Wills7 A&L

[wills7]

I sent my first letter to A&L yesterday requesting what charges had been inflicted on me over the last 6 years. As my account is closed i didn't keep my statements.. what happens now? Do i sit tight and wait for them to get back to me?

[arkanara]

Hello and welcome!

 

I'm afraid to tell you it may be a long wait, i received my statements after about 50 days. Did you send the template from the library?

[wills7]

Yes, i put i request all details of my charges etc exercising my right under the data protection act..

[arkanara]

Just a case of waiting the 40 day alloted timescale now. If you haven't already use this time to read through the site, it really helps if you feel confident about what your doing.

 

Good Luck.

[caro]

Hi wills7 and welcome. You have some excellent advice there from Ankanara. Good luck and let us know how you get on.

[wills7]

I have recieved my statements which i have paid for, unable they are for the wrong account - i have paid my £10 will i have to pay another £10 to get the right ones?

[wills7]

I have recently recieved my statements, toted up how much they owe me and have sent off my first letter to reclaim MY money.. Fingers crossed. What should i expect next?

[livelylad]

I have recently recieved my statements, toted up how much they owe me and have sent off my first letter to reclaim MY money.. Fingers crossed. What should i expect next?

 

I sould expect you to read the faqs all answers are there . If you require further help i will assist.

[wills7]

Thank you, i know roughly what to expect - my sister claimed back from Barclays but they gave in after the first letter whereas what i've read about A&L they are a bit more difficult

[livelylad]

Thank you, i know roughly what to expect - my sister claimed back from Barclays but they gave in after the first letter whereas what i've read about A&L they are a bit more difficult

 

Hi please be aware that each claim is different, hopefully you will get a speedy repayment.

[wills7]

I recieved the usual from A&L saying they think it's fair and it's only credit cards blah blah blah , so i fired off my LBA yesterday to them and i now await my reponse...

[wills7]

A&L have until tomorrow to reply to my LBA. Is it common for them not to respond?

[121o121]

Usually they respond, but after the deadline go straight to the MCOL stage.

[Bookworm]

4 threads merged.

 

1 thread per claim, please! It's easier to follow that way.

[wills7]

When i do the claim do i just put the amount with interest or the normal claim. Is the site very clear about how i go about doing it?

[SickofA&L]

Just use the mcol template that's in the library. It's all pretty self explanatory as you read through it. Basically you're asking for the amount which you set out with your LBA (hopefully you remembered to put the breakdown in with your LBA) but now you're adding the 8% interest as well

MCOL is simple, its a step by step thing but remember to do it with you as the claimant and A&L as defendant, only saying that because I noticed on one thread that somebody got it the wrong way round. When it ask you to input the defendant address use the Carlton Park, Narborough address as it won't pick up the Bootle one. Once you've completed it sit back and wait for the fun to begin

 

Good luck

[wills7]

Thanks for that. if i don't hear anything tomorrow from them i shall be cracking on with it on Wednesday

[wills7]

Time is up - i've heard nothing since my LBA and it's now been 14 days...

[wills7]

Has anyone else ever had no reply to there LBA and gone on to issue the court stuff?

[younganfree]

Hey, wills7, have you been sending your letters by recorded delivery?

[wills7]

Yes - i've tracked them on royal mail website so i know they've got there

[younganfree]

In that case, go ahead. It's your timetable.

[wills7]

i think i'll give it till Thursday to be sure and so it looks like i've given them chance - if nothing by then i'll start the MCOL

[wills7]

HELP.. What do i put in paticulars of claim????

[Beserker]

Its in the bank templates library :-

 

www.consumeractiongroup.co.uk/forum/showthread.php?t=34887