Andrew66 v Alliance + Leicester

[Andrew66]

Haven't been able to get on for a frustrating few days owing to a phone line problem, however sorted now. Sent DPA letter to A+L on the 28th July, will keep you updated with developments. Can't wait to hit the 'donate' button, cos that will mean I have won!

[Guest Zooman]

HI Mate

 

You have posted this in Debt Collectors and Bailiffs forum, is this where you want it or in the Alliance & Leicester forum, I will move it for you if needed.

[Andrew66]

Yes, would like it in the A+L forum! Thanks for putting me right!

[Andrew66]

Haven't heard anything yet, I guess this is normal?

[younganfree]

Yep! Long drawn out affair, just have to be patient dude. 8-)

[Andrew66]

Well, a thumping package landed on the doormat today, and it was all the statements for the last 6 years. Going to get to work on them over the weekend. At first glance it's at least £2000.

[Andrew66]

Well I sat down today and added everything up, and it came to a staggering £4,990.50! Guess I'll be spending the next few days filling in the spreadsheet!

[caro]

Make sure your figures are accurate with them being so close to the £5,000 limit for a small claim.

[Andrew66]

If it goes over £5,000 I have to go through a different claim route?

[DCG]

or split it in to 2 diffrent claims

[Andrew66]

Good point! I was just thinking if it gets to the stage where I add on interest it'll certainly go over 5 grand!

[caro]

If you are just talking about the 8% interest you can add on at the court stage, it will be alright if that takes it over £5,000, but otherwise you might be liable for the banks costs in the extremely unlikely event that the court found in the banks favour. Keep reading so you understand exactly what you are taking on.

[Andrew66]

Evening all, haven't been on for a while cos my wife is expecting our first baby any day now! Anyway I have finally done the spreadsheet and the charges total £5435. I have included all DD nd SO charges plus failed cheque charges and unauthorised overdraft charges. Would it be worth my while, as its over £5000, to take some of the later charges off and do a separate claim for them, say the last 20 charges? Help!

[younganfree]

Yep, this is the way most people seem to do it.

[caro]

You could do that to ensure keeping within the £5,000 limit for small claims and avoid any chance of incurring costs. The banks are not going to court for claims over £5,000 either though, so although there is a miniscule chance of having to pay costs if you lose, it would only be if the bank actually went to court, and A&L have publicly stated that they will not do that. You would also have to file your claim on an N1 form at the court office as MCOL only deals with small claims.

 

There is a risk involved, and only you can decide if it is small enough to disregard.

[Andrew66]

I decided to take the last few off, so the total is now £4,979. All typed up and in an envelope ready to send tomorrow! Once again I'll keep everyone posted with my progress.

[younganfree]

Fingers crossed for a quick responce, dude. Reckon the cash will come in handy for your new arrival!

[Andrew66]

Yeah, it sure will! Thanks for your support.

[Rosemary]

That is a huge amount of money - and they honestly thought they could get away with it. These banks must have had some bloomin good parties. Keep going Andrew66 - you're on a good, tried and tested track and we'll all support you along the way and will celebrate (with lots of little quiet smiles at the computer screens) when we see you get your settlement!

[Andrew66]

Finally got the letter sent off today, because my wife had a baby girl on Tuesday afternoon! Thank-you all for your support. I know I've said it before but this is a great site.

[arkanara]

CONGRATULATIONS TO YOU BOTH ON YOUR NEW ARRIVAL!!!

 

More congratulations to follow very soon to if you stick to your guns with A&L, they do like to drag it out but it is so worth it when you receive your cheque.

[caro]

Congratulations to you and your wife on the new arrival. No doubt she will get spoilt rotten with your windfall when you get it.

[younganfree]

Celebrations time, I think.

[Guest Tracey284]

Interested with your correspondence with A & L. I have been reluctant to contact them as I was advised that A & L don't like to be questioned and will just close your account. Anyone else heard this?

[caro]

A&L have stated publicly that they will pay everyone who makes a court claim, but will not go to court, and that they will close claimants accounts. They tend to do this about a month after paying up.