Here goes....

[kandy]

Hi all thought i'd try and reclaim my funds from alliance and leicester. I've been reading through some of the threads and it does seem a little confusing and scary, but im giving it a go. I will be sending my preliminary approach letter on Monday.

 

Kandy

[Rooster-UK]

In the mean time, spend some time reading the FAQs and the step by step guide. That will answer most of your initial questions.

If you need any help, just post on this thread.

 

Rooster.

[kandy]

thank you, will keep reading.

[squeegy]

going to order pack,and get some of MY cash back from Barclays.

[kandy]

I recieved my reply from A&L yesterday i think due to the postal strike because it was dated 10th Oct, it sounds like the standard letter that others have recieved. Im not sure whether i still continue with the action and send LBA even though most cases are being stayed? can someone let me know whether i still carry on with the process or am i suposed to wait?

[**Tilly**]

hi kandy

yes carry on with your claim send your lba giving them a further 14 days stick to the timescales when your 14 days

are up you can file your n1 then your claim will be in the system

[kandy]

Thanks alot, will do that now.

[kandy]

I sent my LBA on the 29th oct but i forgot to send it by recorded delivery, i havent recieved a reply from alliance and leicester at all. Do i go ahead and complete the N1 form or do i need to send LBA again by recorded delivery so that i have proof that i sent it???

[Michael Browne]

No, RD is not a necessity, it's only recommended for peace of mind. I've always just used 1st class post and had no problem. File away!!

[kandy]

thank you, sorry for late reply having computer trouble. Will try and get N1 form sorted by end of the week, i kow i'm out of my time scale but i dont think it will make much difference.

[sea-sidelady]

They are your timescales, so there is no rush, do it as and when you are ready.

[kandy]

Been sooooooo broke with all these extra charges being added to my account so haven't applied to courts yet because of needind to pay the extra fee for court. Can some one let me know if i have to apply to the courts with an N1 form or MCOL form on line, im a little confused.

[Michael Browne]

If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim.

 

Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised.

 

Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway.

 

OFT TEST CASE:

Following the announcement by the OFT, as from August 13th, all bank charge claims filed at MCOL are being automatically stayed. Therefore it is advisable only to file a claim using N1 at your local court

 

You can download N1 here:

N1 Claims form in .PDF format with form filling

 

New POC's:

There are now new comprehensive Particulars of Claim written by a QC specifically for the following banks:

 

Abbey

A&L

Barclays

Co-op

Halifax

HSBC

Lloyds

NatWest

Royal Bank of Scotland

Yorkshire

 

 

See here:

http://www.consumeractiongroup.c o....lates-library/

 

 

If you are on benefits, you may be eligible for exemption from court fees.

You can only apply for this at your local court using form Ex160.

[kandy]

I began trying to reclaim my charges last year, i got up to the stage where i file to court but been quite broke so have been unable to do my MCOL yet. Does any1 know if i have to start again or can i pick up where i left off. It wont be until next mth however cause im still broke. Oh and does any1 know if i can recalim the £5 per day charges because at 1 point i was charged £160 over 30 odd days i think cant remember.

 

Please some 1 shed some light, alliance & leicester owe me over £1000

[dundeelaw]

Yes..You can claim all charges that relate to "Unauthorised" Overdraft Charges.

[kandy]

Thanks alot will start this claim back up as soon as i get paid