First steps of a new claim

**Nick** · 15th May 2008 10:57

I sent of my first letter for a claim against A&L (didn't need the DPA request as had statements) and within 24 hours got this reply. Can anyone translate it into laymans terms or is it a fob off?

Thanks in advance

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**sea-sidelady** · 15th May 2008 18:31

It is a fob off. Carry on with your claim.

**Nick** · 24th June 2008 12:55

Claim filed at court 23/06/08

**Sparkles100** · 24th June 2008 23:30

Hi Nick,

Best of luck, please keep us updated.

Sparkles

**BankFodder** · 25th June 2008 08:02

Nick, could we have a scan of the first page of this letter.

It acknowledges that A&L considers that the legal status of charges is unclear. This means that every negative entry put on to the credit register is in breach of the code of practice and of guidance supplied to banks and CRAs by the IC.

Anyone who has received a charges-related entry on their credit file should complain to the CRA, IC and to the fos icon

.
See the stickied thread at the top of this forum

**Nick** · 2nd July 2008 14:30

received letter from wragge and co showing intent to defend

**Nick** · 2nd July 2008 14:32

Originally Posted by BankFodder

Nick, could we have a scan of the first page of this letter.

It acknowledges that A&L considers that the legal status of charges is unclear. This means that every negative entry put on to the credit register is in breach of the code of practice and of guidance supplied to banks and CRAs by the Information Commissioner.

Sure, how do you want me to send the scan?

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