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A very good morning to you all.
This is my first post on the alliance & leicester forum.
I very much wish i had posted on here sooner, the amount of information and help I have received is very reassuring. (thankyou mimi & parkvale)
Briefly I started my claim through the martin lewis site via the templates
my claim is in the region of £1300. plus interest
12 March 2007 1st template letter to Alliance requesting statements
16 April 2007 Alliance responded by posting out the statements.
27 April 2007 2nd template letter to Alliance & Leicester requesting refund.
2 May 2007 Alliance replied standard letter 'charges applied are correct'
4 May 2007 3rd template letter to alliance attaching list of all their charges.
10 May 2007 Alliance letter - 'thankyou for highlighting your concerns'
30 May 2007 Alliance letter - 'sorry review of matter taking longer'
31 May 2007 Alliance letter - offer of £124 in Full and final settlement
5 June 2007 Commenced my claim on line MCOL.
Particulars of claim box - very limited. 1000 words
hope I have worded the particulars correctly ?
6 June 2007 My Claim issued
8 June 2007 Alliance letter received with my Claim Ref headed on their letter enclosing cheque for £244.00
being £124. settlement and £120. court fee.
11 june 2007 getting worried I hadn't written sufficient particulars in Claim,
so sent off a list of my charges (not on a spreadsheet!) and a reworded particulars of claim on plain piece of paper requesting they be attached to my claim. (sent to Northampton county court)
I now think that perhaps i have typed out the wrong particualrs and that these paraticulars are for a business account ?
11 June 2007 Wragge & Co wrote enclosing Clients Acknowledgement of Service giving notice of intention to defend. Gulp.......
13 June 2007 Wragge & co send me a copy of Client's Defence. signed by Trainee Solicitor. A 6-page document. ... double Gulp.....
Point 2 - Particulars of Claim disclose no reasonable cause of action and ought to be struck out.
Point 9 - Insufficient Particulars of Claim: Claimant has failed to particularise the claim against the defendant. Defendant repeats paragraph 2 above.
Point 25 - overdraft/set off - any refunds to be set off against overdraft.
I'm Getting Worried now - So prepare my First Ever Spreadsheet yesterday.
and to my horror, find my calculations are wrong that I had sent with my Claim.
I did not remove Charges that were later refunded by the alliance when I telephoned at the time (approx £140.)
and I also added a 'blanket' interest rate on the whole sum (approx £100.)
as I did not realise you had to calculate each charge separately - so now my interest charges are nearer to £400. what a silly-billy......
So I am now beginning to panic.
I have been very kindly advised by Parkvale (thankyou) to submit an Amendment Form.
Can I download this ? or do i have to go into court for one ?
Should I re-type my Particulars of claim, and which one should I type when I send in my spreadsheet.
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My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.
Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
ALICE v A&L My Claim - Timescale of Events
settlement
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