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GOOD (me sometimes) V EVIL (A&L)**WON**

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A journey begins !!!!! ,I have just got my bank statements from the A&L and will be trawling through them later on today (30days to send). I have already had a result from them as they refunded my £10 DPA payment and appologised for the delay, HE HE you would think they were helpfull. I will gratefully donate to the CAG on settlement.............keep up the good work you do. William :)

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Hi, William.

Keep us posted on this thread with your progress.

Good Luck. :cool:

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£5,550 appox is the amount of charges that have been spirited away from me by the A&L .......BLOOMIN ECK. I will now have a further look at all the other info ,threads and take the next step.

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You're doing the sensible thing, William, having a good look aroung the site first. This is a very serious thing you are about to undertake, you need to know what you are doing.

Opinion is divided on how to proceed if the amount claimed (minus interest) is more than £5000.

The more cautious among us suggest splitting the claim into two smaller amounts; taking the first charges by order of date upto 5k and claiming these first, then claiming the rest when this has been settled.

The other school of thought is that as the banks are, so far, not contesting the claims you may as well claim it all in one go. You have to be aware though that you would be liable for costs if the case went to court and you lost, (those who advocate this route believe the risk to be minimal however).

If money is an issue, there is also an implication re affordability, it being cheaper initially to instigate a claim for under 5k.

The choice is yours, William.

Whatever you decide, keep us posted. :cool:

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I have made my mind up and now I have changed it................Im goin to think it all through again. oh joy .

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:) changed my mind about my claim!!.........I shall split it into two separate claims, 00-03 and 03-06. I still havent got my head around all the ins and out of this process, Ill go back over it again. SORRY if im talking out loud - William :)

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:p Ive split my claim into two to keep it well below £5000 as this will offer protection against legal expenses should I fail. The first is from 22.10.00 TO 09.05.05. The amounts are £2,907.50 in charges and £242.70 overdraught interest charged. I shall photocopy the schedule of charges and send with prelim letter. :) :) :):p .

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The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow:(

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Well thats another step taken.....my prelim letter is awaaaaaay to the dark side (rec del) of the banking system - the A&L seem to be very stroppy ;) . Chat in 14 days :p

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The second will have to wait until Jan 2007 im afraid............just feeling my way around all the information on here. Started back at work after 5 1/2 months off today. Bodged operation on my elbow:(

 

If you are splitting your claim, make sure that one claim is finished before starting the next, or you may find the court combine them anyway.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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By the way, I hope work wasn't too bad after all that time off.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro for that advise, I will be ready in Jan or Feb with part two of my claim.............work was fine as I had to be on a course. I have the small concilation that I have 25 days of holiday leave left before new year.:)

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I can only think you work for the Civil Service or in Local Government. LOL You don't have to answer that.

  • Confused 1

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:o Standard ........."I have noted your comments ++++++they must stand" letter arrived today,waiting till 14 day deadline passes then LBA is off to A&L (rec del)............................chat in about 14 days. :-)

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;) Thanks go to the Halifax as I have an valid high street account again,I applied online a week ago.

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Im itching to get my LBA off but I shall have to wait until Tuesday :)

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However frustrating it may get, patience is what is required in this game, bsia666, as you have found out.

It is good that you keep us updated, as it shows other would-be claimers that it is a painstaking process, but done properly it is effective.

Keep with it. :cool:

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going to start my claim tommorrow with A&L for £785 will be tracking your progress so that will hopefully help me.

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;-) At last I have got to the post office to send my LBA off (rec del)........................I had a wry smile on my face as I left the Post Office as my local A&L branch is just across the road. So its another 14 days and my next step, Court proceedings , unless the ever so kind A&L would like to settle:eek: :):):):) .Chat in 12 or so days.

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Has any one got advise on when to start the 2nd part of my claim?........I have an idea on this.It is to start the 2nd claim in the standard way with PreLim then LBA just now,but wait for the first claim to be settled and when check arrives on doorstep, start court proceedings again for 2nd amount of charges.This would complete the claming back procedure :)

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Hi, bsia666.

It would be my advice to wait until the 1st claim is out of the way before you start with the prelim and LBA for the second.

That way things remain simple. 8)

  • Haha 1

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I agree that this may be safest if you want to keep your claim under 5k or A&L may ask the judge to combine the claims.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks again for that advise, I shall wait until the 1st part of my claim has run its course and then start the procedure again for the remaining charges.I think I have about 9 days to wait before MCOL...................any body need a plumber? as I shall have to work a bit to pay for it :-) :-) :-)

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Wot. At the rates you dudes reportedly charge?

Don't think I could afford it, so I'll have to pass this time ;-) .

Mind you, the cistern does make a funny noise after flushing...

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I have been looking around other banking threads and have a question for all you helpfull people out there. I live in Scotland and my banking address is in Scotland, can I use the money claim online service to claim back charges?............... I am not sure now after looking at a Halifax (I think) bank thread.I have been looking around for months at the various threads and I thought I was sure I could. :confused: ps I am very cheap but not nasty re plumbing LOL

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