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Hi everyone, I am trying to claim back over £600 that Alliance and Leicester have taken from me in the last 6 months.
I have been following the steps suggested and have filed a claim with MCOL. I'm really confused about this because when I filed it, it said they had 14 days to respond, which would be in 5 days time, but today I have had a letter from MCOL saying that it was issued on the 17th April, and they now have 28 days to respond! Does anyone know what this means????
In the meantime A and L have sent me a cheque for £198, suggesting this is a reasonable amount to have back! So do I take it???
I just don't know what to do and am confused and scared now! Any advice would be much appreciated!
You don't say when your MCOL was completed on line so can't comment about 17 April
After you issue they have 14 days to submit an acknowledgement followed by a further 14 days to submit a defence total 28 days. If they fail to acknowledge within 14 days or submit their defence after a further 14 days then you can apply for a default judgement.
Although Northampton CC does seem to give the banks a lot of latitude in this regard when they shouldn't
Thanks so much Blimeyboy - I was feeling very confident about this until I got this letter and the cheque!
Its a really long letter referring to the OFT, and saying that the charges were made in line with my T's and C's. However, in order to resolve this matter they are prepared to refund the sum of £198. This reflects the difference if the charges had been £12 instead of £20 to £30. If I don't want to accept it I can send it back to them. Oh and also they'll close my account if I don't accept this (which I'm already prepared for!)
I really hope it doesn't end up going to court! Whats £600 to them?!!!
Right, Alliance and Leicester have moved it on to the next stage, and their solicitors have sent me a letter saying that A and L will defend the claim.
Dont Panic, this is standard proceedure. They are trying to scare you into dropping the case. Stick to your timetable.
When was your claim issued?
When did they acknowledge your claim?
Ok your time table is
deemed served 15th April + 28 days for acknowledgement = 13th May.
Basically its 33 days from from when you issue the claim.
Now you should get your money before then or you can apply for judgement after the 13th May.
Hope this helps
Just keep hold of it and file it with previous letters from the bank and all your letters to them plus statements etc. then sit back, make a brew and wait for the cheque
One of the following will happen between now and the 13th:
1. They will offer you a settlement figure - usually well below what they owe
2. They file a defence - you will get a copy from the court plus the allocation questionnaire
3. They settle in full
4. They do nothing and you go for judgement against them
Just out of interset what did the solicitors letter say?
And can I ask is you accounts still open with A&L
It is likely that once you have got your charges back they will close your account ( they have to give you at least 30 days notice).
I would open another account with another bank just in case.
As I think I mentioned earlier the solicitor letter is standard issue. Basically they are trying to scare you into dropping the case.
Hold tight and remember there are lots of people on here that will help
Thats why we are all here to help each other along.
The scare tactics work for some but stick with it and think about how to spend the money.
Best of Luck and let us know on progress
More developments...
In the post the other day I got another letter from A and L's solicitors, enclosing their defence. And attached is a 6 page defence!
I'm getting scared again now - should it be ging this far?!
More developments...
In the post the other day I got another letter from A and L's solicitors, enclosing their defence. And attached is a 6 page defence!
I'm getting scared again now - should it be ging this far?!
Yes, nic, be prepared for it to go all the way.
They want you frightened because then you may back down and they win!
Don't give them the satisfaction. Stick with it and you will come out the winner. You've done most of the hard work, now all that remains is to hold your nerve.
What do I do now? Dilemma!
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Originally Posted by nicgould1981
