mummyemma v A and L

**mummyemma** · 9th August 2006 21:11

Am sending my data protection letter to them tomorrow as they seem to take a long time to respond so thought i would get a head start

Emma

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**MARTIN3030** · 10th August 2006 01:32

Wise move

good luck

**mummyemma** · 18th September 2006 18:46

As expected took them the whole 40 days to get the statements. Just have to go through the lot now and work out what they owe

Emma

**mummyemma** · 17th June 2007 19:40

Well I havent written anything in this for a very long time. But have restarted on the alliance and leicester. I am now ready to file my MCOL but a little unsure as never had to do one before and I hope I do it right.

I had an offer a few days ago for £143 ummmm dont think so I am claiming £815, so sent them a rejection letter. So here goes will be filing my court stuff tomorrow.

Emma

**bsia666** · 18th June 2007 22:28

This is my MCOL............

It may help you mummyemma.

In the Claim description box I put "Reclaiming bank charges" I am not sure if this would suit your claim, I have seen someone use "Reclaim Penalty Charges".

Claimant
ME..........
..................
.................

Address for sending documents and payments (if different)
ME ...........
..................
...............

First Defendant
Alliance And leicester PLC

Leicester
Narborough
Carlton Park

Alliance And Leicester PLC
LE19 0AL

Particulars of Claim
1. The Claimant has an account *********

with the Defendant, opened **/**/****. 2.
Since **/10/00 the Defendant debited
charges and interest icon

in respect of
purported breaches of contract. 3.
Defendant is aware of all details as a list
of charges has already been supplied.
Another copy will be sent. 4. Claimant
contends: (a) The charges exceed the
Defendant's losses caused by the breaches;
(b) The Term permitting the Defendant to
levy icon

such charges is unenforceable under
the Unfair Terms in Consumer Contracts
Regulations 1999, Unfair Contract Terms Act
1977 and at Common Law. 5. Claimant claims:
(a) return of the amounts debited of
£*,***,**; (b) Interest per S.69 County
Courts Act 1984 of 8% - £***.** continuing
at 8% until judgment or settlement at a
daily rate of £0.***,**; 6. Alternatively, if
the charges are a fee for a service, then
they must be reasonable under S.15 of the
Supply of Goods and ServicesAct 1982. 7.

Costs allowed by the Court.

Hope this helps - William

**jansus** · 19th June 2007 22:09

in the search button put Michael Browne - his threads and instructions are very useful for this stage.

Jansus

**mummyemma** · 21st June 2007 09:31

Thank you all, I was going to file this week, but my husband Grandfather has just passed away so been tied up with that so on my to do list next week.

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