A&L bank charges

[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

[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.

[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!!)

[dizzykate]

hiya claire

 

I got a copy of their AQ they requested the fast track option but said they had no witnesses not even themselves? Then I got a letter offering me under half of the amount I am claiming thats the difference between charges and total of £12 that the OFT have recommended - they gave me until 18 May to accept it, I can keep my account open etc..but accept that any future charges will be at the standard rate. I sent a letter back rejecting this and quoting a bit of a letter that A & L sent in response to LBA the bit about the OFT recommendations only applying to credit card charges so were they not contradicting themselves really. I said I would settle for about £500 less to settle early. Dont really know why I did that as I did not think they would accept. Anyway both AQ are filed in court but court says they are really behind and the AQ wont get looked at for about another two weeks then it will go into District Judges box for allocation so could be weeks before get a court date. Have looked up the implications of Fast Track and hoping Judge does not decide to allocate it there (claims is over £5000)

 

Have you heard anything yet from your Court? I think hearing nothing is worse than getting letters off them.

 

Let me know how you are getting on.

 

Kate

[dizzykate]

ok claire

 

let us know what their AQ says. I was really careful filling mine in making sure it was all ok etc. Theirs looked like they had rushed it still they are the professionals must be ok to do this lol thing is on the back of my defense was a list of charges (the one they said they did not have !) and there were some missing and there was no total and they had added one that is outside the 6 years. Like they are not taking all this seriously

 

regards

 

kate

[dizzykate]

Definately, thanks sergeant just the kind of upbeat thinking I need this am.

 

I started this off really positive just a bit nervous of all the paperwork making sure it all spot on, have seen district judge tear a strip off a solicitor for local borough council for inaccurate evidence. Alliance & Leicester seem to take it to the limit though and it all gets a bit demoralising

 

Cheers

 

 

Kate