A&L bank charges

[spacemarine]

hi everyone

im still pretty new to all this, i have finally done it, yesterday i sent the first letter to my bank asking for the statements as set down in the templates, im now looking forward to having a fight, i cant say what i feel about banks but i wish everybody in the same boat the best of luck

keep up the good work

[spacemarine]

I have sent off my first letter of request, getting prepared for the next stage, can somebody clarify that my schedule of bank charges that i must submit at the seconnd stage are a list of all charges that I have taken from my bank statments which A&L have supplied and can i include item paid charges, thanks :idea:

[simmo9]

That is correct, you can include any charges. Paid direct debit fee's, Overdarft Charge, late payment charges, referrel charges and card missuse fee's etc.

 

They are usually around £20-40 a time, so it soon adds up!!

 

I had an A+L account for 16 months and received £650 in charges!!

[Guest NATTIE]

Welcome to the Cag Family and good luck

[spacemarine]

hi everybody

ok then have done everything to the book, i have now received a letter from A&L solicitor acknowledgeing of service and giving notice of intention to defend, ok getting scary now but not going to give up, can any body tell me what happens next? whats my next move?also my OLC is in the northampton county court, silly question but can i get the case moved to nearer home, as i start preparing for court are there any rough guides as to preparing my case and what should i do in terms of paper work. lots of questions i know but have managed to get this far with all the great help from this site

Many Thanks

[dizzykate]

hi

 

I have received a letter from solicitors today saying the same as yours, if you have a look at my thread and see what others have said about this as it is a little intimidating when solicitors letter comes (and my daughter joked about me being on gmtv as the first person who loses to the bank not v funny ) will follow whats being said to you as looks as if we are at about the same stage

[spacemarine]

hi dizzykate

thanks for your post im just kind of wondering what happens next i had this letter back and feel as though i should be doing something about it

[dizzykate]

hi

 

the advise on here seems to be do nothing about it so I am going to wait and try not to think about it, they have got in my case about 20 days or so to come up with defence - i think its natural to want to respond to letter but i am worried it would make it worse and i dont know what i would say - it beats me why they do this but think its to try and put you off carrying on.

[thesergeant]

Dizzy & Spacemarine,

 

Just hold tight. All&Pester use in house staff to write these letters. They are intended to intimidate, some people will panic and bail out.

 

I take it you have both laid your claims on MCOL or at your local County Court. All&Pester will drag it out to the very last moment and then settle.

 

Look at http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html and http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html IF you want a guide to what may happen next if they really do push it as far as they possibly can.

 

Don't fret all on the forums are here to help and advise as best we can.

 

Good luck :cool:

[spacemarine]

hi thesarget

thanks for the info i had it in the back of my mind but just needed a reasuring post

kind regards

[spacemarine]

hi everybody

got my letter from their solicitors today fileing their defence

haveing read the other threads it looks like the same 5 pages of contempt

that every one is being sent as a defence,

im no expert but once you read it a few times you start to realise what a thinly veiled piece of old cobblers it is and rather that the intended job of intimidation its meant to be has done nothing less and made me very angry, so come on everybody lets stuff it to them where the sun dont shine.

 

ok! appologies for the rant.

 

having filed their defence would one of you kind people please advise me as to genraly what happens next and what i should do next?

i am claiming through mcol.all things sitting ok

i have pretty much done everything as by the advice of everyone on the site in the correct manner.

should i now start to prepare my court bundle ready for the court

 

i thank everybody for their help and kindness

[stripeuk]

Hi I got a letter from their solicitors today as well saying they intend to defend but all that was attached was a copy of the form they had sent to mcol, this letter was dated 1 day after a letter from A&L offering me £600 (refused!) not sure what happens next I think the court sets a date and send us out paperwork to fill in? good luck:)

[spacemarine]

hi

i think you may have got a ackowledgement of service letter

the defence stuff looks a bit scary and is about 7 sheets worth

but have a good look through it all when it arrives

i think A&L solicitors must be using half the rainforest in paper not only are they wasting time they are wasting all that paper as well

i wonder if we could get an order for them to plant a tree for every case they lose LOL

[bubblesdarling]

Even though I received a letter Waggle & co solicitors on behalf of A&L, I didn't receive an a&q, they only said that it was there intent to defend. Should I be getting an allocation questionnaire ?

[MimiJane]

You may or may not get an AQ from the court. I gather some courts are not now sending them out (unnecessary time and admin. on their behalf:rolleyes:). If you do have one sent, it costs another £100, but not sure if you still have to pay this if you don't receive one.

[dizzykate]

Hi bubblesdarling

 

I got the letter from solicitors saying they intended to defend, letter from court confirming this, then few days later got the defence, I rang the court today and they said to complete AQ which I printed off through link on here and am going to take it in tomorrow. Clerk at the court said they have to complete one too, dont know where they get theirs from assume the court sends it will see what the post brings tomorrow. they have in my case until 17 May to get it in.

 

If you did your claim online there is something on here bout AQ not being sent out http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html?highlight=allocation#post695176 (think thats how to link to it!!)

[bubblesdarling]

wow thanks - this has been so helpful. Yes the link has said that in some cases recently that the courts have not been sending out AQ's, cutting corners to stop the delay tactics of the Bank. So I will wait and see. hopefully I will have a court date soon.

Thanks again and good luck with your claim ...

[spacemarine]

hi guys

i have not had a AQ from the court yet , i am basically waiting to receive one, i was assuming that because i had not got one that A&L had not placed their defence with the court and what i had received from the solicitor was another scare tactic,

i need to look into this further

thanks for your help

[spacemarine]

hi guys

just seen the link, makes interesting reading they still have 10 days to go and i have not heard anything from the court yet so im still going to sit tight, nothing on my mcol file so im basically just waiting iwas wondering if the time runs out and i have not got my AQ can i still apply for judgement or will some one say no because i have not sent my AQ

thanks

[spacemarine]

hi

have five days to go before judgement have not had any AQ papers just the standard defence sent from solicitors,

noted a thread saying that they had not got a proper list of charges section 10, i also had this but as they sent me a photo copy of the charges thought it was a bit strange and im still sitting tight, could this possibly be a get out on a technical issue

[spacemarine]

hi

mcol have informed me that they intend to defend so waiting for court transfer location and date, so i expect something to happen soon

[spacemarine]

hi

have been scanning some other areas of the site, have been to the lyods tsb section, i think we should all have a look in this section as like myself im near to getting a court date and one thing i have noticed is that there is an importance to getting a strong bundle together in case it does go all the way

one thing i noticed that messed up someones case was the lack of evidence against the defendent i.e that they could not supply a copy of the banks terms and conditions ( something which i dont have) that would possibly be used in court, may i take this opertunity to ask if any one could obtain and post these on site as im sure many dont have this information, i will try and find what i can from the banks web site,

i feel that there may be an area that the bank can use against a claim by stating they are service charges ( banks standard defence )

i think we need to address possible loopholes in this area that the bank may use, unfortunatly i dont have the legal abilitie to understand or mount a defence should they start argueing about service charges.

also of interest

would it be possible to state That the Defence is struck out as an abuse of process, pursuant to rule 3.4(2)(b) of the Civil Procedure Rules.

On the basis that the Defendant has filed a template defence then subsequently settled each and every other claim of this nature.

would there be a list somewhere of a list of cases that could be used as evidence to support a claim

ok then i hope somebody understands what im getting at here on both sections of this post i think many of us are charging into the unkown hoping that the banks stop short before court,(myself included)

but it is important that we have a good defence to put forward just in case

so please lets start getting some meat to put on the bones of our case and start to build a rough online bundle before the banks realise that they can pick us all off when it gets to court because of the lack of evidence.

good luck to every body

[monkeyboy65]

Current T&Cs are available on A&L website at http://www.alliance-leicester.co.uk/currentaccounts/ec03964.pdf.

 

It would be interesting to see any changes in wording between these and the ones in place when I opened my account all those years ago.

[bsia666]

Some more from the net.................

 

http://www.alliance-leicester-group.co.uk/html/csr/termsandconditions.pdf

 

 

regards - william

[spacemarine]

thanks everybody i will check these out

kind regards