Mercurystar999 V Alliance and Leicester

**mercurystar999** · 15th July 2007 18:32

I have got as far as a letter saying that they will refund me anything above the £12 per charge for credit cards. Obviously i am declining this which letter do i need to send now?

Where do i go from here?

Thanks

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**Jess68** · 15th July 2007 18:41

Check out this link and use the one that most suits ur circumstances

http://www.consumeractiongroup.co.uk...ng-offers.html

**mercurystar999** · 15th July 2007 18:58

I can't see a letter that suits my situation? I have received no cheque, only an offer for which i have to sign and then the amount they are offering will be credited to me?

The time that i stated they had to respond before i started procedings has lapsed.

Thanks

**jansus** · 15th July 2007 19:31

Originally Posted by mercurystar999

I can't see a letter that suits my situation? I have received no cheque, only an offer for which i have to sign and then the amount they are offering will be credited to me?

The time that i stated they had to respond before i started procedings has lapsed.

Thanks

you can adapt the letter to suit you - basically you are saying you reject the offer and are proceeding with action.
Simple Steps For Beginners

**mercurystar999** · 15th July 2007 19:33

So i send the letter tomorrow and also start proceedings? How do i do this?

Thanks

**jansus** · 15th July 2007 19:36

Crikey that was quick - i was just going to post another useful link

Can't Find What You're Looking For? Here's A Complete A-z Index

Have you read through FAQ and step by step instructions?

If you want to proceed you need to make sure you have completed all the steps recommended and then decide whether to file at local court or MCOL.

Jan

**mercurystar999** · 15th July 2007 19:38

I have just gone through the simple steps section and found a letter that i can edit.

What is mcol?

**jansus** · 15th July 2007 19:45

Slow down !

to post a thread takes me ages

MCOL is money claim on line - I an just going to post a link about the pros and cons .

Getting MCOL Right

Jan

**jansus** · 15th July 2007 20:12

you must be reading

jan

**mercurystar999** · 15th July 2007 20:20

I'm only claiming £287 you'd have thought it wasn't worth the time for them to argue.

**Jess68** · 15th July 2007 22:45

lol true but they will

**squarebob** · 16th July 2007 21:07

And Ladies before I retire with a glass of shampoo,

I want £79 back from the Halifax icon

as well as my pennies from the A&L, and if the Halifax think a final letter saying their fees are justified will suffice, "They can go and eat my shorts". So, no matter how small your claim is...........you want it BACK.

Spongebob xx

**alice-rose** · 16th July 2007 21:13

would you like ice and lemon in that glass of shampoo sir ?

**mercurystar999** · 31st July 2007 15:11

Have only just got round to starting proceedings! My wife and i had a baby girl and things have got a little behind schedule!

I sent the letter before action icon

letter and have received another letter back basically saying nothing really.

So now onto the court proceddings, i have copied and pasted the comprehensive Particulars of Claim for alliance and leicester and am now filling out the missing bits.

Is that it? Do i just then waltz into the county court icon

and slam it down on to the receptionists desk????

Thanks again

**mercurystar999** · 2nd August 2007 22:56

Is it worth continuing given what has started now?

**dewhit20** · 2nd August 2007 23:45

Congratulations on your little bundle of joy!!
Continue with your claim and you will have another little bundle of joy at the end. Even if the case gets held back until the end of the year, at least you'll have all the work done and prepared ready.
We are all remaining steadfast in this fight with the big bundle of baddies!
Kay X

**Jess68** · 3rd August 2007 09:52

Congratulations to you both hunny. Go on as normal, A+L are still settling and each case is fought individually, them saying they are staying everything is so far a delaying tactic.

**mercurystar999** · 3rd August 2007 21:57

Thanks, so i have copied the mcol, i complete that and take it to the court?

What happens then?

Thanks

**hedgey06** · 4th August 2007 08:52

Originally Posted by mercurystar999

Thanks, so i have copied the mcol, i complete that and take it to the court? What happens then?

If you mean the N1 form, you make three copies, attach a schedule of charges to each and take all three copies to your local court along with the fee.

The court will then serve the claim on A&L and you'll receive a Notice of Issue form through the post. They need to acknowledge within 14 days of receiving the claim and, if they acknowledge, submit a defence 28 days from the date the claim was originally deemed as served on them.

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