LBA is in the post SELLICK V A&L

[nigel J sellick]

Update: Received SAR Calculated charges at £2931.75 sent first letter 6th sept got response saying they think there charges are fair n will stand. So sent my LBA yesterday ill keep you all posted..(Bought my Small Claims Pack & Lables but lables have not been received as yet.)

[younganfree]

Now your threads have been merged it's easier to see the whole story, dude.

 

You seem to have had a really bad time of things. The money you get back from these people (can't even bring myself to name them they are so evil - what gives them the right to ruin peoples lives in this way?), will hopefully help you get back on track.

 

Here's hoping so.

 

All the luck in the world to you, dude.

[Sophie-Jane]

Update: Received S.A.R - (Subject Access Request) Calculated charges at £2931.75 sent first letter 6th sept got response saying they think there charges are fair n will stand. So sent my LBA yesterday ill keep you all posted..(Bought my Small Claims Pack & Lables but lables have not been received as yet.)

 

Hiya - Been a while since I wrote to you

 

Just keep your head high, DO NOT BE FOBBED off with these standard letters

 

Now - A&L will still not pay up on the LBA - So Once the deadline is up, File a Moneyclaim, You can do this online, but it does cost, Which you will get back when you win

 

Ensure all documentation is correct, get advise off here to check if unsure

Keep records upto date, this will save time later, when you refer back

 

But Once the Claim is done, You will just have to wait for them to contact you, and they will most probably do that than go to court

 

The reason for them avoiding court, is that they would have to prove that their charges are a TRUE representation of the charges they incur due to you going overdrawn etc.

Which they will not do, as if they were not to prove they are a true representation of their costs, that would open the flood gates further, and also set a president on the charges.

 

I will not say G$$% L*&£ as its not needed, Its your Money, Not theirs.

[nigel J sellick]

Thank you Sophie-Jane Today i received the once again standard letter saying they think there charges are justified infact exactly the same letter word for word as the one before i sent the LBA so its time to go to court i think What are the costs that i have to pay to make the claim?

[nigel J sellick]

Right here goes im stuck Please "Help Anyone", I am claiming that A&L have wrongfully charged me £2763.25 in unfair bank charges The interest on that is £473.37 makes total claim £3236.62. So how do i word the particulars of the claim? Can anyone give me the correct wording?

[Lil]

Example POC may need tweaking to fit. You can't include schedule on moneyclaim. When you know your claim no. send 2 copies clearly marked with your claim no.

 

 

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount claimed x 0.00022).

Hope this helps Just change the red bits to your details. Someone posted this on my thread and i cut and pasted it onto moneyclaim then changed the bits i needed to.

 

Any problems give us a shout

[nigel J sellick]

Many thanks ive done the spread sheet thing showing my interest at 437.37 dont really understand this bit?

[Lil]

What do you mean? The last bit? if it is the last bit you would add your amount your are claiming to your interest then that total times by 0.00022. This is the daily interest.

SO...

£2763.25 + £437.37 = £3236.62...

£3236.62 x 0.00022 = 0.712. So you would put 71p in (£0.00p = Amount claimed x 0.00022).

If thats not what you mean let me know and i'll try and help if i haven't confussed you!!!

[nigel J sellick]

Your Fantastic lil xxxx

[nigel J sellick]

Does this look ok?

 

 

Claimant has account xxxxxxxx with

Defendant from January 2000 conducted on

their standard terms and conditions.

Claimant is claiming the return of £2763.25

taken by Defendant in charges over 6 years.

The Defendant's charges are a

disproportionate penalty and therefore

unenforceable as they are contrary to

common law. They are also invalid under the

Unfair Contracts Terms Act 1977 s.4 and

under the Unfair Terms in Consumer

Contracts Regulations 1999.Para.8 and

sch.2.1.e.

In the event that the charges are not a

penalty they are unreasonable within the

meaning of the Supply of Goods and Services

Act 1982 s.15. Defendant has declined

justification of charges despite repeated

requests. Claimant claims interest under

Sec.69 of the County Courts Act 1984 at a

rate of 8% a year from 8th December 2000 to

1st October 2006 of £437.00 and also

interest at same rate up to the date of

judgment or earlier payment at a daily rate

of £0.71p

[younganfree]

HEY, DUDE, BLANK OUT YOUR ACCOUNT NO. ON THE ABOVE. YOU DON'T WANT ALL AND SUNDRY HAVING ACCESS TO IT!

[caro]

HEY, DUDE, BLANK OUT YOUR ACCOUNT NO. ON THE ABOVE. YOU DON'T WANT ALL AND SUNDRY HAVING ACCESS TO IT!

Account number removed. It looks like the standard POC from the library so should be fine.

[Lil]

Don't forget to send 2 copies of your schedule to the court....

[nigel J sellick]

its ok dudes the account been closed for 4 months and if someone wants to repay my debt then go for it lol...... although i fear you wont want there charges hehe!!! thanks all the same people