Up against the Alliance Cont....

[JOMADEM]

I posted this a couple of days ago and had a very propmpt reply. The suggestion was to post my issue here actually on the A & L Forum for you all to see. hopefully some further advice and input can be added. I would be most grateful. After having read the FAQ's, I am still unsure about the matter of adding Interest. I originally chose NOT to go for Charges Plus Interest and as you can see, the amount still came to just under £5,000! When I go for MCOL do I have to claim for the Interest at £0.00000022 per day or whatever it is? That will push my claim over the Small Claims limit and cause me a potential problem won't it??....................

 

 

Hi People, I have just found you today after following the first few steps from Martin Lewis's MSE site. In short I am pursuing A & L for a significant sum. Nearly £5K to be precise!! I have just informed them that I intend to go to Court to retrieve my money and have received the response that they are looking in to it....Surprise!

Couple of Qu's if I may please??

How long do I wait for A&L to "look into" my claim before I go to Money Claim in the Court?

Because my claim is for literally just under £5,000 without interest, does this mean that It will be likely that the Small Claims Court will not handle it and perhaps forward it on??

I really would apreciate some guidance please

[MimiJane]

Hi there,

 

I believe you have to wait for 28 days from the first letter you send to the bank asking for your money back before you can proceed to MCOL. Martin Lewis suggests giving them 14 days to reply to the initial letter and another 14 days for the letter before action.

 

I'm not sure about the £5k part (although I've no doubt read about it somewhere:rolleyes:). I'm sure someone will be along to help you out on this soon but, if not, give MCOL a ring and they'll put you right.

 

By the way, I'm pretty sure it's recommended on this forum not to ask for interest initially, which means you've done the right thing.

 

Good luck with your claim

 

Mimi

[maxt2001]

as i understand it the £5k limit is before interest is added so you should be ok.

[sea-sidelady]

If you use the spread sheets on here, it will add all your interest for you.

 

But dont include it until you are ready to file at court.

[JOMADEM]

:?: Hi All, Sorry to act dumb but I really don't want to mess this up! I have now waited patiently since the A&L sent me a letter on May 18th saying they "Will look into it etc etc" Obviously heard nothing. I sent my LBA on Tuesday 15th May asking for a response within 7 days. They obviously did respond within that time but clearly not positively.

Do I know just Go for Broke now and fill out the MCOL or N1, or do I send another letter to A&L saying that I am not happy with their response so far and that I will give them a final seven days or something. I am just thinking that this will maybe reinforce my case against them by having given them ample opportunity to deal with it???

 

Thanks for the feedback so far, really would apreciate some more!!!!

[MimiJane]

:?: Hi All, Sorry to act dumb but I really don't want to mess this up! I have now waited patiently since the A&L sent me a letter on May 18th saying they "Will look into it etc etc" Obviously heard nothing. I sent my LBA on Tuesday 15th May asking for a response within 7 days. They obviously did respond within that time but clearly not positively.

Do I know just Go for Broke now and fill out the MCOL or N1, or do I send another letter to A&L saying that I am not happy with their response so far and that I will give them a final seven days or something. I am just thinking that this will maybe reinforce my case against them by having given them ample opportunity to deal with it???

 

Thanks for the feedback so far, really would apreciate some more!!!!

 

As above you can start court proceedings within 28 days of first requesting your charges back. No point whatsoever in sending yet another letter ... they've had plenty of time already and, as many of us know, they will not pay out the full amount until after court proceedings have begun and you show you're serious about claiming (although they'll no doubt make you a "silly" offer along the way.

 

Lots of us have had proceedings transferred to our local courts and have been notified of a court date and had directions from the judge as to what the "court bundle" should contain, so you've got some way to go yet if you want to pursue it. You have to bear in mind that, if you do commence court proceedings, there is of course the possibility it will go to court, but it's unlikely and, even if it does, it's even more unlikely A&L will turn up:rolleyes:

 

Hope this helps

[JOMADEM]

Thanks Mimi. I have just spent the last 40 mins reading your thread! WOW you really are into it all ..I'm very impressed if somewhat daunted by what may lie ahead of me, but hopefully, with your good self and others to help I'm sure I will be ok!!!

Ok, tomorrow I will be taking them to Court...no messing.

I think I will complete the N1 form rather than MCOL so that I can personally deliver it to my Local County Court.

Would you suggest anything different??

[MimiJane]

Thanks Mimi. I have just spent the last 40 mins reading your thread! WOW you really are into it all ..I'm very impressed if somewhat daunted by what may lie ahead of me, but hopefully, with your good self and others to help I'm sure I will be ok!!!

Ok, tomorrow I will be taking them to Court...no messing.

I think I will complete the N1 form rather than MCOL so that I can personally deliver it to my Local County Court.

Would you suggest anything different??

 

LOL ... yes, it is rather a long thread:rolleyes: Hopefully though, all the stages I and others have been through and the great help we've had along the way will assist others like yourself. Every case is different but, then again, there are many similarities between what we're all going through. The fact that so many of us are way ahead of you is good news for you as you'll get lots of useful advice along the way

 

I used MCOL but you should do whatever you feel happy with ... lots of people prefer to deal direct with their local court, so go for it, good luck and keep us up-to-date with how you're doing and what questions you need to ask along the way

 

Mimi x

[JOMADEM]

Awesome! Thanks very much. I'm sure i will be firing off a few more questions over the coming days, weeks and months possibly??

If I file my N1 this week, what sort of timescale do you think I should expect before a conclusion??

[MimiJane]

Awesome! Thanks very much. I'm sure i will be firing off a few more questions over the coming days, weeks and months possibly??

If I file my N1 this week, what sort of timescale do you think I should expect before a conclusion??

 

It depends how busy your local court is ... could be weeks, or even months. I'm not sure if dealing with your local court direct might speed things up a bit, quite possibly

[JOMADEM]

Hiya,

Literally the morning of going to file my Court Claim I received a letter from the A&L offering the usual paltrey difference between £12 and the amount they originally robbed off me etc etc. Basically the standard response most people have been getting!

I'm sure Ive seen some response letters posted somewhere on the site but I can't locate them?? Can someone possibly direct me please??

Obviously my intention is to tell them to place their offer in an orrifice where there is no light, only total darkness!

Thanks

[joe1969]

Hi Jomadem,

You will find them here.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Joe

[bsia666]

This may help you when if you want to file a claim. Its from Michael Brown via mochamoo..................

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13

 

All the best in your Claim - William

[JOMADEM]

Thanks William, Thanks Joe. You are proper Gents!