Hey guys I am lost here with all this court jargon....... but with your help I will get there! Ta guys Jen X;)

Dear Madam, Re: Jen V A&L With reference to your most recent correspondence dated yesterday I would like to advise you that I did try to use the address that I was in correspondence with in England (Bootle, Merseyside) but as this was not within My jurisdiction, and on seeking advice from Maria Boyle thee Listing Officer for small claims. We decided that by trying to use the Narborough, Leicester address that it would only further delay this case. As I am a Northern Ireland resident I can only serve papers to a Northern Ireland address under Court rules, the address you request that I use is in England. Your clients had ample time to respond and they failed to do so, they are now making pitiful excuses with regard to the address of which the papers were served in an attempt to delay the case further. I have no doubts in my head that all banking staff in the country have been briefed on the recent goings on with the OFT, furthermore on how to handle customer enquiries. I therefore fail to understand how it could be possible for your client to be unaware of the application in question. Does your client use fax machines? telephones? I put it to you that it is your clients own responsibility to ensure that such important documents served by a court should be passed on to a relevant member of staff, one that has preferably been appointed to deal with Unfair Bank charges. I know that this is the case as I have made enquiries via telephone and been asked to hold until they get someone that has been appointed to deal with this specific matter. How/Why did the management of the branch that the papers were served fail to act on them?? Surely they are aware of the importance of Court documents needing dealt with. These documents should have been faxed to the registered branch in Leicester on delivery from the courts and further more forwarded to you. I can not be held accountable for your client’s actions. When you last wrote to inform me that you are now acting on behalf of your client you could have advised me that I needed to change corresponding addresses as you surely possess copies of both parties correspondence to date. Both you and your client failed to pass this information on to me. I feel this is just another delay tactic from Alliance & Leicester. I filed this case with the NI Courts on 12th June 2007. I also forwarded a detailed letter of my intentions on doing so to your clients the day before this and they responded to me with a copy of the first “standard” letter that I received from them in April 2007, was this mistake on their part? if not I ask you to explain how did they address my letter?? I put it to you that your clients are struggling to cope with such a high volume of complaints that they are not addressing each case as individual. They send the same “standard” letters to hundreds of people per day. It is an insult especially when I consider the amount of time I have had to dedicate to get myself this far, unlike you who is being paid for what you are doing. I will be seeking advice from legal representation on how to have the Decree reinstated in light of the fact that her Honour Judge Collins only acceded to your application under false information from you. I will also be applying for the stay to be removed on the grounds of financial hardship.

10th Sept 07 Another letter from the court this time; Please take notice that an applicationhas been received from A&L to set aside the decree made on 9th August 07 If you wish to reply to this application, you must do so within 14 days You should attend Court if you are the party making the application or if you object to it. Should the district judge set aside the Decree you need to be prepared for the hearing. I sent a letter to the Courts objecting to this application but i am concerned they never received it?? and as a result of this The Default Decree has been set aside by the district judge. I did not attend the hearing as my grandfather was taken into hospital, and I had to accompany him. I will copy and paste the letter I am going to send to their solicitor. I would appreciate feedback on weather or not this is acceptable.?? pls read letter 1st Can I apply for the judge to reinstate the Decree on the grounds of A&L solicitor giving her false information???

9th August 07 DECREE FOR ASSESSMENT IN SMALL CLAIM ACTION - - - I won on the grounds of no notice of dispute and/or counterclaim having been received from the respondent an amount to be assessed by the district judge 22 August 07 got court date for Oct 07 31st August 07 Got a letter from the courts stating that the district judge has directed all bank cases be stayed.

Alliance & leicester £720 + % + costs = approx. £1100 Hi to all u busy ppl (I hope you are not too discouraged with the recent OFT announcement). Heres where I am now at now Online claim registered 13th June A&L did not defend so I applied for a default decree on 9th Aug I recieved A Decree For Assessment in a small claim action which stated: "No notice and/or counterclaim has been recieved from the respondent, it it is this day ordered and decreed that the applicant DO recover from the respondent an amount to be decided by the Disrict Judge." Now I am no genius but this looks to me like I am winning so far:D (The Court has not put a Stay on this case) I then recieved a letter from the Courts: Small Claims Assessment " Take Notice that the above matter has been listed before the district Judge............17th October2007 If you are the applicant you are required to attend the hearing and bring all the relevant documents with you. If you are the respondent you may attend the hearing if you wish but you must inform the applicant and the office in writing if you intend to do so. correct me plz if I am wrong but i think its almost over & I will be transferring to the success pages heheeee Thank u to all who helped & supported me threw this.. x TO any1 at the beginning of their claim Plough on & keep Focused it really is worth it.. x Jenny Xx

Okay heres where I am at now.......... A&L have until tomorrow to defend8) so fingers & toes crossed, that it slips threw unnoticed. Its been a long wait & a lotta hard work so hopefully it pays off. I have also recieved an offer of £212 from MBNA which I am thinking of accepting as the total charges where £420 originally. This seems to be a pretty fair 1st offer. Good luck to all in their quest. Jen

Thanx Martininni I done a search and came up with this address 63 royal avenue belfast co antrim BT11FT So I was gonna try it:confused: Jen

Hi Ginnser I was reading ur threads and firstly CONGRATULATIONS on your success. I too am in NI claiming against A&L But I am having problems. Could you please tell me what address you used for the alliance and leicester as the courts are telling me I need to reside in england as i used the BOOTLE MERSEYSIDE Address Cheers Jen

Alliance&Leicester Northern Ireland URGENT HELP REQUIRED I am having serious problems and I cant work out what to do?? IF you can help me please do:o Heres where I am now............. I applied online through CourtsNI for small claims sitting - The online system would not accept the BOOTLE MERSEYSIDE Address so I used MY local branch address. They responded by saying they needed more details - I phoned and emailed them back explained what I had done and provided the other info they needed - they said this was fine - I recieved a letter this morn in the post stating----------- " I am unable to process your documentation until the undernoted matters are attended to. Your small claims application requires service in England/Wales. I have endorsed the application with the required certification, which you are required to sign and date before returning. Before you decide to proceed with the application it is important that you are aware of the following factors: 1. It takes longer to obtain a decree as additional time is required for service outside the Jurisdiction. 2. If you are unsuccessful in obtaining a decree and you wish to enforce it, you can only enforce it through the enforcement procedures in ENGLAND/WALES. 3. It is possible in most cases to initiate proceedings in ENGLAND/WALES where the defendant RESIDES. blah blah blah However, if after considering these factors you decide that you do wish to proceed in this jurisdition, please return the forms and I will process them for service. What are we little islanders meant to do???? :mad: PLEASE HELP the clocks ticking thanx Jen

URGENT HELP REQUIRED I am having serious problems and I cant work out what to do?? IF you can help me please do:o Heres where I am now............. I applied online through CourtsNI for small claims sitting - The online system would not accept the BOOTLE MERSEYSIDE Address so I used MY local branch address. They responded by saying they needed more details - I phoned and emailed them back explained what I had done and provided the other info they needed - they said this was fine - I recieved a letter this morn in the post stating----------- " I am unable to process your documentation until the undernoted matters are attended to. Your small claims application requires service in England/Wales. I have endorsed the application with the required certification, which you are required to sign and date before returning. Before you decide to proceed with the application it is important that you are aware of the following factors: 1. It takes longer to obtain a decree as additional time is required for service outside the Jurisdiction. 2. If you are unsuccessful in obtaining a decree and you wish to enforce it, you can only enforce it through the enforcement procedures in ENGLAND/WALES. 3. It is possible in most cases to initiate proceedings in ENGLAND/WALES where the defendant RESIDES. blah blah blah However, if after considering these factors you decide that you do wish to proceed in this jurisdition, please return the forms and I will process them for service. What are we little islanders meant to do???? :mad: PLEASE HELP the clocks ticking thanx Jen

:cool: Thanx a lot that helps

cheers caza I will try that

Jen V A&L A&L = 1054.54 offered £175 - I declined (awaiting court date) (A&L credit card) MBNA = Approx. £500 + % A&L joint a/c almost forgotten as I closed it!! = Need S.A.R - (Subject Access Request)'s Hi I have been up until now using the money saving expert but kept being referred to this site Which May I say is EXCELLENT, I have found lots of helpful advice & info. :? :? But I am having some problems. Does anyone no how to actually use the template letter's??? downloading seemed much easier on the other site. probably just me though. I am getting a little nervous as Court is nearing and I am trying to get all of my stuff in order, thanks to a few ppl on this site I have now managed to retrieve a court bundle for this claim, but I am proceeding to the 1st and 2nd stage of my other claims and wanted to use these templates as they seem to be recently updated and of better wording. Many thanks Jen

MBNA........... £450+++ alliance & Leicester £1054.54...... received an offer last wk for £175:rolleyes: DECLINED & proceeded with court action Now awaiting date:p Hi all after waiting slightly longer then the 40 day period for my statements. & contacting via Email (threatening them) I finally received what MBNA claim to be statements.. the state of them was appaulling!------- they are just scraps of paper with pieces of info photocopied onto them. I think They were aware of what they done & I feel it is another stalling tactic on their behalf. they returned my £10 cheque stating the charge was FREE on this occassion!!!!!! :shock: BUT After trawling threw them for almost 7hrs working out wot they owe me I realised that they had sent me some of my own details and SOME of SOMEONE elses. :-? OBVIOUSLY this person has received my other details!!! It only took me about 4hrs working threw my A&L statements SO I am totally livid that I have wasted so much time for nothing. Where do MBNA stand now they have breached the data protection act BIGSTYLE ?? should I go straight to the ombudsman with this info. Thanx & Good Luck Jen

Me V A&L £1054.54 Help please....... I am at the court stage. I applied online via Northern ireland courts and am awaiting response But I also am having problems downloading COURT BUNDLE. all HELP much appreciated Jen

Firstly I would like to say HELLO I have just joined the site & already found some very useful advice so THANK U... Me V A&L Reclaiming Charges £720 & %% Claim began 4th March 07 I recieved the usual letters stating these claims could only be made on credit card accounts, they were not at fault etc. so I continued with my claim & I recieved an offer of £175 on 18th May 07. I do not plan on accepting this miserable offer & am going to proceed with court :idea: :idea: :idea: HOWEVER I live in Northern Ireland and from what I have been reading on these forums things work slightly differently over here (wots new!?!) If any1 from this part of the country has been through the courts procedure please get in touch? any advice would be greatly appreciated as time is ticking I need to press on... Cheers Jen