I was just interested about the case you mentioned about Allied Irish Bank. They have just sent me their Defence to my claim and I was wondering other claimants experience with dealing with them.

Need some help. Karlakes Solicitors (acting for AIB) requested that I acknowledge receipt of their Defence. Should I respond and if yes what should I say in it. Update: Received the Allocation Questionnaire for Oxford County Council should send a copy to the solicitors as well or just to the court?

It will be interesting to hear how you get on with Allied Irish Bank. They've just put in their Defence for my claim. Will keep you posted on how my claim pans out. Watch my thread

Martin3030 - Thanks for the advice. Yes I will need some help with the AQ when it arrives. I phoned MCOL this AM and was told that my claim has been transferred to the Oxford County Court & that the AQ should arrive by tomorrow 30/11/06. I keep you posted.

Just checking whether there any claimants from the Oxfordshire area willing to share ideas.

Received Acknowledgement of Service from AIB on 15 Nov 06 through their solicitors Karlakes Solicitors. This morning - 24/11/06 I received their defence (see details below) and have requested I acknowledge safe receipt. Looking for some ideas as to how I should respond. ====Defence from AIB received from Karlakes Solicitors=====is as follows: 1. The Defence admits that at all material times the Claimant maintained a current account number xxxxxxxxx at the the defendant's branch at XYZ Buildings, 12 Sweet Rd, Sometown (the Account). 2. All fees and charges levied by the defendnt against the Account were on foot of the terms and conditions which govern the agreement between the Defendant and the Claimant. 3. In the premises the Defendant denies that the amount claimed or any amount is due and owning by the defendant to the Claimant. Signed David Yeates

Received Acknowledgement of Service from AIB on 15 Nov 06 through their solicitors Karlakes Solicitors. This morning - 24/11/06 I received their defence (see details below) and have requested I acknowledge safe receipt. Looking for some ideas as to how I should respond. ====Defence from AIB received from Karlakes Solicitors=====is as follows: 1. The Defence admits that at all material times the Claimant maintained a current account number xxxxxxxxx at the the defendant's branch at XYZ Buildings, 12 Sweet Rd, Sometown (the Account). 2. All fees and charges levied by the defendnt against the Account were on foot of the terms and conditions which govern the agreement between the Defendant and the Claimant. 3. In the premises the Defendant denies that the amount claimed or any amount is due and owning by the defendant to the Claimant. Signed David Yeates

Bobtheb - Thanks for the info.

I live in England but have an account with AIB (Allied Irish Bank), Liverpool branch. Their registered office is in Belfast - Northern Ireland. My question is do I've to use the Belfast, Liverpool or the London (Customer Care centre) when putting in my claim with MCOL?

My correspondence with AIB (Allied Irish Bank) are as follows:n 1. 10 Oct 06 - sent letter claiming £1,104.25 2. 14 Oct 06 - received response from bank basically refusing to pay 3. 16 Oct 06 - sent LBA. Got the following response from AIB (see full text below) All my correspondence (Request for Payment & LBA) were sent to my branch and now they're suggesting I re-direct my query to their Head office. My questions are: 1. Should I still go ahead and file my claim (court) or re-send the LBA again to the Head office as well? 2. If the response/suggestion is to go ahead with the claim do I 've to wait another 14 days or will it continue from the date I sent the intial LBA to my branch. Thanks. =====Response from AIB dated 24/10/06======= We refer to your letter of 16 Oct 06 and your request for the refund of excess charges. We would advise again that we are not currently in breach of any legislation. Under the terms of the banking code we are required to notify you of all charges and we have complied with this at all times. Our charges are freely available on the internet and they form part of the contract that was agreed with you when you opened the account with us. It is your responsibilty to maintain your account either in credit or in line with any sanctioned facility. As you have not clearly done so, we are fully entitled to charge you for the time and effort required to manage your account. We have no further comment to make regarding this claim. Should you still consider the decision to be unfair and wish to to take this matter further, your next port of call would be to either contact the Financial Ombudsman services ( details of which are included in the recent leaflet sent) or to contact our Head Office at the address detailed below. Allied Irish Bank (GB) Customer Care Bankcentre Belmont Road Uxbridge Middlesex UB8 1SA signed by the Operations Team Leader For & on behalf of AIB Group (UK) plc

Just a quick update - sent my LBA on 16 Oct 06. Got the following response (see full text below) from AIB this morning saying I they're not paying. All my correspondence (Request for Payment & LBA) were sent to my branch and now they're suggesting I re-direct my query to their Head office. My questions are: 1. Should I still go ahead and file my claim (court) or re-send the LBA again to the Head office as well? 2. If the response/suggestion is to go ahead with the claim do I 've to wait another 14 days or will it continue from the date I sent the intial LBA to my branch. Thanks. =====Response from AIB dated 24/10/06======= We refer to your letter of 16 Oct 06 and your request for the refund of excess charges. We would advise again that we are not currently in breach of any legislation. Under the terms of the banking code we are required to notify you of all charges and we have complied with this at all times. Our charges are freely available on the internet and they form part of the contract that was agreed with you when you opened the account with us. It is your responsibilty to maintain your account either in credit or in line with any sanctioned facility. As you have not clearly done so, we are fully entitled to charge you for the time and effort required to manage your account. We have no further comment to make regarding this claim. Should you still consider the decision to be unfair and wish to to take this matter further, your next port of call would be to either contact the Financial Ombudsman services ( details of which are included in the recent leaflet sent) or to contact our Head Office at the address detailed below. Allied Irish Bank (GB) Customer Care Bankcentre Belmont Road Uxbridge Middlesex UB8 1SA signed by the Operations Team Leader For & on behalf of AIB Group (UK) plc

Hi everyone - just checking whether anyone has or in the process of claiming back charges from AIB (Allied Irish Bank)? Anyway below is my experience: 1. 10 Oct 2006 - sent letter claiming £1,104.25 2. 14 Oct 2006 - received response from bank basically refusing to pay (see full text of leter from AIB) It will appear I will've to go ahead and send an LBA - will keep this thread updated. I've read the FAQ but will appreciate any advice, suggestion be it specific to AIB or general. ===Response from AIB====== We refer to your letter of 10 October 2006 and we have sought advice from our Head Office regarding your query. We have been instructed to advise that we have acted in full compliance with the rules concerning charges as governed by the Financial Services Authority (FSA). We have at all times provided you with itemised details of all charges that may be levied by the Bank and we have therefore complied with our legal obligations under current legislation. At present the Office of Fair Trading report is just that and has no legal binding on the Bank and until such time as legislation is brought into being, we are fully compliant with the current rules. We therefore advise that we will not be offering any refund of Bank charges in this instance. Should you consider our decision unfair, we enclose the following advice brochures to assist you if you wish to take the matter further. Your complaint and the Ombudsman How does our service measure up?