Thanks William, Thanks Joe. You are proper Gents!

Hiya, Literally the morning of going to file my Court Claim I received a letter from the A&L offering the usual paltrey difference between £12 and the amount they originally robbed off me etc etc. Basically the standard response most people have been getting! I'm sure Ive seen some response letters posted somewhere on the site but I can't locate them?? Can someone possibly direct me please?? Obviously my intention is to tell them to place their offer in an orrifice where there is no light, only total darkness! Thanks

Awesome! Thanks very much. I'm sure i will be firing off a few more questions over the coming days, weeks and months possibly?? If I file my N1 this week, what sort of timescale do you think I should expect before a conclusion??

Thanks Mimi. I have just spent the last 40 mins reading your thread! WOW you really are into it all ..I'm very impressed if somewhat daunted by what may lie ahead of me, but hopefully, with your good self and others to help I'm sure I will be ok!!! Ok, tomorrow I will be taking them to Court...no messing. I think I will complete the N1 form rather than MCOL so that I can personally deliver it to my Local County Court. Would you suggest anything different??

:?: Hi All, Sorry to act dumb but I really don't want to mess this up! I have now waited patiently since the A&L sent me a letter on May 18th saying they "Will look into it etc etc" Obviously heard nothing. I sent my LBA on Tuesday 15th May asking for a response within 7 days. They obviously did respond within that time but clearly not positively. Do I know just Go for Broke now and fill out the MCOL or N1, or do I send another letter to A&L saying that I am not happy with their response so far and that I will give them a final seven days or something. I am just thinking that this will maybe reinforce my case against them by having given them ample opportunity to deal with it??? Thanks for the feedback so far, really would apreciate some more!!!!

I posted this a couple of days ago and had a very propmpt reply. The suggestion was to post my issue here actually on the A & L Forum for you all to see. hopefully some further advice and input can be added. I would be most grateful. After having read the FAQ's, I am still unsure about the matter of adding Interest. I originally chose NOT to go for Charges Plus Interest and as you can see, the amount still came to just under £5,000! When I go for MCOL do I have to claim for the Interest at £0.00000022 per day or whatever it is? That will push my claim over the Small Claims limit and cause me a potential problem won't it??.................... Hi People, I have just found you today after following the first few steps from Martin Lewis's MSE site. In short I am pursuing A & L for a significant sum. Nearly £5K to be precise!! I have just informed them that I intend to go to Court to retrieve my money and have received the response that they are looking in to it....Surprise! Couple of Qu's if I may please?? How long do I wait for A&L to "look into" my claim before I go to Money Claim in the Court? Because my claim is for literally just under £5,000 without interest, does this mean that It will be likely that the Small Claims Court will not handle it and perhaps forward it on?? I really would apreciate some guidance please

Many thanks for your prompt assistance! I have indeed sent the "Intention" letter, so I will continue to go after them! Of course, that is after I have had a good read of the wealth of info on this site. I have spent a good couple of hours looking through already. What a fantastic, helpful and encouraging place! Onward and upwards!!!

Hi People, I have just found you today after following the first few steps from Martin Lewis's MSE site. In short I am pursuing A & L for a significant sum. Nearly £5K to be precise!! I have just informed them that I intend to go to Court to retrieve my money and have received the response that they are looking in to it....Surprise! Couple of Qu's if I may please?? How long do I wait for A&L to "look into" my claim before I go to Money Claim in the Court? Because my claim is for literally just under £5,000 without interest, does this mean that It will be likely that the Small Claims Court will not handle it and perhaps forward it on?? I really would apreciate some guidance please