its ok dudes the account been closed for 4 months and if someone wants to repay my debt then go for it lol...... although i fear you wont want there charges hehe!!! thanks all the same people

Does this look ok? Claimant has account xxxxxxxx with Defendant from January 2000 conducted on their standard terms and conditions. Claimant is claiming the return of £2763.25 taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from 8th December 2000 to 1st October 2006 of £437.00 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.71p

Well spoke to Paul at mbna again he looked at my account and said that the only compound interest they could work out was £169.19p and told me they will credit my account with that as that the interest charged on my charges i have asked them for my copy statements as originally requested. He said there is now a back log and i should get them in about 10 days.... He did hjowever point out that i can only claim the interest on charges is this correct? they gave me goodwill payment 310.00 then i refused a further payment of 300.00 and i asked for interest and a further payment of 170.00 =£780.00 you think they are still not showing me the true picture as not seen my statements yet as they never returned my SAR as originally requested

Your Fantastic lil xxxx

Many thanks ive done the spread sheet thing showing my interest at 437.37 dont really understand this bit?

silly me what does MOCL stand for?

Right here goes im stuck Please "Help Anyone", I am claiming that A&L have wrongfully charged me £2763.25 in unfair bank charges The interest on that is £473.37 makes total claim £3236.62. So how do i word the particulars of the claim? Can anyone give me the correct wording?

Thank you Sophie-Jane Today i received the once again standard letter saying they think there charges are justified infact exactly the same letter word for word as the one before i sent the LBA so its time to go to court i think What are the costs that i have to pay to make the claim?

Update: Received SAR Calculated charges at £2931.75 sent first letter 6th sept got response saying they think there charges are fair n will stand. So sent my LBA yesterday ill keep you all posted..(Bought my Small Claims Pack & Lables but lables have not been received as yet.)

Thanks for the advise though they owe me near on £3000

all my family are from somerset, can you just maybe pass on my addy to them?

Have had the standared reply from A&L saying they think that there charges are lawfull and justified, now time to send LBA i think but just so i get it right they did reply to my refund letter (letter2) so the LBA letter says you didnt reply is this the correct letter ? :eek:

Ok they have now credited my account with 610.00 there print out shows 625.00 of charges. Should this be a case won or should i get my SAR and do a final check? i asked him about the interest he said your not disputing interest??? please advise GBZSTRO

Paul just phoned me back saying i dont need to send out the SAR again as hell do it on my behalf once he gets them he will forward them to me and as a further goodwill they wont charge me

sorry so does it look like all im going to get is what they have said they have charged me?

Ok Paul Phoned back offering me another 300 as he says that will now be 610 applied to my account

and what is compound interest on 625?

Just tried that number spoke to paul who apologised for the mix up with mr bailey i explained that i thought the charges were not reflecting what they actually owed me and said that id except them but i still wanted the full amount that i sould see on my subject access request... he told me that the print out they sent me was for all the charges i have been charged so there wasnt really a need to get the SAR but i told him i have had nasty phone calls from agents on there behalf which have been that rude ive put the phone down on them and that it has caused me untold stress ..........he promised to call me back within the hour lets see what he comes up with they offered me 310 there print out says 625 what do you think i should accept?

i rang them this morning and guess what..........steve bailey isnt to be found anywhere lol so they couldnt find the head of customer service i told the customer service adviser that the £310.00 was far less then the amount shown on there list of charges and that i doubted if that was the full history of charges for 6 years that i originally asked for and said i will accept this but i intend to ask for my subject access request to see the full history and i will be claiming the full amount... he said he would get Mr Bailey to ring me himself .......Lets see what he says????

C O N G R A T U L A T I O N S R O S E M A R Y W E L L D O N E!

ok cheers m8 ill let you know how i get on on monday

ok so should my conversation be like this, im telling you i am happy to accept your offer of £310 but im informing you that i intend to claim the full amount of what you owe me but i would like my 6 year report as originally asked for(as there print out only shows about 500 ) i dont know what the correct figure is?

thanks will do, but shouls i wait for them to send me the 6 year report which is what i asked them for but they returned my cheque and told me they sent this small print out free of charge? or phone anyway?

Gbzstro, Thanks For That, I Will £310 Is Far Less Then What They Have Charged Me On There Little Print Out Theu Sent Me As They Didnt Send Me The 6 Year Report Like I Requested.... I Think I Will Re Submit My 6 Year Report Request And Tell Them I Accept The £310 But Will Be Going For The Full Calculated Amount...once I Get The Report

shame i actually looked in to it they just deleted all records