MCOL - here we go....***won***

[blimeyboy]

I think I have made a total boob.

My schedule of charges I have sent do not appear to have the write adtes on. basically Excel screwd up the dates for the schedule of charges I sent with the PRELIM and the LBA.

What should I do??

[Advoc8]

Sort the dates out on the sheet. Post them a new copy saying the originals had errors.

 

They know when and what they charged you, this shouldn't cause any problems.

[blimeyboy]

thansk for that.

Should I give them another 14 days or just proceed as normal. basically they have 1 more week to response or MCOL.

Or should I give them a further 14 days.

Will the court acknowledge that they know when charges where taken from my account.

[Guest ian cognito]

As they already have this info themselves, I wouldn't give them extra time, you will have to file your claim before they will pay out but they will pay out after saying they will defend.

 

I take it the amount of charges were correct, just the dates wrong?

[blimeyboy]

Yup the amounts are spot on just the dates, but it has the full breakdown just wrong daytes - ARGH I hate Excel at times.

I did begin to wonder when I received no response from A&L after the PRELIM letter.

I reckon they think I am an idiot who does not knwo what he is doing.

Could kick myself for the mistake.

Oh well. Have just printed off the letter again will send out on Monday

Thanks for your help

[121o121]

I agree with Ian.

 

Just make sure that you send them an updated schedule of charges.

 

As long as the courts receive the correct documents and amounts, thats the most important thing.

 

When you do the interest spreadsheet for your claim, double check its correct as changing amounts at court stage costs a £35 fee.

[blimeyboy]

much appreciated thanks for that help.

[blimeyboy]

Bit of an odd one, sent off my PRELIM Letter -it was received on the 16th Feb,

Heard NOTHING from A&L in that time, on the 5th of March sent LBA - again nothing heard so got worried contacted post office about when it was delivered and as of yet ( 1 week later) still not showing as received, but they have had problems with their scanners she told me

 

Help what shoudl I do ?

Wait another week as per the 14 days and just issue MCOL

[younganfree]

First of all blimeyboy, it's best to stick to just one thread for all your questions, as things can get confused if you keep opening new ones!

In answer to your question, just stick to the timetable. If you've used recorded delivery, chances are they've been received safely enough. I suspect their lack of replies is due to their being snowed under with claims.

[Kerrypotter]

I have also made a total boob! BUT even worse

 

I basically didn't read what I should have done properly, so with the first letter I sent them the pages of the statement back wtih the charges highlighted.....oops. Now looking I can see I should have done the Excel spread sheet.

 

I have heard back from them (on the 14th day) saying they are dealing with it and will be back to me in due course.

 

But I need to send them back the third letter really now.....but do I stick to the orginal claim or do it properly.???

 

HELP

[Guest ian cognito]

Kerry just complete a schedule on the spreadsheet and send that along with your LBA it won't be a problem.

 

Start your own thread in your bank forum so you can keep a track and get help from others.

[blimeyboy]

Ok so we are at MCOL stage.

After SAR found that they owed me £3k in charges over the last 6 years. The account was closed about 2 years ago. Was totally gobsmacked by the amount.

 

Have given 14 days for PRELIM Letter - had no response.

14 days later LBA sent - again no reply at all from A&L. Which is think is odd.

 

Monday morning at 9am the MCOL claim is paid for and sent.

 

Wish me luck.

 

Hope its straight forward. Does anyone have anyidea what the average time to pay out is from A&L.

[j.barton1]

Hi Again...

 

When i filed, they acknowledged within a week, defended a few days later. Ive filed allocation questionaire now. I had not had any offers till just after i filed the AQ they offered 1,760 on a claim for 3,444 (inc interest fees etc). I returned the chq so i am hoping they make a better offer sooner but i am prepared for court. I got to my court date with barclays before i accepted their offer.

jenny

[blimeyboy]

Thanks for that.

I have just checked on MCOL and its been acknowledged. That was much quicker than I thought.

Its frighteningly exciting

[j.barton1]

I agree...lol...wait for the thud of the cheque hitting the floor!!!

 

Jenny

[blimeyboy]

Received a letter from "Dearest Jackie" stating that under the limitation act blah blah.

I am claiming £10 that goes beyond 6 years ..... can you believe it.

Any advice apprecaited, should I just call her and knock off the £10, proceed with the claim including that £10

[younganfree]

I think chain chick pushed for out-of-time charges, have a look at her thread, it may help.

Depends on what hassle you want to go through for a tenner, I suppose.

[blimeyboy]

Thats what I thought. If it was 100's then I would hold out but for £10 its a bit tedious.

 

Do you think calling the "lovely jackie" is a good option?

[blimeyboy]

Just re-worked out the charges excluding the £10 that is outside the 6 year rule and guess what, with interest up to and including today the claim increased to more than the £10 they are arguing over.

I mean they are being such muppets now quibbling over pences.

 

So I have faxed 'dearest jackie" and sent the letter.

Fingers crossed they just send me a cheque

[j.barton1]

Hi, I received the same letter a while ago, my claim has about 1,650 over 6yrs so i intend to continue till i get the full amount, i replied with sec 32 to her letter

 

jenny

[blimeyboy]

I remember reading it on your thread. For that amount its worth going full steam ahead and getting it back.

To be honest I dont think they even read or worked out what the difference would be.

To stall for the sake of £10 is idiotic. I guess we all get our money back soon enough. Getting it back before Easter would be cool though.

[chain chick]

I got a cheque for all the money including the £10.00 The reason I stuck with the tenner was soley so I can go back and claim the money from when I opened the account some fair few years ago!!

 

They send me a chq payable to just me, as the account was in both mine and my husbands name, I have told them I want the chq changed. They agreed, the Lovverly Jackie says that she sent it, yeah right!!!

 

Well today I faxed them and advised them that I will have to complete the AQ and if that happens (Monday) is the deadline, then I am going to add another £100 to the total. Keeping in mind that the amount is climbing daily

 

So at the moment they sent a cheq for £4292 and now it is £4301 + £100 if I need to go to Court on Monday. I will accept payment direct into another account (same day) As otherwise I will have a problem with the court.

 

Will keep you all posted

[blimeyboy]

I eceived my Acknowledgment throught he post today. Yep the "dearest Jackie" is going to defend. So should I expect the cheque before Easter or am I getting excited for nothing??

[tealady51]

well I am taking my AQ to the court on Monday - no sign of any money here so far! But it will come but for me not before Easter - you just cant tell whom they pay or when, the only thing that I am certain of now is that they will pay up, as long as one doesnt lose ones nerve.

 

hope you get your money soon.

[blimeyboy]

A&L New Delay Tactics.

 

Well there was nothing to report until I had to speak to A&L today about an ISA I have with them.

Whilst on the phone I asked about my court claim, the lady I spoke to put me on hold, came back to me put me on hold again and then but me through the the legal department who told me :" we have until the 28th April to either file a defence or make an offer" I said : " well you will have to pay up sooner or later". She said " well we may file a defence just before the 28th, I (meaning she) was waiting for information from Bootle.

 

So basically A&L new tactic seems to be wait until the 11th hour then file a defence and then drag it out another few weeks.

 

Just thought I would keep everyone posted.