Thread: A+l Charges

hi
this is where it all started for me (so all the other creditors have a+l to blame for not getting payed).after a payment plan arranged by the cab i was told to change bank as a+l were a creditor and theyd probs get funny.so new account opened and all dd's stopped and transferred.my electric company re set up the dd with a+l and next thing £92 in charges.eventually these charges were clawed back from electric co (not willingly)and payed back to a+l.next statement comes and theyve charged another £92 because they recieved payment too late.so i argued with them and got nowhere then DCA's started sending letters which i ignored then i got a ccj in the mail.then i found another well known website and that led me here.time to stop hiding and fight back i filled the n1 stating i had not recieved the court papers and the first id heard was recieving the ccj.i am now claiming all bank charges for the last six years of which there arnt a lot but it will push the total up.today i have recieved a letter from their soliciter stating they wont be defending the set aside and have wrote to the court stating they should grant the set aside.i dont know what is likely to happen now will they just reissue proceedings or try to negotiate with me now.

kaz

hi
i have now recieved my s a r from sending the template letter for bank charges.all i recieved wer statements from 2002 till 2007 when they closed the account.does anybody know how or if i can request information reguarding the setting up and cancellation of direct debits,i expected to recieve all this info in the s a r.with this info at least i can go to court when they re issue the claim and show that all d/d's were cancelled and then 1 reset up by electric company which was totally beyond my control and which they eventually paid for.

maybe someone could offer some help on this.ive recieved a letter from the county court stating that after read the letter from the claiments soliciter

it is ordered
1 judgement set aside by consent
2 defendent to file and serve defence to the claim by 4:00 pm march 2009
3 vacate hearing on march 2009.

could anybody explain this to me.I filled in the N244 stating my reasons why the judgement should be set aside but what does the file and serve defence mean.I thought as there is no objection to the set aside then they would just do that without the nees for a hearing.after many weeks of reading on here i thought i had it all worked out (obviously not)

anybody ofder any pointers. do i just write a letter with my reasons for set aside or is there a form i need to fill in for defence.these charges are now subject a claim with a+l and have been put on hold due to test case.