do you have a link for that credit card cca letter you refer to. sorry for the delay been of line for a while regards mick

thats weird i got exact same letter with same deadline to accept, must be a standard blog letter, lol

!!! I WON !!! I WON. Just a word of encouragement for those still fighting the A&L, after submitting my claim with the local court house only 2 weeks ago i then went on my holidays to the scottish highlands, came back late this evening to find a letter from A&L waiting dated 02/07/07, accepting liability and offering the full amount including costs, no if's or but's, so i have signed it and will be sending in the acceptance slip first thing in morning, whooo after all that hard work, stress and confussion of what to do now stuff, they never even put up a fight i was looking forward to going to court, anyways just a little note to all those still trying to recover funds !!!!DON'T GIVE UP!!! There are good people on here to help and advise you of your next step if you get lost. i'm just about to start the wifes claim now and my mothers lol. goodluck to all and thanks to everyone that helped me with good solid advice..

Having been charge £34.00 by my bank for a failed direct debit to my car insurance firm, i have also been charged £25.00 by my car insurance group as well, any advice on this? i know the charge my bank has made is illegal and have already taken steps to resolve this but what about the car insurance charge, can they do this? surely it falls under the same catagory as the bank charge (dispropotunate to actual costs incured) seems all are jumping on this "get rich of the skink little people" any advice gratefully recieved cheers spiderman p.s i'm away for 2 weeks this sunday so i will read reply when i get home on the 9th july Happy Holidays for me

Having spent another day on the phone again to these idiots at A&L. it appears that the charge of the dredded £34.00 was place because i topped up my account after bank hours on a friday, and even though they work saturdays they don't bother to sort out the deposits entered in the machine till monday (how convienient) thus my dd was due out on the same monday so the deposit i put in would not have registered into my account untill what ever time they sorted it on the monday, and even thought the head office claimed that they had paid the dd for me they lied, just to get me off the phone, i'm sick of the A& hell, have told them in very strong words to "beep beep off" once back of my holidays (this sunday i go for 2 weeks) i'm closing the account then im gonna spend a full day with leaflets ready drawn up and hand them out to all that enters the branch warning potential customers away from banking with them.

just for those that have access to or own a debit card/visa or anything like that did you know that you can do the court bit online for free, its with thanks to clair and many others on here that have got me as far as i have got go here https://www.moneyclaim.gov.uk/ signup there is a bit of paperwork to go through but the best bit is you can save it to the site when your stuck and return back to it anytime you want then the final stage is a payment of £30 by credit card which goes direct to your local courthouse, the fee will be calculated into your claim as will the £100 court fee if you claim goes that far so even though you maywell have to splash out £130 you will get it all back with interest, i submitted mine yesterday got me mother to pay for it. hope this helps ya out abit

This in it's own way is funny. my insurance group was due to take money on the 18th june, i checked my account on the 15th and realised i needed a little topup to ensure funds would be available, but then to my amazement i get a letter from my bank on the 19th with a failed direct debit charge of £34.00, so i phone the bank only to be told that the charge of £34.00 included the direct debit payment of £25.88 they made on the 16th june to my insurance group, so i said thankyou verymuch and hungup. now this morning i gets a letter from my insurance group with a fine of £25.00 for the failed direct debit, so i rung them as well, explaining to them what the bank told me they immediatly stated that they never went for a payment on the 16th as my due date was the 18th and that my bank had returned the direct debit payment as no funds available,:? at this point i'm very confused, do you think that this cockup could just be the bank trying to pee pee me off coz i have just started the court proceedings? anyways it gets better so read on, i again phoned the bank and started to findout what was going off as everytime i spoke to them i was gettin conflicting storys, i spoke to a very nice young lady called Liz (Doncaster branch) and after going over the whole thing for the 4th time she said "i will speak with head office and call you right back" yep you got it she never did call me back and when i rung the branch she's gone out no supprise there then. anyone else had more problems with their account since starting the claims process OH AND WHEN IS THE CAG CHAT ROOM OPENING BACK UP ANYONE KNOW? Right i'm done ranting im of on my holiday for 2 weeks this Sunday so keep it real people catch yall in July if any one want to help me on this one ya can contact me on yahoo just add the following address [email protected]

can i just say things are getting sorted regarding my last couple of posts thanks to all on this thread with special thanks and bestest regards to claire, coz without her help i would be well and truely err F*******, thanks clair:)

Im just so confused now the cag chat has been closed, i want to get the case ended, i have the N1 form but don't know what to do with it except read it over and over again, i know there is a draft letter to go with it but not sure what goes where on it, if there is anyone out there that can stear me in the right direction i would be very grateful, i'm not that clever anymore at taking things in since my accident at work some years ago. anyone that can help on a one to one basis can add me to yahoo mail im usually at my comp most days early to late evening my id is [email protected] thanks

I'm still stuck i can't get my head around the court bit, all this interest calculating and making sure everything is done the right way is doing my head in, i'm on the verge of packing it all in for the sake off a couple hundred quid

im lost now have sent my lba form got reply from a&l refusing to payup...what do i have to do now, what forms ect to start the court bit, do i need to contact a solicitor now?, took me ages to find this thread so could i get advice straight to my e-mail address if possible its [email protected] thanks a bunch spiderman:confused:

Help what now?. Sent my LBA letter got usual reply, bank not accepting liability. Whats the next step?, I think it's step 4 letter but not sure how or what to put on it, can i get some advice please. Was hoping CAG Chat was running but it appears to be suspended at the moment. alliance & leicester

Help what now?. Sent my LBA letter got usual reply, bank not accepting liability. Whats the next step?, I think it's step 4 letter but not sure how or what to put on it, can i get some advice please. Was hoping CAG Chat was running but it appears to be suspended at the moment.

Hi all advise please, i never thought i would need my old bank statements untill i watched the bank robbery program 12/12/06. now i'm gutted. i have paid roughly 500 to 600 in bank charges with the alliance and leicester over a six year period, does this mean that without the statements i can not claim a penny? wow this is cool at last ppl are getting together and fighting against the bank edited (alliance & leicester)

Hi all advise please, i never thought i would need my old bank statements untill i watched the bank robbery program 12/12/06. now i'm gutted. i have paid roughly 500 to 600 in bank charges with the alliance and leicester over a six year period, does this mean that without the statements i can not claim a penny? wow this is cool at last ppl are getting together and fighting against the bank edited (alliance & leicester) Once again please do not use this word !