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booberela

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About booberela

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  1. Hi - just an update. After the MCOL thing on line I have now had the paperwork back from the court stating that my claim is stayed pending judgement in the OFT test case. Since doing this I have been away on holiday and have not used my A&L account. I am so cross with the A&L as my expenses didn't go into my bank account (should have done 3 weeks ago now) and because of this they have now bounced 9 payments and have charged me yet another £25 a time!!! £225!!! What do I do now as I have already submitted my claim. Can I add on these charges or will I need to do a totally new clai
  2. I know - that's what concerns me too!
  3. Hi - Any news on this? "How can it be stayed when A & L are not part of the test case?" Thanks
  4. Hello - I've bitten the bullet and have done it - proceeded to court with the MCOL. Its now the start of the long wait ............ How is everyone else getting on with this? Do you think that there will be an outcome in January on the FSA's court case? Where can I get an update on this? Thanks
  5. Thanks - it all seems to makes sense. Will get the claim issued on-line once I have been paid. Going to try and get it all sorted before I go on holiday next week. Can anyone advise on my below question? "I know that this might sound like a silly question but what with all the financial stuff that is going on at the moment with the banks and the markets will this affect our claims at all? Is the court likely to look more favourably on the banks than to help us get our money back? Please if there is anyone out there to help me with this I will be so grateful" Thanks
  6. Great - thanks for getting back to me. So that I don't rush this next step I'm going to have a good read through and fill all the paperwork in over the weekend. Once I submit my claim to the court - whats the next step then? Will I get a letter back soonish or will be then put in the long queue? I know that this might sound like a silly question but what with all the financial stuff that is going on at the moment with the banks and the markets will this affect our claims at all? Is the court likely to look more favourably on the banks than to help us get our money back? Please if there is
  7. Hiya, I need some help now please as since sending my 2nd letter my work has seemed to have taken over my life and I have not gone the next step - ie registering at court. What is the best thing for me to do now????? Should I just continue or will it be necessary to then re-do all the letters again. My 2nd letter was sent mid August ...... If someone could get back to me that will be great as I am worrying now what should be the best thing to do? :? Thanks
  8. Hi Scott, Thanks alot for your help and re-assurance. Letter before action is going today!! Will keep you posted.
  9. Hi Scott, So I just need to get the 2nd letter on its way ... does anything need to be added in this letter or should it be fine just the way it is? The A&L have not even acknowledged my first letter!! Thanks
  10. Hi - Just thought. The second letter I am sending them is the letter before action. I am assuming that this is still OK to send and that nothing needs to be added or taken out of it? Thanks
  11. Hi - Just an update. Two weeks has now passed and I have heard NOTHING from the A&L - not even an acknowledgement!!!!! I am sending my second letter today.
  12. Hi Maz, To be honest I have had a couple of these £5.00 charges too and I have just put it in my schedule of charges - not sure whether I should have or not but hey - its still a charge!! When the bank get the schedule of charges if they dis-agree I'm sure this will be taken account of in their settlement. I wouldn't worry - just include it .... unless anyone else has any other thoughts. Good luck and get that letter in the post!! registered!
  13. Hi Shyck, Yes you are doing the right thing - I should think that we all just need to sit tight. I did successfully get charges back from the HSBC a year or so back - I know it is a scarey thing but well worth it. I just hope that not much has changed since the time I took the last back to court. The HSBC did actually settle before it went to court. Let me know how you get on.
  14. The letter and schedule of charges are going registered post today. Fingers crossed Thanks
  15. Hi again - works been very manic so I have not yet managed to send the 1st letter but will be doing so by the end of this week as I am being charged more and more:shock: Before I do, I just need to clarify what I can claim back. Can I claim the following: - Paid item charge - Unauthorised overdraft charge - Failed cheque charge - Payment review fee - Exceeding overdraft limit - Overdraft useage fee On the spreadsheet of charges that I am putting together am I right in thinking that you can put interest at 8% APR on there as well or is this what I must miss off until it gets
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