MCOL filed, they are defending but surely it has passed the deadline HELP!!!

**kickingkay** · 31st October 2006 13:58

ok as title explains i have finally received a letter stating they owe me nothing and their charges are in occourdance with the OFT this was my lba icon

should i still continue is this a formality?
many thanks
wavering Klare

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**SickofA&L** · 31st October 2006 14:09

Hi Klare. It's the usual crap that all of us get. Don't back down because that's what they're hoping you'll do. Follow the process outlined on this site and everything should work out fine
If you read everyone elses stories re A&L you will notice a recurring pattern when it comes to letters, threats , timings etc
Stick to your guns and good luck

**kickingkay** · 14th November 2006 17:46

ok i have started to doubt my claim i know i shouldnt because its the same situation as you all, i have had a letter from them telling me we owe you nothing i beg to differ and i have worked out what teyu owe me plus a further charge for unauthorised OD, now i have giventhem plenty of time to cough up, and i should have claimed my MCO last week, so tomorrow i will be claiming online, i know they (or im sure) will contest it but i just feel so kicked about i need a boost
is it the bootle address i need for online claim to?
sorry
pitiful really
klare

**Bookworm** · 14th November 2006 18:04

Don't doubt yourself. You've won once, you'll do it again.

Can't help you with the address, I've never dealt with A&L myself, but I'm sure someone will know.

Have you done any of the things I advised you in your other thread about your finances? Are you getting to your money first now?

You WILL get your money back, you WILL win, you ARE in the right here. Don't let anyone tell you otherwise or try to keep you down. OK?

Listen, I look back on those last few months and I find it hard to believe I have taken on so many institutions and won EVERY - SINGLE - TIME. And I'm not finished yet. And you can, and will, do exactly the same.

{{HUGS}}

**SickofA&L** · 14th November 2006 18:20

Originally Posted by kickingkay

ok i have started to doubt my claim i know i shouldnt because its the same situation as you all, i have had a letter from them telling me we owe you nothing i beg to differ and i have worked out what teyu owe me plus a further charge for unauthorised OD, now i have giventhem plenty of time to cough up, and i should have claimed my MCO last week, so tomorrow i will be claiming online, i know they (or im sure) will contest it but i just feel so kicked about i need a boost
is it the bootle address i need for online claim to?
sorry
pitiful really
klare

Hi Klare, Chin up!

Get your mcol done then sit back and wait. It's just a matter of sit back and let your threat do the talking. In all probability you will get a letter from Jackie McGuirk saying they are going to defend...they don't though! I've just had my claim settled not long after receiving notice that they were going to defend.

When doing the MCOL the address you need is:-
Alliance and Leicester Plc
Narborough
Leicester
LE19 0AL

Have you got your parachute account icon

up & running with all DD's etc changed over? If not do it asap

Don't get worrying or anxious (I know it's easier said than done) it will all work out fine!

**kickingkay** · 14th November 2006 19:38

bookworm, sickof a&l, thankyou so much
yes ive done everything else so its on course as it were ive been using my other bank as my main account now most dd are in place a few still to set up but getting there just need hubby,s wages going in there and then im away, but that can be sorted this week, you are absolutly right there is every chance i will win!
have either of you had experience with MBNA icon

as they cashed my cheque weeks ago now but still no statements any idea what the process is now???
thanks
again onwards and upwards!

**younganfree** · 14th November 2006 20:40

Originally Posted by kickingkay

you are absolutly right there is every chance i will win!

It's not about chances, kickingkay, it's about certainties!

Provided you've done everything as per the guidelines, you'll be quids in in no time.

**SickofA&L** · 14th November 2006 20:49

Sorry Klare but no experience with anyone else so far....think I'm one of the lucky one's who've had no problems with anyone else (That's probably just jinxed me)
Just follow the same process you're doing with A&L on any other company you want to claim back off
Not promising anything but you should have a cheque from A&L just in time to make crimbo more fun (who needs santa when the postie can deliver lovely cheques!)

Steve

**kickingkay** · 23rd November 2006 17:01

hi everyone im having a mental block in the section that states what are you claiming notes below it it asks does it affect the human rights act 1998 do i put yes or no
thanks
complete block
klare

**thesergeant** · 25th November 2006 10:42

Kickingkay,

Put NO, unless you can think of some way in which it applies ......... I cant think of one

All the best .............

**kickingkay** · 25th November 2006 11:08

Originally Posted by thesergeant

Kickingkay,

Put NO, unless you can think of some way in which it applies ......... I cant think of one

All the best .............

as i thought thanks for that ive now filed today!

**kickingkay** · 14th December 2006 16:07

in 2 days A&L has to submitt how they intend to play this i have heard nothing from A&L nor MCOL only my orignal letter confirming the claim and the deadline for a&l to do what ever anyone else had this and how did it turn out and what now lol

**kickingkay** · 5th January 2007 16:53

hi for fellow A&L customers i have filed my MCOL received my letter confirming the deadline for their response which would have been the 16th december, in this time the filed a defence but its now some 3 weeks or so and i have heard nothing from either the courts or A&L i had a refund very quickly with the CO OP even though they still stated they would defend can any one enlighten me if this is normal and how long should i have to wait til i hear something, im affraid i lost my sister a few weeks ago and my head is so confused im struggling to remember anything many thanks
klare

**arkanara** · 5th January 2007 18:04

Have they actually filed a defence, which you should have a copy of or have they just stated they intend to defend?

Unfortunately for us if they miss the deadline and we do not file a judgement by default they can be as late as they want. Until we take the next step they can still reply and it will be accepted by the court.

**kickingkay** · 5th January 2007 22:10

Hi, thanks for replying i received 2 letters one acknowledgment that the claim has been made(from MCOL) the other was a copy of my claim with the details filled in at the bottom intend to defend, so what happens now i have never needed to go any further, do i need to do something else or wait for a date for the hearing or are they still likley to settle up in the immediate futire
many thanks
klare

**kickingkay** · 5th January 2007 22:21

just checked paper work
notice of issue received 27th november giving them til the 16th december to respond
acknowledgment of service has been filed received on the 29th november states defend all of this claim
so in all they have filed a defense what happes now will they go to court do i now need to contact the courts again or wait?????????
thanks
klare

**Bookworm** · 5th January 2007 22:41

4 threads merged.

The acknowledgement of service bought them time to file their defence, (4 weeks from when you filed) so by right you should have received it by now.

Give the court a ring on Monday, and find out, in case something got lost in the post. If A&L forgot to file a defence icon

, though, apply for default judgment!

Thread: MCOL filed, they are defending but surely it has passed the deadline HELP!!!

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