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Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.
Whats the address i have to send the letter to im assuming its this one
Sarah Rendon
A&L PLC
2nd Ops TCU3
Bridle Road
Bootle
Liverpool
L30 4GB
I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.
Im a little nervous about all this so any support is always welcome
Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.
Whats the address i have to send the letter to im assuming its this one
Sarah Rendon
A&L PLC
2nd Ops TCU3
Bridle Road
Bootle
Liverpool
L30 4GB
I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.
Im a little nervous about all this so any support is always welcome
I'd suggest you spend a good while reading round the threads on the banks' forum, and especially the Barclays one as that's your bank - you'll see how the specifics of a 'Barclays' claim pan out - important only in that the banks can vary in their responses. It makes things easier for you if you're aware of what to expect and therefore confident in what you're doing!
If you start yourself a new thread on the Barclays forum, the guys there will be able to offer you support throughout your claim. But by all means, feel free to continue posting in our forum (or any other for that matter) as and when you choose.
I have used the information in the templates however im not to sure about my interest calcualtion, number were never my thing
however according to the simple spreadsheet my first claim date is the 28 jun 04 some 1052 days ago, im really not sure if my calculations are ok and dont want to go into court with my figures all wrong. Also as my finacial acumen has never been great i could do with a hand
If any one could help i would be forever grateful
Charges £1558.00 overdraft Interest £154.58
Interest under s.69 County Courts Act 1984 £357.34
Court Fee £120.00
TOTAL £ 2189.92
Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.34 per day at such rate and for such periods as the court deems just.
Without seeing how you have worked the spreadsheets its hard to tell, but normally the "overdraft" interest is at least as much as s69 in my experience (unless your o/d rate is very low!)
One thing I would recommend is to rename "overdraft interest" to "interest applied on charges"
If you think my advice has been helpful, please click on the scales to the left thank you!
Non illegitimi carborundum
I wish I was a glow worm, A glow worm's never glum!
How can you be grumpy, when the sun shines out yer bum?!
Amex * 2 *** WON *** Settled
Marbles ****WON*** In full settlement
Capital 1 ***WON*** In full settlement
MBNA ***WON**** In full settlement
Barclaycard ***WON*** In full settlement
Barclays Bank - ***WON*** In full settlement
Abbey ***WON*** In full settlement
Abbey (Mrs Chorlton) ***WON*** In full settlement
Abbey (Mr and Mrs C) - MCOL submitted 16/5/07
Many thanks Chorlton, i can email you the spreadsheet if you could have a look at it for me, will remove all my acc details etc but just could do with a hand
I posted a while back and everything was going well. Unfortunatly I got a bit sidetracked (got married/moved jobs) and the last correspondence I had from A&L was that they were offering me £657 quid which was less then half of my claim. Unfortunatly this letter came in just as I was going on my honeymoon.
The offer on the letter had a date on it to reply by and to be honest I was kind of wrapped up in married bliss (yes there is such a thing) and forgot about it.
What do I do know, do I issue my MCOL, im just starting to panic a bit and could do with some advice please
I would accept their offer Only as part payment of your full claim. If they send you a cheque, then proceed to claim the rest through MCOL. I have had a successful claim with A&L and the consensus seems to be that they will pay out the full claim but will try to get you to accept less initially.
If they will only pay you their offer on condition of the claim being 'settled' I would say thanks but no thanks and get the whole amount by claiming through the courts.
All cases through MCOL are automatically stayed as are most of the court cases - plus to file the new recommended POC you should file by N1 at your local court.
You need to read the "sticky" threads as you come onto the A&L forum about the waiver/stays and the new POC - then decide whether you want to go court route and get stayed, or go fos and sit in the pile of complaints there - but whichever way you go you will be further down the road than others and near the top of the queue - if the case ever happens.
Keep reading threads on here as well before you decide what to do.
Also in the step by step instructions there are example reject / acceptance letter links - if the offer has not expired - but be careful of wording - dont accept as Full and final offer.
Jan
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
[IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
Some of you may know that I have been posting on here for a while and drawing support from the great advice you have given me.
I sent of my Particular to the court with my £85 and have recived a letter yesterday saying that A&L had until 24/11 to respond, I got a letter in today saying that Wragge and Co will be defending the case.
After all the letter writing and court paperwork im stumped as to what to do know. Im assuming they will try and get a stay on the case as this seems to have happened to lots of people?
Thanks Zoot, I must admint was getting all a bit confuddled there with all those threads. Am I right in assuming that if I get a stay I go into the melting pot with the rest and have to wait for the outcome of the OFT case whenever that maybe?
It just seems like this OFT case is going to be a major delay in getting what belongs to me back in this case my money and sanity.
MCOL will automatically stay all cases. You can write to have your claim transferred to your local court and they will comply with this. However, its likely that your local court will also stay the claim. You can make an application to lift the stay, although this is quite time consuming and incurs a fee. The chances of lifting the stay are quite small.
Well according to Dartford Country Court my cas will be going before a Judge, as Wragge & Co have filed a defence, so im assuming this is where the Judge will throw a stay on the case?
If the judge doesnt throw a stay on it what are the options then, for him to award in my favour or ask for both parties to state there particulars?
It is more than likely that if the court does not put a stay on the case then A&L will do.
I suggest you read a few threads in the section under general for cases with stays so you can get a taste of what is going on.
What would be your personal appeal against the stay?
Jan
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
[IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
I had a recent caim against MBNA / A&L and MCOL put an automatic stay on it.
A week after the stay was put on MBNA sent a cheque for about 2/3 of the claim. I said, 'Thanks! Now pay me the rest or I will see you in court.' (by polite recorded delivery letter, of course). They replied within a week with the rest of the claim!
So in my case MBNA decided to pay out the full amount of the claim anyway so the case did not go to court, (this after they claimed they would defend the claim, a standard tactic of most companes), and the stay became irrelevant.
During this process I also got the number of the customer advocate office, (those who deal with refunds etc) and persistently phoned them to ask for their response to my claim - this may have helped to bump my claim to the front of their 'to do' list. I would suggest you do the same, to make it clear you are prepared to go the whole way to court and can't be bought off by silly offers.
It's your money - stick to your guns and you will get it refunded!
Beowolf VS A&L
and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon
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Originally Posted by beowolf_uk
The address that I used is:
Little help for my MCOL
Need some help here guys
Beowolf v A & L
