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hi need a little help as im new to this. Ive sent out all the normal letters even called the bank to give them one last chance but was basically told to do one!! now starting to do my mcol but struggling.
Do i need to some how attch a list of the charges with my mcol?
Does it matter if the mcol is just in my name but the account is in joint?
would be grateful for the advice
sorry to be a pest to everyone but since finding this site a week ago ive realised what a fight the banks are putting up !! i suppose i thought it would just be a walk in the park anyway does it matter if the mcol is for a lower amount than originally asked for? The letters i sent to the bank were for £5530.00 not including interest which when added made it more than £6000.00 but as im a student nurse i can not afford to pay the 250.00 costs of a mcol but if i only claim 5000.00 the cost is120.00 which i am hoping to be able to pay by the end of the month. glad to hear so many people have won their cases and good luck to all those who are still trying!!!
would be so grateful for all and any advice
Hi, Just read the post above, have you thought of breaking it up i.e... claim 2007- 2004 now then the rest at a later date? then you're not losing out?
Only problem is to cover yourself if you are claiming for a different amount i would suggest doing the lba again.
Its totally your decision but it gives you another few weeks and it covers you?
send the lba for half the amount now, give them 2 weeks before MCOL, then file for 1 half of your total. Then money permitting file the other at a later date.
Just keep the dates clear in the lba.
Hope that helps
Jen
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Hi,
When youve done your mcol, post a copy of your schedule to mcol and your bank, with mcol send a cover letter asking it to be filed with your claim, remember to put your mcol ref number which you will get when the claim is done.
Jen
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hi sea-side lady yeah read that one but because im a mature student (althought not that mature!) and we dont recieve any benefits i still have to pay thanks any way!
nicky
hi jen yes i did follow all the steps in fact i repeated the last one and rang them up after not hearing from them on the final letter. sorry abit thick when it comes to abreveations thanks again
nicky
Any one know if it makes a difference if the account is in joint name and if u can make a mcol in joint name or does it have to be one? also if i ever do finally win this back and the cheque comes in joint name can i put it into a bank account in just my name as at the min he does not have one and he just uses mine?
Hi, You're not being thick...do'nt worry.
My claim is in joint names but all letters etc have been in my name only. mcol in my name and when you get your cheque as long as your name is on it it should be okay...if in doubt add his name on your acc if thats possible?
jen
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Thanks for the advice ive filled out my mcol just got to wait 2 weeks till i can afford to pay and then send it off. On the list of charges that u have to send to u need to put what there for or just the date and amount as my list just has this at the min but i can change it, and do u think they will settle out of court or do they like dragging people all the way?
Again thanks for all the help!!!
Hi, I've just put the date and amount but others have put which it was i'e failed dd, bounced chq etc. I am sure they will settle my claim is abit tricky as its more than 6yrs but if you keep reading the threads, A&L are settling all the time.
Jen
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Well good luck with yours let me know how u get on!! i must admit i thought they may of settled before now i even sent them a letter offering to taken a lower amount but they still said no! thanks again
I refused a settlement of half the amount just after i filed mcol, but i was really nervous. It was nice having the cheque for a short while....
Good luck..I've subscribed to your thread so i'll keep up to date with you...
Jenny
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Hi all!
Did any one else catch the news this morning regarding a bank that won its case in court, i missed some of it but what i did hear worried me as im hoping to send off my mcol this week end
Hi has anyone else had a REALLY silly offer from alliance and leicester accompanied by a letter on how the courts are now looking at this in a different light? i did this morning my claim is for £5535.00 and they want to offer me £52.31 as this amount is apparantly the difference between a £12 charge and what they ve charges me!!!!! what a joke!!! Dont think im even going to lower myself to reply to that one but would be interesting to know if this is normal
Hi, I've not had this but the way they act doesnt surprise me, for every 1 person who gets this far.....dozens give up. Keep confidence in yourself and your claim.
Jen
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Thanx Jen, Dont know if im excited or nervous!! but these little things keep playing with my nerves. The letter they sent was very well worded on how their solicitors have been told that judges will start looking at this the same as credit cards and therefore will not have to give a full refund. It 's enough to put any one off !!!
Hi Nicky, My letter was similar i.e bank charges were lawful and therefore un-claimable...the oft was talking about ccards so my claim was not realevant*(spelling???).
But i did have a nice chat with a&l today. Going to court was not even mentioned so hopefully we'll get a offer soon, but £52 is taking the p***!! They are acting like its not serious enough to them which could be a good thing???
Jen
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allen V's A&L
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thanks again 
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