Hi Mimi Thanks for the response. You have virtually made up my mind to refuse this second offer and see what they come back with. My only concern is that I would have thought that by now all the banks would have had consistent approach to these claims, but it appears to me they are all over the place. Just reading the A&L threads, some people appear to have had a fully paid up settlement virtually straightaway, some people get several offers as the court date approaches, some people are consistently turned down and some people settle on the steps of the court on the day of the case. Has anyone got any ideas as to why the banks (A&L in particular) adopt a different approach? after all, all the cases are basically the same, we are reclaiming inflated bank charges, so shouldn't they adopt the same approach to claims? after all, how much are they paying their solicitors to "defend" every case and then settle at some point before the case gets to court? (yes, I probably am being innocent in my thinking!).

Afternoon everyone. I decided not to take the partial sttlement and wait for the court date, which has been set for the 20/August. I recieved a letter from the solicitors (Wragge & co) today stating that they have been instructed by their client (A&L) to offer me a higher sum plus my £120 court costs. The new settlement figure is around 40% of my original claim. Is this normal to get a second settlement offer? if it is and I turn it down, has anyone ever had a third settlement offer or will I need to go to court? Any advice would be gratefully received!

Can I ask for more advice please from everyone out there as I am totally confused by the situation now! Wragge and Co have filed a defence on the 20/June - they had until the 28/June to do it. Can someone tells me what happens now? I haven't heard from the courts, am I meant to get in touch with them? how long will it be until my case is heard in court? is it days, weeks or months? does anyone know at what point A&L may get back in touch with me or will this now actually go to court? Thanks!

Just got a letter from A&L and I haven't seen this mentioned on any other threads. I turned down their partial offer but said in a letter to them I would accept a settlement figure of around 80% of my claim otherwise I would see them in court. I then received a letter from their solicitors saying they would defend the case. 10 days after that (ie today) I get a letter from A&L saying that they "thank me for taking the time to contact them" and that they are looking into my case and will respond ASAP. Has anyone else had this letter and if they have, what happens next? Thanks again!!

Hi everyone, thanks for the posts. I'm going to sit tight and wait to see what I get back from my local court and then read up a few more threads on here!

Hi MimiJane, thanks for the post, it's appreciated. I did think about sending Wragge and Co a copy of the charges schedule, but as this was attached to the original court papers submission, I would have thought that it was up to A&L to have supplied their own solicitors with all the relevant paperwork. If they fail to do that, do you think that that strengthens my case in the eyes of the law? if they can't supply their own solicitors with all the paperwork, what case can they have to answer in court! This is exactly the type of problem a lot of us going through this process will get and I wonder which is the right way to go with it. Anyone out there got any other thoughts on whether it is down to me to supply the A&L solicitors with the relevant paperwork?

Caro, thanks for your help. That's exactly the template that I used to submit my claim to the court. I'm still concerned though as to the points I raised in #24. Are you saying that as I long as I used the template you have mentioned, I shouldn't have any concerns as to the claim by Wragge and Co that I haven't supplied sufficient "particulars of claim"? does everyone get this sort of defence document containing the same details?

Thanks for the response, what do you need to know? I have followed the various threads on this website. I submitted a claim form along with the fully completed "schedule of charges" claim form to my local court on the 22/05 and they served it on the A&L with a "deemed to be served date" of the 24/05. Wragge and Co (the A&L solicitors) gave notice that they intended to defend all of the claim in a letter dated 01/06 and in the same post I received a partial settlement cheque from A&L for around 20% of my claim. If I accepted this, it would be in full and final settlement. I wrote to A&L on 09/06 turning them down and then today received this letter from the solicitors stating that they intended to defend the claim with also the queries I posted in #24. To be honest, at this point I am seriously thinking of accepting the partial payment as the defence submission from the solicitors has left me totally baffled and I wonder if it is worth the hassle in prolonging this. I really would appreciate some views of members of this group and advice as to my questions in #24. Thanks very much.

Hi everyone, Stiill struggling and I would appreciate some help. I turned the A&L partial offer last weekend and today I received the defence paperwork from Wragge and Co today but to be honest, I am lost with the way it is written. It contains 27 points and 99% of it is written, as far as I can see, to be as confusing as possible. In one part of it, (section 9) They state that there is "insufficient particulars of claim" and that I have failed to particularise adequatley or at all the claim against the defendant". I have already sent off all the details as per the spreadsheet to the court and to the A&L so why are they saying this and am I expected to send them again to the solicitors? Can anyone please tell me what I am meant to do with this defence note from Wragge and Co and advise me what happens next? thanks.....

Thanks for your help with this.

If I send the partial settlement back, what happens next? will the solicitors get back in touch with me? if they do, what will the contact be about? or will they submit a defence to the courts within 28 days? and then what happens? Thanks!

Can someone help again please? I have taken the claim form to the court and received notification from them that it has been deemed to served on the 24/May. Today (01/06) I have received a letter from A&L solicitors, Wragge and Co, telling me they intend to defend the claim. In the same post, I have received a separate envelope from A&L containing a cheque offering a partial settlement of about 20% of my total claim. The settlement figure also includes the court fee that I have paid. My questions are : 1. Has anyone else received a letter stating the intention to defend the whole claim AND a partial refund in settlement in the same post? From reading other posts, people have been getting these letters but they are usually at quite different times of the process rather than on the same day. 2. If I refiuse the partial settlement, does anyone think that A&L will actually turn up and defend the case? have they ever defended a case? 3. If they do defend the case, will I be liable for anymore court costs or other charges? As usual, thanks for any advice anyone can give me.

Hi everyone, Still dealing with A&L. I have had the standard second letter in reply to the LAB (letter before action) stating that their charges are reasonable and competitive etc and they are turning me down so I'm going through the process of completing the form to take them to court (the N1 form). One thing I am stuck on and I can't seem to find anything explaining it in the FAQ's is this 8% interest claim under 69 of the county courts act. I would really appreciate some help / guidance. What do I put as a total amount in the "Interest under s.69 County Courts Act 1984 £xxx.xx" box? I understand that the interest is calculated from the date of issue (IS THIS THE DATE I SUBMIT THE CLAIM FORM TO THE COURT?) but what is the "to" date of judgement / settlement? Could somebody give me a brief "idiots" guide as to how to calculate this figure? The total charges I am hoping to claim back is £1,212:00. I apologise if I have overlooked this somewhere in the FAQ's Thanks

That's great, thanks for all your help. I will have a good look around the site and follow the guidance. Once I get a result, I will post it and let everyone know.

It was the "Bank Charges 14 day" letter. I downloaded it from the BBC Business section website and completed it along with sending the statements showing the charges.

Can anyone offer some advice please? A&L Girobank stalled sending me statements for close on two months pushing me from one person to another and each person promising that the statements would be sent. After many telephone calls I finally received the statements. I sent the relevant claim form off to them with copies of the statements and received a reply within 5 days saying that they weren't prepared to refund anything at all as they make details of their charges known on all documentation, websites, branches, by telephone etc. My questions are : a) should I now just file a claim with the small claims court and see what happens or is it worth writing to them and telling them that's what I intend to do and see if that pushes them into refunding the charges? b) is this common policy by A&L to refuse all refund requests initially? and c) has anyone else been in this position and what did you do next? Thanks!!