Wicked, congrats Lil! Just goes to show what we can do when we get together and support each other. Was great having you to share this process with, glad it worked out so well for you. Nikkirose x

Lil, I got my money yesterday!! Settled in full, so yours should be on its way.

IT WORKED!! Hooray, I got home last night and there was a cheque on the mat for full settlement, of course not admitting liability but who cares. And for other people's reference, they didn't try to touch my joint account. Result, I am now off to donate to the site and fill in the survey. Good luck to all in progress, especially Lil. I'm so glad I did this, thanks to everyone who gave advice and encouragement. For anyone who's reading through the forum thinking about submitting a claim, go for it, you will win.

Hi. Got back from my hols this weekend to find the acknowledgement of service on my doormat, stating they intend to defend the claim in full. However, having checked a few of the threads announcing recent successes, it seems this is standard and hopefully the cheque will be next. 28 days from the 7th August are counting down....

Received my Notice of Issue from the court last night. My claim will be deemed as served on 7th August, and A&L have until 21st August to reply. Judging by ohter recent threads their reply will hopefully be a cheque, but you never know!

Hooray! Congrats Kev. I have submitted my Moneyclaim and am currently waiting in limbo for a reply, so good to hear your success story. Well done!

Hi Lil, I know you were following my thread to see what happens: I have received notice from the court that my claim has been served, and something will happen within the next two weeks, depending on their reply. Will update further on my thread when/if I hear back from them. Moneyclaim website is easy and quick to use, so go for it as soon as your 14 days are up. Good Luck! Nikkirose

Hi Lil, Thanks for your interest in my case, it's nice to know there are two of us doing it at the same time. I submitted my Moneyclaim online today - delayed it a few days from my 14 day deadline as I didn't want to risk the response coming in while I'm away on holiday next week. Have opened a parachute account and am already in the process of closing my A&L one (beat them to it, ha ha!), so now will just have to sit back with my fingers crossed and see what happens. Good luck with your claim!!!! I will keep this thread updated so you can see what happens with mine. Caro: thanks for the reassurance, a little encouragement makes all the difference when you're about to take the plunge and hesitating on the edge.

Have just received a second standard letter from A&L, this time saying they are sorry to learn of my disappointment with the service I've received, are looking into the situation and will be writing to me with a more detailed response. This one was actually signed, and dated 18th July, but the 14 days I originally gave them in my LBA is up tomorrow. So the thing to do is submit my Moneyclaim anyway, not to give them extra time to respond, is that right? The standard complaints procedure leaflet they enclosed says they'll respond within 28 days, but I know the forum advises this is just stalling tactics from them. Just wanted to double check it won't harm my case if I don't give them longer to respond before filing my claim. Thanks!

Hi younganfree, Thank you. Yes I have, had a look around other threads before I started and got the impression it might be a good idea to go elsewhere just in case. One thing I'm not sure of though, I also have a joint account at A&L with my flatmate, which we use for bills etc. It's not in any way involved in my claim, but might they close that one as well? Not sure if they would have the right to do this as it's not only in my name. Will be interesting to see how they handle this, do you know of anyone else who's experienced this situation?

I know, me too, I wouldn't dare do this without the support of the site & forums. Just sent my LBA this week and have opened an account elsewhere. Now waiting for the storm to break! Go for it and good luck.

Update time - I have just received my first 'eff off' letter from A&L, referencing the OFT and trying to scare me off by saying the ruling doesn't apply to bank accounts. Having looked around the other threads it seems this is the new standard response they are giving out, so my letter before action will be in the post to them this afternoon. I'm only claiming £83 but I'm determined not to let them bully me!

Hi Lil, I just received the exact same letter this morning, unsigned, with M Parker's name on the bottom. So it is definitely a stock response and just trying to put us off the scent. The wording made me hesitate too but if you read the notes at the bottom of the Letter Before Action template it explains that in fact the OFT has stated its ruling applies to all consumer contracts, which includes us and our bank accounts. So we are well within our rights to keep going, mustn't let them scare us off!

Thanks guys. V reassuring to have some encouragement! I have printed off all the old statements I can, and have rung to request an older one I need, which they are apparently sending my free of charge, so we'll see whether that ever turns up. I'm rather looking forward to the fight now I'm a bit surer of my ground, bring it on A&L!

Thanks cheddar, I was hoping I hadn't signed away my right to challenge them. I won't try and claim twice for the one which was refunded, but it's good that I can go after them for the rest. PS sorry moderator, I was trying to find the most appropriate thread for my question rather than starting my own, as there is a lot on the site about not duplicating questions.