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Just starting - bit nervous!!


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Hi olivers mummy you have no reason to worry as long as you stick with the advice on this site and keep your thread updated of all progress then we will have another success to add to the many thousands before you.

 

 

sorry to hijack this thread but i noticed you are a site helper - Monkeyboy v A&L has a directions hearing by telephone conference- I can not find anything on this - can you help?

 

Sorry again for hijack - :oops: olivers mummy

 

jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Well I've sent my LBA today special delivery. The deadline was tomorrow so it's not like I posted it well early, I wanted to make sure I skipped the postal strike on Friday, if it takes them three weeks to deliver a normal first class letter then god only knows how a strike will affect my mail!!! Sit and hope for the best now. I'll keep you all informed and just read up on the next stage ready. Thanks for all your help everybody ;)

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  • 2 weeks later...

Yes, stick to your time scales.

 

This is YOUR claim.:)

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Ok, next Thursday it is, but as they are now expecting me to wait for them for another 56 days because of their letter, do I send them a warning or anything to say, it's my deadline - I will contact court! or do I just go ahead and do it?

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Hi Oliversmummy,

I wouldn't wait the time that they are asking for. I'm claiming for me and my son and they have sent us poultry (spelling??) offers on both counts. They've been very quick to reply really, so now I have to wait out the timescale from the LBA. A&L won't back down if you don't accept offers that are made and there doesn't seem to be any consistency in who they make an offer to. The first letter they sent back on my claim said bog off and yet they made me an offer for about a quarter of my claim in the second letter. They made my son an offer after the first letter :confused:

 

As for your question, I think the templates do state that you will make a claim through the courts without any further notice, so they should know what's coming :D

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Hi Everyone, problems with my internet and can't remember my password so my name for the time being is now olivers grandad!! This process is ageing me though!!!! :rolleyes:

Received a letter from the alliance saying they are prepared to give me £615 out of my £2000 and odd, something about the difference it is if they were charging £12 per charge instead of £34. This would be full and final settlement. What now? Do I decline this? Also, I can take court action any day now, do I have to pay the fees straight away?

 

Thanks for your help everyone!

 

Olivers mummy

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Hi Olivers mummy,

If you look in http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=39&Itemid=78

you will find the rejection letter. Yes you should reject this offer, they seem to do it randomly.

If you are in receipt of certain benefits you will not have to pay the court fees, if not then I'm afraid you will, check out the site below. https://www.moneyclaim.gov.uk/csmco2/index.jsp

If you can get it paid for you need to go to court & fill in the paperwork there.

Good luck, you will get the cash back.

Andrew

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I've tried to type out the rejection letter but it says I will accept as part payment only, there is no cheque enclosed so I cant do that, also, it states how much time they have left before court action, they dont have any so what do I write here? I'm just going to file my claim now

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did you get to the section with 6 reject letters?

 

You just chose the one closest to your situation and then adapt it if necessary.

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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OK, done the rejection letter, got my spreadsheet up to date with contractual interest ready, now how do I file my claim? I'm going to use MCOL. What do I need to get started? It says make sure your claim is viable or something and it's really scared me as if I'm going to get laughed at for asking it back and get locked up! Ha ha!! I am a bit of a worryer!! Is there some instructions somewhere that'll help me and calm me down? Thanks guys!!

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Getting MCOL Right

 

Hi - try this for starters - also try the WIKI as I guess the most up to date info will now be on there - rather than threads being updated.

 

Jan:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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A couple of things im concerned about.

 

1/ You mention 56 days, where has this come from as they have 8 weeks to respond as per the FSA.

 

2/ Earlier in your thread you mentioned claiming 8% stat interest. Then on post 65 you mention Contractual interest, which are you claiming?

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I think the best way would be for you to file at your local court.

MCOL is filed at Northampton, when A&L submit their defence it will only be transferred to your local court anyway.

 

Also, with MCOL you are very limited as to what you write in your 'particulars of claim'. Whereas if you file with N1 at your local court you can attach a much more concise POC.

 

Hope that helps.

 

Holy.

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Hello everyone,

 

I have a friend that has advised me to not file a court claim but to ask the Financial Ombudsman to look into my case. All & leic owes me £666 in charges alone and they have sent a letter flat out refusing to pay. what do you guys think is best - to file the claim and pay the £80 or just let the Ombudsman take care of it?

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I know the martin lewis site is advocating this method and some people have been very successfull using that route - and it still leaves the court route open to you later. We have some people start court action here as they were not offered enough that way or it was taking to long. I would advise you to read through our threads here and you will see the A&L are not an easy nut to crack. then go to the search button above and put in FOS and you will be able to read other comments. Then it is up to you.

 

jan:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Ok guys, filed claim today. Here we go then, they'd better pay up now as I've told my little boy that we're going toys r us and treating him!! (not thqat he can understand me yet but that's not the point!) I'm ready for it and feel quite positive today! Just hope the settle a bit sonner than 2 days before court, I'll be pulling my hair out with fright otherwise!!!!:D

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