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I posted the first letter yesterday. Anyone got any advice on how long they may take to reply? Also, if they reply before 14 days is up, should I just send lba straight away, or wait. Sorry - seemed like a good idea when I was reading other peoples posts, and now getting a bit scared!
i would say that if you have just sent your first letter you must wait the 40 days for them. after that time it goes to 14 days per letter. A&L will take thier time on the first letter, they did for me. i am now at the stage of putting my claim to the court.. dont get put of by any of their letters when they reply..
You only need to give them 40 days for a SAR. By the sounds of things you have sent the Prem letter off so you need to give them 14 calender days to respond. By looking at other threads opinions seem divided about sending the lba if they respond before the 14 days are up, i would wait the full 14 days to be safe, at least if you have to stand before the judge you can say you gave them ample oppertunity to pay up!
Have a good look through the FAQ's and read other sites, it'll be invaluable for further down the line.
Good luck, although you won't need it!
Matt
19/02: S.A.R - (Subject Access Request) sent to A & L
20/02 S.A.R - (Subject Access Request) sent to HBoS
20/02 SAR sent to Capital One
21/02 Prem letter sent to RBS for £304
Matt-man has given some good advice above. The timetable is based on a tried and tested formula, if it ain't broke don't fix it.
I know it's difficult to play the waiting game when the nerves have kicked in, but it is better to do it this way than jeopordise your claim due to impatience.
Help! Have received reply to the prelim letter after 7 days - standard letter, charges are fair, etc etc.
Would you wait another 7 days before sending off lba (as advised), or just go for it?
Thanks!
Liz
Hi Liz - I know what you mean about being impatient! But stuck to the 14 dsays between letters & filed my MCOL (money claim online) yesterday So fingers crossed & I am back to waiting again!! lol!
go for it, it is your money and they are just calling your bluff. I sent my initial request for repayment 14 days ago (by recorded delivery which has been accepted) and have not even had an acknowledgement from them! so today my letter before action goes off giving them another 14 days before I too file a claim. I would guess they are inundated by people like us claiming back what is ours!!
Help please - my claim was acknowledged etc, and A&L are putting in a defence, which they have 28 days to do. Do the bank holidays for Easter count in this, or not?
Thanks!
Liz
It would be working days so you will need to allow for bank holidays. Read through some of the other threads under Alliance & Leicester. It is quite normal for them to put in a defence as it buys them time - they will take it right up to the wire! but if you have a read around you will find that they do cave in and send the money. Good luck
I've won!!! After reading the threads yesterday, and debating dropping out, I looked today, and the MCOL stated defence. Rushed home expecting a letter from a solicitor, and instead found a cheque for £2536.12 waiting!!! My advice - don't be scared into dropping out. Keep going - it's worth it in the end!!!
I've won!!! After reading the threads yesterday, and debating dropping out, I looked today, and the MCOL stated defence. Rushed home expecting a letter from a solicitor, and instead found a cheque for £2536.12 waiting!!! My advice - don't be scared into dropping out. Keep going - it's worth it in the end!!!
That's great news, dude!
Glad you shared the fact that you'd had doubts - it shows others that it's worth continuing the fight.
Mind you, if you'd come on here and told us you were thinking of jacking it in - we wouldn't've let you! lol.
Thanks! I'm off to the bank tomorrow. Put cheque in new account, then go to A&L once it's cleared, and "politely" inform them that I would like to close my account!!!
Liz v A&L - Help please!
straight away, or wait. Sorry - seemed like a good idea when I was reading other peoples posts, and now getting a bit scared!
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Re: Liz v A&L
So fingers crossed & I am back to waiting again!! lol!
Originally Posted by willihub
