Mizzpy V A&l

**mizzpy** · 20th April 2007 15:30

Hi

I have got my statements in the post yesterday and charges add up to £2107 I need to send off my 1st letter do I enclude interest icon

charges of £251.33?

ian cognito · 20th April 2007 15:35

Welcome Mizz

This thread should be in the A&L forum where you will et most help, I'll ask a mod to move it for you.

You do not add interest icon

at this stage, the 8% statutory interest is to be added when you submit a court claim.

Have a read of the FAQ's in particular the step-by-step guide.

http://www.consumeractiongroup.co.uk...tructions.html

Good luck!

**mizzpy** · 20th April 2007 15:38

Thanks will read FAQs and keep posted of progress.

**mizzpy** · 20th April 2007 15:50

Hi

have copied and pasted prelim letter. In this section of the letter what figures are I to use if I am not adding the interest.

I calculate that you have taken £2107.00 plus £XXX which you have charged me in overdraft icon

interest for the sum which you have taken. Total £XXXXX .
I enclose a schedule of the charges which I am claiming with this letter

ian cognito · 20th April 2007 16:07

This is the interest the bank charged you on the amount your charges took you over the overdraft icon

limit, there is a spreadsheet to work it out but it usually comes to literally pence and isn't always worth the trouble of working it out.

If you want to check use this spreadsheet:

http://www.consumeractiongroup.co.uk...readsheet.html

it's the worksheet on the first tab marked 'charges and interest' which will give you this amount.

**mizzpy** · 20th April 2007 16:11

Once again thank you and will let you all know on the progress of the claim.

**mizzpy** · 23rd April 2007 15:11

Have sent my prelim letter today. have to wait for 14 days to be up.

**mizzpy** · 23rd April 2007 15:15

Do we give them 14 days including weekends or is 14 working days?

**Michael Browne** · 23rd April 2007 15:19

Calendar days

**mizzpy** · 4th May 2007 11:12

Well sent my prelim letter on the 23rd and got a reply on 3rd May, well within the 14 days, anyway it is the usual fob off letter our charges are fair and so on and so on. Sending out my lba icon

today.

**mizzpy** · 23rd May 2007 10:14

A & L have not replied to my lba icon

and 14 days is now up. Should I go ahead with court claim?

**sea-sidelady** · 23rd May 2007 10:18

Yes go ahead. Have you decided which you are doing, mcol or N1.

http://www.consumeractiongroup.co.uk...tml#post614610

**mizzpy** · 23rd May 2007 10:23

N1. Just a bit nervous. Can I pay cash at the court?

**sea-sidelady** · 23rd May 2007 10:33

N1 is very easy...

Yes you can pay at the court, or if you are exempt they have forms to sign.

Here is the N1 form...

http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf

Here is the POC icon

http://www.consumeractiongroup.co.uk...-claim-n1.html

Copy these out 3 times when completed, if you have any problems filling them, just ask. Some one will be around who can help.

**mizzpy** · 23rd May 2007 10:52

thanks will go to courts at lunch time and keep site posted as to the progress of the claim.

**mizzpy** · 12th June 2007 14:12

Received letter from Wragge & Co saying they intend to defend all of this claim. What do I do now. I also received a letter from A & L with a cheque for £566.00 which includes the court fee of £120, my claim is for £2516.13. This is their Full and final icon

settlement.

What should I do????

**mizzpy** · 12th June 2007 14:36

Another Question: Do I have to inform the court that I will not be accepting their offer?

**mizzpy** · 13th June 2007 12:06

Please could someone reply

**dizzykate** · 13th June 2007 12:14

hiya

no you dont need to let the court know you are not accepting the offer, just keep copies and send it rec delivery

kate

**mizzpy** · 13th June 2007 12:25

Thank you Kate

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