Also do i now send a copy of the charges to wragge and co?

:idea: :idea:

Thanks Jen it helps to know theres people out there that i can ask.

Do i need to do any thing regarding the judgement bit on my mcol and also whats the time frame now?

Thanks for every ones help so far dont think i could have got this far with out it!!!!

Had my post this morning and in it was a letter from Wragge and Co saying this is a copy of our clients acknowledgement of service and they are going to defend. I have read so many threads that i am now getting confused WHAT DO I DO NOW?????

PLEASE HELP!!! :confused: :confused:

HI

Just wondered my mcol was issued on the 24/05/07, if the bank has five days to reply does that include weekends or bank holidays? As i dont seem to have had one yet is this normal?

Thanks

NEED A LITTLE HELP!!!!!

Ive filed my mcol and have looked on the site today and its asking me to choose from two options

1) Judgement by default

or

2) judgement by admission

What does this mean and which one do i choose???

This is getting scarey now :o :o

Hi dont worry if u followed other sites think they are all roughly the same, i kind of followed this one and the gmtv one as that how i first heard of all this. I too offered a&l the option of paying me a reduced amount and got the reply that they were looking into it and it would take up to 56 days!! i didnt wait for them i sent them a letter saying that it was not good enough and had 5 days to make me a suitable offer, i even rang them when this was up, which was a waste of time!! to be told the normal stuff i.e these charges are in the terms & conditions blah blah blah. So now just about to do my mcol and have recieved a letter offering me ................

£53.00!!!!! without interest my claim is £5531.00 so they can stuff their offer would rather lose at court!! So keep going we can not let them win!!!

Hi I wouldnt mind but they havent even done their maths right, £52 is not the difference between what they charged me and this magical £12 anyway!!! Well should be filing my mcol tues so here i come!!!! :evil:

Thanx Jen, Dont know if im excited or nervous!! but these little things keep playing with my nerves. The letter they sent was very well worded on how their solicitors have been told that judges will start looking at this the same as credit cards and therefore will not have to give a full refund. It 's enough to put any one off !!!

Nicky

Hi has anyone else had a REALLY silly offer from alliance and leicester accompanied by a letter on how the courts are now looking at this in a different light? i did this morning my claim is for £5535.00 and they want to offer me £52.31 as this amount is apparantly the difference between a £12 charge and what they ve charges me!!!!! what a joke!!! Dont think im even going to lower myself to reply to that one but would be interesting to know if this is normal

Nicky

Hi all!

Did any one else catch the news this morning regarding a bank that won its case in court, i missed some of it but what i did hear worried me as im hoping to send off my mcol this week end

Well good luck with yours let me know how u get on!! i must admit i thought they may of settled before now i even sent them a letter offering to taken a lower amount but they still said no! thanks again

Thanks for the advice ive filled out my mcol just got to wait 2 weeks till i can afford to pay and then send it off. On the list of charges that u have to send to u need to put what there for or just the date and amount as my list just has this at the min but i can change it, and do u think they will settle out of court or do they like dragging people all the way?

Again thanks for all the help!!!

Any one know if it makes a difference if the account is in joint name and if u can make a mcol in joint name or does it have to be one? also if i ever do finally win this back and the cheque comes in joint name can i put it into a bank account in just my name as at the min he does not have one and he just uses mine?

hi jen yes i did follow all the steps in fact i repeated the last one and rang them up after not hearing from them on the final letter. sorry abit thick when it comes to abreveations thanks again

nicky

hi sea-side lady yeah read that one but because im a mature student (althought not that mature!) and we dont recieve any benefits i still have to pay thanks any way!

nicky

Thanks jen i think i have used their head office address but i will double check before i send if off. this may sound really thick but whats a lba?

nicky

ive got some other questions too that i could do with some help with if u get a chance. i started my own thread just hope i get this right im very new to all this!!

nicky

thanks jen just about to do my mcol and still finding out all the different things i need to do cheers

nicky

hi how do u find the address of a & l solicitors

sorry to be a pest to everyone but since finding this site a week ago ive realised what a fight the banks are putting up !! i suppose i thought it would just be a walk in the park anyway does it matter if the mcol is for a lower amount than originally asked for? The letters i sent to the bank were for £5530.00 not including interest which when added made it more than £6000.00 but as im a student nurse i can not afford to pay the 250.00 costs of a mcol but if i only claim 5000.00 the cost is120.00 which i am hoping to be able to pay by the end of the month. glad to hear so many people have won their cases and good luck to all those who are still trying!!!

would be so grateful for all and any advice

hi need a little help as im new to this. Ive sent out all the normal letters even called the bank to give them one last chance but was basically told to do one!! now starting to do my mcol but struggling.

Do i need to some how attch a list of the charges with my mcol?

Does it matter if the mcol is just in my name but the account is in joint?

would be grateful for the advice

hi mimijane just wondered if it made a difference if the bank is in joint names but the mcol is just in mine, my partner knows im doing this but there only seems space for one name on the mcol is this ok??

hi there wondered if i can ask when doing a mcol how do i send a list of charges with it

hi wondered if any one can help me ive been done the sending all the letters path but still no joy infact i even called the a&l and was basically told to get lost so now just starting the court process. Ive part filled out my mcol but am i little confused there seems to be a lot of people talking about a spread sheet of charges? ive got a full list of my charges going back to march 03 adding up to over 5000.00 if im supposed to send these with my mcol how do i do it?? need help!!!

just a question how much does it cost to take it to the small claims court