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  1. Had completed my bundle and forwarded to court for case to be heard on 21st August. Had a letter from the court advising that the court was going to stay the action. Used the letter from this website to appeal against the stay and received this today: Ok, dont have a scanner so will have to type in the details by hand - please bear with me: GENERAL FORM OF JUDGEMENT OR ORDER Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it. IT IS ORDERED THAT 1. Both sides must file a skelton argument and copies of all relevant authorities relied on not later than 7 days before the hearing. 2. This application will be heard together with a number of similar applications at a composite hearing. Also enclosed was NOTICE OF HEARING Take notice that the hearing will take place on 12th october 2007 at 10 am when you should attend. 5 Minutes has been allowed for this hearing. Please note: this case may be released to another Judge, possibly at a different court. then just a bit about if you have any special needs, how delays may be avoidable etc. Anyone got any ideas - what is a skeleton argument and copies of all relevant authorities?
  2. Hi hope someone out there can help me. I was due to go to court last week against A&L but case was stayed. I used a letter I found on CAG to appeal against that and have stay lifted. This morning I received a General Form of Judgement of Order. Basically it says that my case and several others will be heard on 12th october and 5 mins have been allowed. I must file a skelton argument and copies of all relevant authorities relied on not later than 7 days before the hearing. This application will be heard together with a number of similar applications at a composite hearing. What does all this mean and what should I do now??
  3. Brighton County Court are staying all claims - I was due in court on Monday 21st but heard yesterday - will be trying to get it lifted though.
  4. I think you will probably find it will be stayed! - I was due in court on 21st Aug but heard yesterday stayed untill March 2008. I will of course be using the template from this site to apply to have stay set aside but I am not holding my breath!
  5. I am due in court Monday and have not heard anything about case being stayed so far - is there some sort of deadline by which time the court has to let you know? I have a case against Lloyds and heard that was stayed really quickly.
  6. hi got a court date v A&L who do I PM, tried Bankfodder Livelylad but unable to accept anymore messages?
  7. why have they paid money itno my account?checked my statement today and £805 has appeared (my claim was for £919.41) no letter just a suprise credit. Had received papers from court saying a defence had been filed so what should i do now? I am tempted to just accept the money but on the other hand they still owe me £919 - advice please anyone?
  8. hiya the "insufficient evidence" seems to be a pretty standard defence! I take it you sent the A&L a schedule of what you were reclaiming and that when you filed your money claim on line you also sent a written letter to them asking them to attach the spreadsheet to you claim? if not you need to do this now. Also, I sent yet another copy to A&L and Wragge pointing out that this information was included with my original correspondence and filed with my claim and the information came from copy bank statements taken from A&L's computer. The claim will be transferred to your local court. Mine was sent to Brighton 3 weeks ago but I have still not received a date, guess they have a backlog! so with regard to your mortgage settlement will ot be a "quick fix" could you maybe contact your mortgage company and ask them to come to an arrangement whereby you woud pay a little extra ech month untill you catch up? good luck, Lisa
  9. good luck, let us know how you get on! my claim was transferred to Brighton County Court on 15th May 2007 with a note that allocation questionnaires have been dispensed with so I am just waiting for confirmation of my hearing date.
  10. No dont accept £12 - A&L are using this amoung because this is what the OFT set as a fair charge when they investigated credit card charges! I have b een offered £682 for a claim of £2,100 (twice) and I have turned it down and am now awaiting a court date. With regard to the insufficient evidence clause, you should have sent a schedule to MCOL to be lodged with your claim. I assume you sent a schedule with your original letters to the A&L? so now send a copy to MCOL asking them to lodge this with your claim write to A&L, and a copy to Wragge & Co with a covering letter pointing out that you sent these details with your original letters (dates & copies always help). I found an excellent template to use on this site but I cant remember where - try typing in "insufficient evidence" or "Wragge & Co" into the search box as that was how I found it. Dont give up, I am not afraid of going to court, I want all my money back, how dare they try and fob us off having already ripped us off!!
  11. they offered me £682 for £2,100 and I tore the cheque up and sent it back with a letter rejecting their offer. I am now awaiting a court date and gues what I have received another letter offering me £682 - gues what my response is going to be - see them in court!!
  12. I had a letter from A & L saying that they wanted to reassure me they were not going to close my account whatever the outcome was - maybe they are wising up to the complaints being made to the ombudsman?
  13. well sent LBA and got another letter from them - apparently bank charges are not penalty charges but are actually a charge for a service?? anyway I have now filed MCOL for £980 - watch this space.
  14. Ok so the A & L have filed a defence one of the points was insufficient evidence but i wrote back to Wragge & Co (copying in A & L) with another copy of the scedule of charges and interest pointing out that copies of this were attached to each of my previous letters! anyway have received a letter today advising me that it has been transferred to Brighton County court and the allocation questionnaire has bee dispensed with. Funnily enough I have also received a letter from A&L this week saying they are sorry I am not happy blah blah... and they are investigating my complaint. and, get this, another letter offering me £682 - don't they get it, I tore up the original cheque and returned because I do not want this I want my £2,000 back!! Has anyone else come across these tactics, what are they playing at?
  15. I got this today as well and sure enough included clause 10. I sent schedule to the court, their registered address and their Customer services!! will of course be sending again. Good luck to us all
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