Thread: si & nic v Alliance & Leicester

Hi all, somewhat nervous and a bit excited, the first letter went off today requesting statement information, We'll let you know how it all goes...

Si.

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A bit further on.... our initial request yeilded a stack of statements, and a total of £2690.00 in charges.. ouch.. The prelim letter was sent on the 8th March..... 14 days on and no reply from the bank.

Step 3.. here we go

Originally Posted by siandnic

A bit further on.... our initial request yeilded a stack of statements, and a total of £2690.00 in charges.. ouch.. The prelim letter was sent on the 8th March..... 14 days on and no reply from the bank.

Step 3.. here we go

best of luck

jansus

Step3... no reply from the prelim letter after 14 days, so we sent the lba letter on 26th March, just got a reply today 5th April..... 'blah blah bank charges are fair....' yeah right!!
So I wait for the 14 day deadline and then take them to court, right?

Hi all, sent mcol and the claim wass issued on 8th May.. we got a letter from A&L today quoting the recent OFT review and offering partial settlement of £704.00 (including £120.00 court fee) ... a bit short of the £3300 we are claiming for. On the same day we also recieved a letter from solicitors acting on behalf of A&L, giving notice of their intention to defend the claim ???? whats all that about then....

Gotta say getting a bit nervous now, any advice would be greatly appreciated.... I've sent copies of the schedule of charges to the court and I'm going to do the same to Wragge & Co... its very tempting just to bank A&L's cheque....and move on

Of course it's your choice, guys, but you've come so far, it would be a shame if you didn't feel you could go the final sprint.

I think you should hold out and achieve what you deserve.

Each charge should only be around £4.00, so they have overcharged you!!

Be brave!

Thanks for the support guys, we bit the bullet and sent the cheque along with a rejection letter back to a&l yesterday, and a copy of the schedule of charges to wragge & co, not sure what to expect from here on but we'll keep you posted

Hi All, got the usual 6 page defence back from wragge & co. banging on about insufficient particulars of claim... we've sent the schedule of charges to wragge & co. and the northampton court, today we recieved notice of transfer of proceedings to our local court in sheffield... what do we do next?? Do i need to contact the court?? seems everyone is in a similar position, any advice appreciated.

hope you kept going with your claim, i have just heard that alliance and leicester are paying me up in full, so dont give in, i didnt take them to court in the end, i went through the financial Ombudsman who were brilliant and got the money for me in about 4 wks.

it was very easy, i phoned them, they asked me a few questions over the phone, like dates of letters etc, they sent me a form to fill in and sign which i did straight away, they sent me a letter saying it was being dealt with and about 4 wks later i received a letter from them saying that although a&l didnt accept that their charges were unfair they were going to pay up anyway, also they are paying about £500 more than my claim! it seems to be the amount the contractual interest would have been if i had claimed that. ring the Ombudsman, it may be different for you as you have aleady started court proceedings, but i found them very helpful, and its free, also it stated on their guidelines that if i wasnt happy with the outcome from them i could still go ahead with the courts, youve got nothing to lose, keep me posted and good luck

Hello. I am new to this site and am not too sure how it works yet. But I decided to join as I am now at the Court stage with A+L and am Soooo scared!
Siandnics case seems to be very similar to mine. Started with my claim of £1757 plus interest in February (which was less the refunds that I found had been allocated to the account) They eventually wrote disagreeing to any refund at all. I pushed on using the template letters from Money Expert.com. I wont go into the details now, but eventually they offered £779 which included the £120 court fee. I was so angry at the way they have treated me, I refused it and started court proceedings for the total amount of £2432.74 being the charges to my account with interest, and ignored the refunds. Much to my dissappoinment they sent in their defence. Then the courts sent me a letter saying if I didnt pay an extra £100 my case would be struck out. I borrowed the money to pay this, and now it has been allocated to Redditch Aug 16th.
I am not sure what to do now. Only that I am very nervous, and scared that I made the wrong decision in ignoring the refunds to the account when claiming.
Please HELP