Thread: HEEELPPP!!! £12000 in Charges! WITHOUT INTEREST!

Hi There Everyone!

I'm just about to send off the initial letter of request for payment tomorrow and the total comes to £12883!!!!!!!!!! This is for a friend of mine...Mine weren't so high, so I'm a bit nervous! My claims were settled with contractual interest at 29.8%, but the total for this claim with contractual interest is over £30,000! WHAT SHOULD I DO?!?!?!?!?! PLEASE HELP SOMEONE!!!!!!!!!!!!!!!!!

Cala

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Hi There...

Martin! That wasn't exactly helpful!!!!!!1 I do know the process - i've just gone through it myself. I managed to reclaim all my charges plus interest. What I'm not sure on is the amount on these charges. With interest, it totals over £30000. I understand that up to £15000, I can fast track the claim eventually, but I'm not certain what to do at such a high mark. Additionally, the £30000 is at their contractual rate of interest of 29.8%, not the statutory 8%. When it comes to filing, where should I file? Should I attempt to split the filings? Although it seems that its not really a good idea, in all the other threads i've read? Also, does Alliance & Leicester play ball, or do they go all the way to court - i.e. will i need to prepare a bundle? I've been trying to find cases in the forum that have a similar amount, but no one seems to have gone this high in JUST CHARGES! Hence my issue! Maybe you can help me find one? Or perhaps there's someone out there who can just give some basic advice!!!! I'd really appreciate it!

Thanks

Cala

Hi There!

I've just received by the standard bog off response from A & L for my prelim letter...i.e. charges concern cc charges not bank...blah blah blah...I'm about to send off my lba. My problem is as follows: the amount of the claim! I don't know where I should file it! I.E. which route I should go...with interest, the claim comes to more than £20,000...so should I split and file in fast track? or should I just take to county court? I really don't know what the best course of action is here? OR should I just file fast track, claiming no interest?!?!? WHAT SHOULD I DO! I'm so confused as to what will give me the best result...i.e. least hassle - I would really prefer NOT ending up in court...I don't know if that can be helped anyway because of the size of the claim, but basically I WISH! Please could someone give me some advise on how I should go about this?!

Thanks

Cala

wow that's a lot of money they've had from you over the years. Good luck with your claim. Can't give advice as I'm only claiming back £393.00

Good luck!

hi
i think i would make several small claims, screwing them more than once must have certain pleasure, after all by the amount they owe you they must have made your life a misery

Hmmm...thanks dave interesting idea!!! UNFORTUNATELY...I sent off the lba already with the full charges in place...do you think when it comes to making the claim online, I should break it up? Or should i Just go for it!

Thanks!

Cala

lba sent and they have until Feb 9 to reply! I can still file an mcol online even at this amount, right? Would it be better to file in court?!?!

Any ideas anyone?!

Also does anyone know of anyone else that has claimed such a large amount from A & L? Do you think its likely we will get to the court stage?!

THANKS!!!!!!

Cala

Well lba sent and they're replied only a couple of days later with one of their standard get lost responses.

I'm going to be waiting as advised elsewhere the full 14 days prior to filing, but will then fill would like to do it online...any advise there?

ALSO! once again - does ANYONE know of anyone else having claimed a similar amount successfully from A & L?!?!?!?

PLEASE GET BACK TO ME!!!!

Hi Cala, Im in a similar position, I reckon i would be roughly the same but like you I dont know or read anybody with that amount who has won. Im currently awaiting amy 5 years of statements (In Scotland you can only claim back 5 years). Please keep me posted what you done and if you won. Thanks Alison

Hi Ali

I will definitely keep you updated! I have another thread open on alliance & leicester where I'm discussing this same case...take a look over there - I have found someone that got back a similar amount, but its pretty darn scary, especially considering the £400 mcol charge!!!

Cala

Hi there 0-

Already have a thread open in relevant bank site, but still very few responses!!!

Thanks

Hi there -

So I filed a claim for only 2001-2003. The thing is, that the date of filing the claim with the court is slightly more than 6 years - but not more than 6 years for when i originally sent them my letter. They've now sent a letter - to the wrong address albeit - requesting that i ammend the data. What should i do? Its already filed in court with the original dates....

HELP!!!

Cala

thanks ed! done as of today...do you know if it matters that the response will be later than their requested 7 days? they sent the letter to the wrong address, so i only just received it, and it had already passed their 7 day deadline!

thanks

cala

I must be missing something where on earth can someone run up charges including interest of £ 30,000.00 Does that include all overdraft interest for the whole account??? The most I can come up with is £ 2,000.00 even though it is only for a couple of years. But to get to £ 30,000.00 is really something If it is legit. best of luck but I would split it up to avoid baristers. I have a small claim against A&L it is only for £ 304.00 it is due in court on 16h. March. They sent me a letter dates 20/2/2007 stating how legal their charges are and MBNA ( who now handle some of A&L business if not it all ) do not agree with the OFT's findings etc etc. Then on the second page they go on to say that they had agreed to a partial settlement of what I owed them and they had written off £1,371.06. so as they had provided me with this generous offer they feel that I should not seek a refund of the charges. They feel it is inapprpriate to agree to my request!!! I sent hem a letter dated 26/2/'2007 saying I will look forward to meeting their representive in court explaining to the judge how they arrive at such a cost