Thread: Buckbygirl v A&L

Help am new to CAG!! - have been following Martin Lewis's site. I have successfully reclaimed £500 and £997 from A&L and am now claiming £650 on my last account with them. I have sent all the letters and schedule of charges several times and have entered a claim with MCOL. I have just received 6 page defense letter from Wragge's but have not yet received a copy from the court. They state that I have not particularised my claim or particularised each and every charge!! But I have sent this to A&L and have quoted the account number during correspondence and telephone calls. Because I have been following Martin's site I haven't yet sent a copy of the schedule of charges to the court or the solicitors (Wragge). Can anyone advise what I should do now???? Do I send them immediately or what? And am I wasting my time trying to pursue this now?
Any advice greatly received!!

Originally Posted by buckbygirl

Help am new to CAG!! - have been following Martin Lewis's site. I have successfully reclaimed £500 and £997 from A&L and am now claiming £650 on my last account with them. I have sent all the letters and schedule of charges several times and have entered a claim with MCOL. I have just received 6 page defense letter from Wragge's but have not yet received a copy from the court. They state that I have not particularised my claim or particularised each and every charge!! But I have sent this to A&L and have quoted the account number during correspondence and telephone calls. Because I have been following Martin's site I haven't yet sent a copy of the schedule of charges to the court or the solicitors (Wragge). Can anyone advise what I should do now???? Do I send them immediately or what? And am I wasting my time trying to pursue this now?
Any advice greatly received!!

If you can get the money back, how can it be a waste of time?

You've done it before, so you know that it works, buckbygirl.

From the things I've read round the forum I'd say the letter from Wragge is standard. If you haven't sent a copy of your schedule of charges to the solicitors do so now. I think you also need to send a copy to the court - if I'm wrong on this last comment someone will tell you.

Originally Posted by buckbygirl

Help am new to CAG!! - have been following Martin Lewis's site. I have successfully reclaimed £500 and £997 from A&L and am now claiming £650 on my last account with them. I have sent all the letters and schedule of charges several times and have entered a claim with MCOL. I have just received 6 page defense letter from Wragge's but have not yet received a copy from the court. They state that I have not particularised my claim or particularised each and every charge!! But I have sent this to A&L and have quoted the account number during correspondence and telephone calls. Because I have been following Martin's site I haven't yet sent a copy of the schedule of charges to the court or the solicitors (Wragge). Can anyone advise what I should do now???? Do I send them immediately or what? And am I wasting my time trying to pursue this now?
Any advice greatly received!!

You've had the standard defence that we've all received.

I sent a copy of my schedule to Wragge and said I hoped this clarified my claim. I also rang the court and emailed them a copy to attach to my claim.

Don't panic, just do the above and wait to hear from the court.

Many thanks for the info!! I am just a bit panicky in case I end up in court this time as on the other occasions they have coffed up the dough without too much of a fight!! Although I have to say I will look forward to it!! Would love the opportunity to say my piece to those chuffers!!! What stage are you at now - have you got your money or are you going to court??

Just awaiting a court date at the moment ... should get it this next week according to the court, so will know more then.

Unlikely it will reach court and, if it does, they won't attend (no bank ever does).

Good luck- let me know what happens!!
I have just composed a letter to those Wraggy people!! What do you think? Do I need to say anything else or be more pleasant??

Letter:
In response to your defence received on 17 May 2007, please find attached a schedule of charges thatparticularises my claim.
A schedule of charges has been sent to Alliance & Leicester on three separate occasions and documentary evidence will be provided to the court to confirm their receipt. A schedule of charges has also been lodged with my claim.
I hope this clarifies the situation.

Originally Posted by buckbygirl

Good luck- let me know what happens!!
I have just composed a letter to those Wraggy people!! What do you think? Do I need to say anything else or be more pleasant??

Letter:
In response to your defence received on 17 May 2007, please find attached a schedule of charges thatparticularises my claim.
A schedule of charges has been sent to Alliance & Leicester on three separate occasions and documentary evidence will be provided to the court to confirm their receipt. A schedule of charges has also been lodged with my claim.
I hope this clarifies the situation.

That sounds great ... very similar to what I said. I just added a paragraph asking them to let me know if there's anything else I can help them with (though it killed me to say it). That way, they can't say you're being awkward at least.

Will let you know how I get on and good luck yourself.

Thanks - feeling a bit stressed with all this now - I have been writing letters and arguing the toss with A&L since Feb.
Good idea to add that bit to the letter tho, sticks in ya throat a bit!! Will amend and then send. Can I send my schedule of charges to MCOL via e-mail? I intend to post a copy also but thought it might be a bit quicker!

Originally Posted by buckbygirl

Thanks - feeling a bit stressed with all this now - I have been writing letters and arguing the toss with A&L since Feb.
Good idea to add that bit to the letter tho, sticks in ya throat a bit!! Will amend and then send. Can I send my schedule of charges to MCOL via e-mail? I intend to post a copy also but thought it might be a bit quicker!

I emailed my charges to the court a week or so ago ... rang them up first. They didn't seem that bothered about receiving them at that stage, but best to cover your back.

Thanks, I have just e-mailed them and will post copy to be sure. Have they closed your account yet? They have closed mine on 18/5/07. However, I have filed a complaint with the FO but they don't seem that helpful!! A&L paid out on my joint account claim but reckon they have settled on my single account hence they are now getting a bit narky! I am still going ahead with my claim because what they have paid out on does not reflect the charges on my single account. The reference numbers they use keep swapping and they have cocked it up big time. I got a woman in Liverpool customer services to admit the other day that she receives a claim and attaches it to any account in that persons name i.e if someone had 4 accounts with A&L and she receives a claim, she will put their name into the system and attach the claim to the first account she sees (regardless of the details of charges that have been submitted to the 'CARE' team). she also admitted that her team and the 'CARE' team (where initial letters are handled) do not correspond with each other and that is why reference numbers keep changing.
All this made me even more determined to follow this through as A&L do not know what they are doing and will find it very difficult to put a defence together! On the day I received the defence from the nasty Wraggas I got a cheque and letter offering a miserly sum on my joint account (using the same claim number for both!!!). This has already been settled and I have sent letters to the court and A&L. Stupid A&L!!!

Agreed ... every new claim is just adding to the chaos and the more cock-ups they make, the better for us in the end.

I moved the DD's and Standing Orders over to a new account a few weeks ago and it's all going through, so soon the account will be closed anyway.