Hi Bassplayer, Personally i took mine to the court but i think you can post it. Make sure you take 3 copies of this to the court with your charges spreadsheets attached to each one plus your court fee. They usually send it to the defendant a couple of days later and they have a couple of weeks to acknowledge it. You might receive the acknowledgement from the court while your away so you should be alright. Joe

Hi Mr elmo, I just used the preliminary letter from the bank templates section and just altered any wording to suit a credit card claim. Joe

Hi Sitcom, I am claiming against A&L and they have put that in their defence. I think all the banks have put this in their defence. Joe

Hi Claire, I found this definition of estoppel if its any use to you, A legal restraint that stops or prevents a person from contradicting or reneging on his previous position or previous assertions or commitments. Joe

Hi Jess, Yes they have asked for a 1 month stay , hopefully the judge will reject this. Hi Blue have they given a name for the witness. Also have they called for any expert evidence or asked for any directions. Joe

Hi , Just a quick update , took my allocation questionnaire plus draft order for directions to court today , and received a copy in the post of Wragges AQ which states they dont intend to call any witnesses. Joe

Hi hgj, You will probably receive a 6 page defence of Wragge & co. soon. If it says you have provided insufficient particulars of claim the send a copy of your charges to Wragges and A&L even though you probably have already done so as they have done this to quite a few fellow claimers on here. Personally i ripped the cheque in 2 as i was only offered £273 out of nearly £3000 and sent it back with a letter from the following link. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html No need to feel lonely and confused , just ask any more questions you have on here as we are all in the same situation. Joe

Hi Sharlotj, You need to send one of the letters from this link. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Joe

Thanks Tide. On the AQ under proposed directions is asks if these directions have been agreed with the other party , i presume i just tick no. Is this correct. Joe

Hi all, I received an AQ N150 on Friday and i was just making sure , do i just print off post 2 of this thread as my draft order for directions and can i add a reply to the defence as they quoted the limitations act and none of my charges are over 6 years. If so what do i do. Thanks Joe

Hi Steve, 1 When i done my N1 i took 3 copies of this with 3 copies of my charges list attached to each one which included the 8% interest. 2 It wont matter about the overdraft interest. 3 Yes you can still claim the daily interest. 4 The address to use is Narborough. Hope this helps Joe

Hi, On Friday i received an Allocation Questionnaire from Wigan County Court and was just wondering do i just print out post 2 of the new strategy for allocation questionnaires as my draft order for directions plus post 3 as other information (Section H). Also can i add a reply to the defence as they have quoted section 32 of the limitations act but none of my charges are older than 6 years , the first being from December 2001. Thanks Joe

Hi Lisa, You can accept it as a partial payment and continue with the claim. The template letters for this are here. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Hope this helps. Joe

Hi Trix, The 40 days is for the banks to send your statements to you. The 14 days for the preliminary letter and the 14 days for the letter before action are as set out under the Civil Procedure Rules. Joe

Wigan County Court are still sending out allocation questionnaires.

Hi Bakery, It is recommended to open a parachute account as A&L will more than likely close your account. Your statements will probably come around the 40th day after they received your SAR , so this would be a good time to spend the next few weeks reading through other A&L threads to get a feel of what to expect. Also read through the FAQs and Bank template letters section as this will give you the procedures for you to follow. Good luck Joe

Hi Noisy, I wouldn't worry about Lloyds winning a 2nd case as they only won because the claimant never turned up at court. Joe

Hi , At some stage during the court claim they will transfer it to your local court anyway , unsure when as i didn't use MCOL. Joe

Hi , I personally didn't claim the overdraft interest as it wasn't that much anyway but i think you can only claim that part of the interest that is apportioned to the charges when you went overdrawn. As regards the %8 , this is s.69 interest which you can claim for on your N1 form when you file with the court. Have you filled a spreadsheet out that you can get of this site as this will work out the %8 for you. Joe

Hi Jess68, yes point 8 of their defence states, It is denied that the charges, or any one of them, are punitive in nature and/or a penalty. The charges were incurred as part of the banking services provided by the Defendant and calculated in accordance with the Defendant's terms and conditions agreed to by the claimant. So it seems a standard defence. Joe

Hi dnash, I presume its the N1 youve printed off if so then if you click on this link it will tell you what to write on it. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Also you won't need a solicitor to deal with this. If you have any questions just post them in your thread and fellow claimers and Moderators will answer them for you Joe

Hi Bigmark , Have you sent a rejection letter for this offer. If not you can find rejection letters in the Bank Templates section http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Hi Bongorob A&L seem to follow a standard procedure Prelim Letter - Nothing to do with us only credit cards LBA - As we said its nothing to do with us Court claim - Oh yeah it does have something to do with us and well offer you the difference between £12 and the charge we applied to you. Just follow the procedure as set out by CAG which follows the Civil Procedure Rules which you will find in the FAQs. Also it would be better if you start your own thread in this forum called Bongorob vs A&L and then others will be able to follow your claim and answer any questions you may have. Joe

Hi Russjo, Have you got Excel installed on your computer? If not try downloading openoffice which will allow you to open excel files and it's free. OpenOffice.org: Home Hope this helps. Joe

Thanks Blue.

Bump.