI wrote to them again stating that I would be taking court proceedings, left it for 5 days and then lodged a claim using the On line Claims facility; they responded to the court they would be fighting the claim and rescinded at the last minute and sent me a cheque.I hope this helps and Good Luck

[Sam Hammond]

Hi Thank you for responding. Could you tell me which letter you sent to them before starting court action?

Thank you

[fedupwithripoffs]

Hi SamI did not use a template - from memory, all I said was something to the effect that "I consider I have been fair and reasonable in trying to settle this matter amicably. I now intend to invoke legal proceedings to reclaim these illegal charges"I hope this helps

[lou15a]

Hi Sam, I had the letter you received aswell (I think it's one of their standard issues) I sent them a LETTER before action expressing my disappointment that they had failed to respond positively. I stated that if monies are not refunded within fourteen days then I will initiate court proceedings for the full amount plus interest, plus cost without furhter notice. They test the water and hope that you will give in and go away, however don't!!!! Stick with it and see it through. You will have to apply to the court as they will send you a similar letter after they receive the letter before action. they will even state to the the court that they intend to defend their case, however this is all scare tactic's hoping that you won't see it through. They will pay out and you will not have to go to court. keep at them and don't give up, thats what they want!!!! Good Luck, Louisa

[jonoefc1]

hi everyone
success 3rd AUG 07 £4200 took 6 months a&L drag their feet all the way Arse@@@@s
stick to it, you will get back what is rightly yours

jono

[will73]

Hi,

Not posted before but thought i'd let you know.
I had a claim for £850. A&L didnt even offer to settle, dragged me all the way to court. I went in on the morning after the OFT case was announced. I was sure there was gonna be a problem. Barclays had some a solicitor there asking for a stay on all their cases that day. Thankfully noone from A&L.
I went in and the judge said he was ruling in my favour even before i had sat down! Full amount even though I had made some errors in my calculations. Then he said i woul get my £80 court fees too, and even asked if i had any expenses due to the court date, and awarded me £50 for days work, which is the maximum he is allowed.
So £980 all together, I think he is a bit bored of the whole thing!!
A&L have not yet paid up but its only been a week. Maybe thats another battle??

Keep it up guys!!

[fizzibelle]

The Oxford CC have thrown out the A & L defence and awarded me the judgement!! A & L failed to submit their skeleton defence in time.

Wragge & Co have today tried to settle for a lower amount after being given 3 opportunities to do so earlier! Why would I want to settle now when I have won!

I will now resubmit a full claim including all the updated interest charges, court fees etc (£3300) and also try to get some money back for the time I have spent dealing with this. I understand that the judge may award this to me but they don't have to.

Has anyone else managed to get anything back for personal time?

Thanks for all the advice

[banofi]

I finally won after threatening court etc. After July it became nearly impossible, until I sent A&L copies of my debt management plan, income & expenditure, etc and asked them to reconsider my claim on an individual basis. They repaid me immediately - £557!!

[poppystar]

thanks for the info banofi, I think I'll try sending something like that before going to court . motley fool website recommended I do this despite current bank charges situation with the oft etc, congratulations anyway on your win!!

[djh1697]

£590 received - without signing anything! So my claim is still open.

[maroondevo52]

I take it that's not the total you claimed.

[janis6670]

I claimed a and La few months ago under the hardship rules. Initially rejected but I phoned and appealed. Subsequently they repaid all my charges direct to my account. Unfortunately I still managed to accrue more charges. Last week I asked if my account could be transerred to their Choice Account. No problems and on riday I unexecpectedly got all my latest chares repaid into my account. Result!!!!!