Sokam vs AIB

[sokam]

My correspondence with AIB (Allied Irish Bank) are as follows:n

 

1. 10 Oct 06 - sent letter claiming £1,104.25

 

2. 14 Oct 06 - received response from bank basically refusing to pay

 

3. 16 Oct 06 - sent LBA. Got the following response from AIB (see full text below)

 

All my correspondence (Request for Payment & LBA) were sent to my branch and now they're suggesting I re-direct my query to their Head office.

 

My questions are:

 

1. Should I still go ahead and file my claim (court) or re-send the LBA again to the Head office as well?

 

2. If the response/suggestion is to go ahead with the claim do I 've to wait another 14 days or will it continue from the date I sent the intial LBA to my branch.

 

 

Thanks.

 

=====Response from AIB dated 24/10/06=======

 

We refer to your letter of 16 Oct 06 and your request for the refund of excess charges.

 

We would advise again that we are not currently in breach of any legislation. Under the terms of the banking code we are required to notify you of all charges and we have complied with this at all times. Our charges are freely available on the internet and they form part of the contract that was agreed with you when you opened the account with us.

 

It is your responsibilty to maintain your account either in credit or in line with any sanctioned facility. As you have not clearly done so, we are fully entitled to charge you for the time and effort required to manage your account.

 

We have no further comment to make regarding this claim. Should you still consider the decision to be unfair and wish to to take this matter further, your next port of call would be to either contact the Financial Ombudsman services ( details of which are included in the recent leaflet sent) or to contact our Head Office at the address detailed below.

 

Allied Irish Bank (GB)

Customer Care

Bankcentre

Belmont Road

Uxbridge

Middlesex

UB8 1SA

 

signed by the Operations Team Leader

For & on behalf of AIB Group (UK) plc

[sokam]

Received Acknowledgement of Service from AIB on 15 Nov 06 through their solicitors Karlakes Solicitors.

 

This morning - 24/11/06 I received their defence (see details below) and have requested I acknowledge safe receipt. Looking for some ideas as to how I should respond.

 

====Defence from AIB received from Karlakes Solicitors=====is as follows:

 

1. The Defence admits that at all material times the Claimant maintained a current account

 

number xxxxxxxxx at the the defendant's branch at XYZ Buildings, 12 Sweet Rd, Sometown (the

 

Account).

 

2. All fees and charges levied by the defendnt against the Account were on foot of the terms

 

and conditions which govern the agreement between the Defendant and the Claimant.

 

3. In the premises the Defendant denies that the amount claimed or any amount is due and

 

owning by the defendant to the Claimant.

 

Signed

 

David Yeates

[sokam]

Received Acknowledgement of Service from AIB on 15 Nov 06 through their solicitors Karlakes Solicitors.

 

This morning - 24/11/06 I received their defence (see details below) and have requested I acknowledge safe receipt. Looking for some ideas as to how I should respond.

 

====Defence from AIB received from Karlakes Solicitors=====is as follows:

 

1. The Defence admits that at all material times the Claimant maintained a current account

 

number xxxxxxxxx at the the defendant's branch at XYZ Buildings, 12 Sweet Rd, Sometown (the

 

Account).

 

2. All fees and charges levied by the defendnt against the Account were on foot of the terms

 

and conditions which govern the agreement between the Defendant and the Claimant.

 

3. In the premises the Defendant denies that the amount claimed or any amount is due and

 

owning by the defendant to the Claimant.

 

Signed

 

David Yeates

[MARTIN3030]

Last post moved here.......please keep your posts in your thread !!

[sokam]

Just checking whether there any claimants from the Oxfordshire area willing to share ideas.

[MARTIN3030]

Their defence is quite poor.

Sit tight and await the next moves.

If you need help with the allocation questionaire just ask.

I am sure from whats on the table now things are going pretty smooth.

If other posters are in the Oxford area......like he says here give eachother some support.

[sokam]

Martin3030 - Thanks for the advice. Yes I will need some help with the AQ when it arrives.

 

I phoned MCOL this AM and was told that my claim has been transferred to the Oxford County Court & that the AQ should arrive by tomorrow 30/11/06.

 

I keep you posted.

[sokam]

Received Acknowledgement of Service from AIB on 15 Nov 06 through their solicitors Karlakes Solicitors.

 

This morning - 24/11/06 I received their defence (see details below) and have requested I acknowledge safe receipt. Looking for some ideas as to how I should respond.

 

====Defence from AIB received from Karlakes Solicitors=====is as follows:

 

1. The Defence admits that at all material times the Claimant maintained a current account

 

number xxxxxxxxx at the the defendant's branch at XYZ Buildings, 12 Sweet Rd, Sometown (the

 

Account).

 

2. All fees and charges levied by the defendnt against the Account were on foot of the terms

 

and conditions which govern the agreement between the Defendant and the Claimant.

 

3. In the premises the Defendant denies that the amount claimed or any amount is due and

 

owning by the defendant to the Claimant.

 

Signed

 

David Yeates

 

Need some help. Karlakes Solicitors (acting for AIB) requested that I acknowledge receipt of their Defence. Should I respond and if yes what should I say in it.

 

Update: Received the Allocation Questionnaire for Oxford County Council should send a copy to the solicitors as well or just to the court?

[dappytart]

Hi sokam

 

I know this is quite old but I was wondering how you got on? I have just posted a general query to see how anyone else got on and then I found you!! There doesn't seem to be many/any who have tried to claim from AIB which is suprising as I think their charges and communication is appalling. (Am I allowed to say that??) Just wondering how it all went.

 

dappy