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Scoobz - v - Alliance & Leicester

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Hi Peeps


Started my claim with A & L mid March 2007 using templates from a BBC article on line as an 'estimated' claim (£5000) as I only had last 3 years statements.


I got the usual fob off letter from A & L so proceeded with N1 claim which I filed with my local county court on 13th April 2007.


Wragge & co acknowledged my claim and then sent their usual 'Defence'.


I then discovered Martin Lewis's site and CAG and after hours of reading I discovered that 'estimated' claims were not a good idea so I paid £35 to have my claim amended with court (form N244) and changed my claim amount to tie in with the statements I had (£3700) and also amended my Particulars of Claim (using the template from here).


Opened a parachute account and sent off S.A.R - (Subject Access Request) letter to A & L.


Wragge & Co filed their AQ with court and I filed mine on 19th May 2007 and now I'm just waiting for my court date...


I've just received my statements from A & L so I've now worked out my charges for the other 3 years which takes my total claim for the full 6 years back up to £4900. I spoke to my local court and they said I could sill apply to have my claim amount amended as long as it doesn't go over £5000 (next bracket). I know I'll have to pay £35 again and fill out the N244 form again but it will be worth it and alot cheaper than starting a new claim.


Just wondered if there are any other peeps who have filed their claims with Wakefield C C as I've heard from staff there that they have been transfering cases to Leeds ??

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Welcome to the CAG site


You've definately taken the first step into claiming back what's rightfully yours.


Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.


Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.


Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.


Good luck with your claim.



Useful links to help with your claim



http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/


Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/


Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html


Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html


A person is only as big as the dream they dare to live.



Good things come to he who waits



Its your money taken unlawfully from your account and you have a legal right to claim it back.

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  • 2 months later...

:) Hi scoobz - best of luck for next week - i know yours is a bigger amount than mine and you are amending claim - but my hearing next week was only for removal of stay - and they settled. see my thread in successes or pm me if you want.



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:)


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




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  • 1 year later...

Hi Peeps....


I had almost given up hope but there's light at the end of the tunnel at last!


Bring it on OFT we've all got our fingers crossed!



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