Hi all,

my court date is rapidly approaching (August 3rd) - i havent been asked to send anything in yet by the court. However as everything needs to be sent to the court 14 days before the hearing, i assume i should sent documents in now.

can anyone tell me what i shold do? - i will shortly be sending off my up to date schedule of charges, together with highlighted statements. what else do i need to send?

if anyone is in the same position, i would be grateful to hear from you.

regards,

Tim

Is the court bundle all correspondence between all parties, received and sent?

Hi All,

I received a letter from the Court confirming the court date for 3rd August.

I called the court who confirmed i did not need to do anything at the moment.

Has anyone else received a court date too?

Is it A & L's intention to wait until the very last minute before the court date, to pay out?

Regards,

Tim

Hello,

I called the Bristol County Court today who confirmed that the case has been transferred to them. They said that i should hear shortly with regards to what will happen next & at the moment i dont need to fill out an allocation questionnaire until i am sent one.

Watch this space...

Tim

I have received a letter from Northampton County Court saying they have transferred the case to my local court and enclosing a copy of the defence from Wragge & Co - they also mention something about an allocation questionnaire?

is this standard procedure? do i need to respond in anyway?

What happens next?

Thanks for your help

Thanks for that - i sent a letter to Wragge & Co to that effect yesterday.

Anyone know the process on what will happen now?

Thanks

Tim

Hi,

It just says about their charges are fair, referring to their terms and conditions and justifying the charges one by one. They also quote the limitations act, so it sounds similar to what you may have received.

Do i bother replying and with what?

Tim

Hello all,

I have received the defence papers from Wragge & Co detailing, in 25 points, how their charges are reasonable etc.

Has anyone else received something similar?

Do I need to respond in any way?

Thanks

Tim

Excellent.

When replying i will attach a copy of my schedule of charges.

Should i also send a copy to their solicitors or just send it to A & L and they can send it on if they wish?

Tim

Thanks Jen,

Is there any sort of template for me to reply to A&L rejecting their offer and advising i have destroyed their cheque?

how long will this drag out for?

Thanks,

Tim

Hi all,

After receiving no payment following my LBA, I have progressed my claim onto the courts.

I issued my MCOL on 02/05 for a total of £1,200 (inc court fee) and sent the schedule of charges onto the court.

I have today received a letter from A & L saying that they believe their charges are fair, blah, blah, and offered a measly £324.50 (chq included) in full and final settlement.

Obviously i am not going to accept this and will destroy the cheque. Does anyone have any suggestions of a reply - i was thinking along the lines of 'i do not accept your offer and will only accept £1200.00, enclosing the schedule of charges' - is there any template i can use for this?

I have also received a letter from A & L Solicitors, confirming they will defend the claim. is this anything to worry about? anyone been through similar process and can advise what might happen next?

any helpful comments much appreciated.

Feel free to PM me as well.

Regards,

Tim

After returning my payment and ID on 22 March 2007, i received a letter from MBNA dated 3 April 2007 confirming receipt of my payment and ID and saying they will send me all the info in the next 40 days! - Even though my initial SAR was back on the 7th Feb 2007!

I have today written to MBNA stating i do not accept they have a further 40 days to comply & if i dont receive a reply in the next 7 days i will be submitting a court claim for non-compliance.

I will endeavour to keep you all updated!

Regards,

Tim

I have received a letter dated 26 March 2007 from A&L basically saying they're not paying etc etc.

I have today sent a LBA letter requesting settlement within 14 days.

I will endeavour to keep you all updated!

Regards,

Tim

Thats a great help.

Ive just called A & L who advised that my account was opened in June 2001. The copy statements they have sent free of charge only goes back to March 2003!

God knows what charges they've tried to keep from me. I think you're right, I will need to return the chq with my ID and get full statements.

how long do they have to send the full statements to me, given the fact that the 40 days has already expired? (it says in the letter they have another 40 days to send them?!)

how would i word it?

thanks

Thanks for that info.

I have a few statements for last year, so have checked them against the copy statements they sent me and all the charges (late fees and payment fees) are all on there, so I think i will proceed on the info they have sent me.

Is there a template letter to say that i accept their offer as partial payment but will be pursuing the rest?

also, to clarify, can i only add the contractual interest (24.9%) onto my claim if i have to do a MCOL?

Many Thanks,

Tim

Could someone please clarify please?

thanx muchly

Hi all,

I have received a letter from A & L today in response to my SAR letter.

It states how their charges are fair etc. They have returned the £10 cheque and provided details of all the charges free of charge!

They have also offered £480 in full and final settlement - am i right in saying that i accept this as partial payment of the claim as long as they settle the rest?

Could someone please clarify if i can claim back the following:

Cash Advance interest (Promotional Cash Interest charged)

Retail Interest (Promotional Retail Interest charged)

Cash Advance Interest (Cash Interest charged)

Retail Interest (Retail Interest charged)

Kind Regards,

Tim

ive checked the FAQ section but cannot see the answer to my specific question.

am i ok to include 'failed direct debit charges' in my claim?

could someone please confirm??

thanks muchly

I received a letter from A & L dated February 22, 2007 stating that they will send a full response by March 15, 2007 (tomorrow).

Received my statements today (3 days after the 40 days had expired).

Am I able to include the 'failed direct debit charge' (of around £30.00) they have charged me, when i submit my charges spreadsheet letter?

Regards,

Tim

Hello all,

i am putting a claim through and have reached the MCOL stage.

When i send the schedule of charges to the courts (3 copies) do i change it to show the days since offence as of today, which would increase the 8% APR amount?

It would be a different amount from the schedule of charges i sent with my LBA letter.......

thanks

Tim

Hi all,

After reading about opening up a 'parachute' account incase A&L close my current one down, ive been applying (but keep being turnt down) for a new account elsewhere.

Ive tried Cahoot, Co-operative, Nationwide, Abbey - but ive been turned down by all of them.

I know my credit rating is poor and this is the reason why im being rejected.

does anyone have any ideas please?!

Regards,

Tim

Hi all,

where is vampiresses spreadsheets for cc & cont int?

is this not in the template library, cos i cannot find it....

Cheers

Tim

Hi All,

I have sent my SAR today with the £10.00 fee.

Now eagerly awaiting my statements.

Any help on future posts will me muchly appreciated.

Thanks,

Tim

Hi All,

I sent my SAR letter on 30/01/07 with the £10.00 fee.

Eagerly awaiting my statements now!

Any help on future posts will be muchly appreciated.

Regards,

Tim