Thread: A & L advice please

Hi have just received a letter from A & L saying they are offering me a Full and final settlement of $707 as this is what all my charges work out at if the oft are right and bank charges should be $12 i filed for court on the 1st may if you fight on would the judge rule that they are right and $12 is fair thanks mikey
also a little starwars joke for you
MAY THE FOURTH BE WITH YOU

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Could you not accept this as partial settlement and still go for the balance plus interest?

they say on the letter that this will be Full and final settlement?

Absolutely not - the £12 suggestion is laughable.

The OFT only said that they would not take any action themselves against a c card company charging this much or less. It is NOT set out by the OFT as an acceptable level of charges. In addition the charges you are reclaiming are UNENFORCEABLE - that means just that - they cannot be enforced - in their entirety. Unenforceable does not mean "partly unenforceable, except some random amount of £12.00".

A & L crack me up. I issued for my brother - they paid up over £5k without defending. I then issued for his joint account with his O/H for less than £1000 - Wragge & Co have entered a defence - ho hum.

And to make their suggestion even worse if they have defended your claim they will have said that the cahrges are fair and reasonable, blah blah, so why do they now say that £12 is the correct figure - either the amount they charged was a correct estimate of their loss at the time they charged it or it is unenforceable.

Wragge & Co have even said the charges are fair and represent administrative costs in thier defence mentioned above and in that defence have also said that £12 is a fair figure. What a bunch of dolts.

Tell them where to get off adn don't be phased by their crass stupidity.

Hi have now sent them the letter refusing there offer thanks for the advice