It has arrived folks!!!!! Following a call to A&L (nd the county court requesting application form to issue warrant of execution)on Thurdsday - cheque arrived today!!!!! Been a long hard slog but I got there - never doubted it. Will be off to deposit cheque with my new bank on Monday and make donation to the site as soon as it has cleared. Thanks to all for the advice and support - and all still going through the process DON'T give up!!!

Still no cheque from A&L but I have received a letter informing me they have placed entries on Credit Reference Agency files!!! Will give it to the end of this week - almost a month since judgement made then, then head off back down the County Court!!!

Many thanks. Claim was NOT done through MCOL, but directly through local County Court. I have telephoned A&L Customer Services and they denied all knowledge so I shall be writing today to advise A&L I intend to issue a warrant. Will keep you all posted!

No as I had no response to my claim through the court just sent back to the court the request for judgement. Court sent me a judgement in my favour last week, but so far nothing received from A & L. Judgement says they are to pay forthwith - so I am wondering how long would be reasonbale before taking next step if necessary - could use advice and would appreciate if someone could advise which of the options open to recover is the best to take?

Judgement says they are to pay "forwith" so maybe I will receive it today???? I quite like the idea of sending in the baliffs though - may be I will be the first to have a shot at that?

Received Judgement from County Court in my favour yesterday!!!! Come on A & L please send my cheque as soon as possible - I am itching to donate!!!!!

Thank you! Sent Request for Judgement on Saturday - so hopefully have some news to report by the end of the week!!! Keep going.

tracy284 - check my thread - A & L closed my account without warning in early stages - (I am not convinced it was entirely due to my requesting refund, my overdraft limit had been breached by a few pounds). Get a parachute accoutn as soon as possible - better safe than sorry.

Absolutely - and as a point of note, today is the deadline for A&L to issue a defence in respect of my claim. So far I have received all the "bog standard" replies that everyone else appears to have received, but I HAVE NOT received any notification that they intend to defend the claim. A change of tactic for them to save monney on computer generated letters, admin and postage perhaps to enable the poor old bank to settle these claims? Today is one of those rare occassions I am hoping the postman doesn't call - it seems all I have to do in that instance is return the Notice of Issue to the court requesting inmmediate payment in full!!!!! Keep going - we are all behind you

Deadline day for A & L to issue a defence. Nothing heard since I made application to the County Court so - if nothing in today's post, I assume they are not intending to defend and I have won? I complete the "Notice of Issue" that the court sent along with my copy of claim requesting immediate payment in full (with interest) if nothing arrives in today's post. Anything else I need to do - or just sit back and await my cheque? Any info much appreciated.

I agree - not had, but am awaiting my letter stating they are going to defend, (they have until 22nd Sept) but am looking forward to it. From threads on the forum it appears a cheque arrives in the post shortly afterwards!!!!

Personal choice I reckon, but I opened parachute account (with Co-Operative bank), before embarking on my crusade with A&L. Just as well I did given the way they closed the account. Perhaps others might be able to offer advice, but my personal take is it does no harm to have an account open - you are not compelled to use it but if A&L do close your account and you are due an iminnent receipt (salary in my case) - it's best to have an account for it to go to ready and waiting.

Agreed - finding £120 when working on an already tight budget was difficult but I figured well worth it - I WILL be getting it back soon anyway!!! You don't need luck, you will get back what is rightfully yours and all of us in the same position right now are probably holding our breath waiting to see if we will be the first in court. That said there are plenty here who plucked up the courage and got their money back, that gives us encouragement. Keep us posted!

Yes the fee is £120 for anything over £1500. Will cost the same whether you use moneyclaim online or go to the court. The fee will be paid back by A&L when they settle your claim. If you claim online there is no need to take forms to court. I did it that way as there was not enough space on the online form and I couldn't see anyway of attaching the 2 x A4 sheets of the charges!! It's an either - moneyclaim online, or - take three copies and your fee to your local county court. Just received my notice of issue from the court so will sit back and await my cheque!!!!

Go ahead with your claim. The letter is a standard one designed to put people off taking any further action and attempting to justufy the banks day light robbery. Complete your moneyclaim form on line or N1 form and print off - (take three copies to the court with you). Links to the moneyclaim site and/or N1 forms are in the template library and I used the wording given in the templates to complete my forms. Just heard on radio OFT are investifating the charges made by banks now so these letters "OFT ruling refers to credit cards blah blah blah" will become obsolete in the very near future. Wonder if A&L will settle my claim before the OFT comes to a decision and forces the banks to do something about these overinflated charges? Go for it

I will do just has soon as I have a case number.

Okay the big day!!!! (I know I dragged my heels a llittle, but with moving home and sorting new school - excuses done now time for action)! Got myself off to County Court this morning, handed in N1 forms and schedule of charges with interest and the relevant fee. Now await the next correspondence from A & L which it seems will be a letter stating that they will defend the action. Ah well - after that my cheque????? Will keep you all updated.

No luck I am afraid - and as my schedule of charges I am claiming spreads over two pages have decided to file paper claim at the local county court. Won't be able to get there until Tuesday but will go ahead that way. Best of luck - keep us updated.

Many thanks - let me know how you get on

Hi folks - sorry for delay in continuing my tale (been busy relocating over 500 miles)!!! Jase, I attempted to file moneyclaim online yesterday but am not sure the process worked. On pressing submit - nothing else appeared to happen. There was no rquest for payment of fee for example and no opportunity to add/attach my spreadsheet of charges with interest. Any advice would be much appreciated. Regards

Hi

A&L have been expeditcious with their response to my LBA - bog standard letter *******/UNFAIR2 received today - a whole 6 days ahead of the deadline!!! I AM impressed! Can I proceed with legal action and submit my moneyclaim now or do I have to wait until next Tuesday - the deadline for reply? As stated - I have received a reply, insigned but from a C COUGHLIN at Customer Services: the usual " noted your comments........ charges ar reasonable and are competitive........ OFT ruling refers to credit card payments........ I cannot accept that you have been unfairly charged....... I am unable to agree a refund of charges on this occasion" etc etc. I know it is a standard reply, but can anyone advise if I go ahead now, or stick to 14 days before submitting moneyclaim? Given posts on here I could have my cheque from A& L within a week if I go ahead now - very handy for a single parent about to become unemployed and relocating 0ver 500 miles away this weekend!!! Any advice much appreciated.

Dont talk petrol!!! I live in the Outer Hebrides and currently pay £109.9 per litre - non existant public transport sytem. . . . oh get me off this soap box before I start

From other threads I have been reading here looks like cheque will be with you next week - A& L seem to be paying up within a week or so of money claim. Good luck

It is so satisfying when ever anyone gets refunded. Spurs us all on. Well done, enjoy your cash!!!! Roll on next week when time is up and I can send in my money claim!!!