colheath v A&L

[colheath]

This looks like a great site for help support and information. I am just about to post my 1st letter to Alliance & Leicester.

 

Will be in touch.

 

Thanks

Colin.

[Jess68]

Good luck Colin, if you follow the advice here you cant go wrong

[colheath]

I've had a letter back from them saying they are looking in to the issue.

 

Was expecting a flat refusal so am quite upbeat

[Jess68]

lol standard delay tactics, think they are under the impression that if they say that they're dealin with it you will sit and wait. Stick to your schedule hun

[colheath]

ah ok, thanks.

[colheath]

on my letter before action should I remove the line "I am very disappointed that you have failed to respond to my letter..." as they have responded?

[younganfree]

Letters in the template library can be customised to individual needs as necessary, colheath. Good luck with the claim.

[colheath]

yep, I've changed it from "I am very disappointed that you have failed to respond to my letter..." to "I am very disappointed with your response to my letter..."

 

Thanks

[colheath]

Blimey A&L are quick! A couple of days later and I've received an offer. It amounts to the difference between what I've been charged and the £12.

 

My instinct is to reject it, although the amount they've offered would come in handy. What's the general opinion?

[younganfree]

Blimey A&L are quick! A couple of days later and I've received an offer. It amounts to the difference between what I've been charged and the £12.

 

My instinct is to reject it, although the amount they've offered would come in handy. What's the general opinion?

'General opinion' at the moment, colheath, would probably be that if you're not DESPERATE for the money you'd be better to go with your instinct and reject the offer.

If everyone starts accepting these low offers just because it's 'easier' then it strenghtens the bank's resolve against the rest of us!

Giving in due to 'financial necessity' is one thing, caving cos it's 'easier' is something else. Keep the faith, dude. 8-)

[jansus]

Blimey A&L are quick! A couple of days later and I've received an offer. It amounts to the difference between what I've been charged and the £12.

 

My instinct is to reject it, although the amount they've offered would come in handy. What's the general opinion?

 

gosh - thats unusual - did it actully add up to each charge less £12.00 ?

 

mine was no where near that amount!

 

Keep reading through our threads here before you decide what to do - each person has their own objectives and needs in respective of the money.As it says on this site - although it is highly unlikely-you must be prepared to appear in court.

 

Personally i decided to go ahead- but you must make your own decision

 

on a brighter note there have been lots of cases in all the bank forums settled outside the court in the last few weeks.

 

Best of luck:)

[colheath]

gosh - thats unusual - did it actully add up to each charge less £12.00 ?

 

What they said in the letter was

we are prepared to refund the sum of £418.00 in full and final settlement.

 

This reflects the difference between the amount of charges for unpaid items actually applied to your account and the amount of charges that would have been applied to your account if the charge had been £12

Now, there are 34 charges so @ £12 that makes £408

My actual charge was £1,021 (some were £34, some were £25)

Difference is £613 so they're £195 short.

 

I've rejected it

[jansus]

Difference is £613 so they're £195 short.

 

I've rejected it

 

 

what a surprise! not!

 

Jansus:)

[Russjo]

I'm claiming £1273 for my son and they offered him £281, can't make any of the figures add up, so we've rejected. That was after the first letter, and I don't think there will be any more offers on their way

[younganfree]

I get the impression that it's not a straight £12 per charge that is being reclaimed, but that they 'pick and choose' which charges they are going to refund, THEN offer £12 for each of these.

[colheath]

I've had a reply back from them, they've carried out a final review of my complaint, a full investigation has been conducted, their position remains unchanged, and I may wish to refer my complaint to the Financial Ombudsman Service.

 

On with the court claim now then.

[bsia666]

Quite right colheath and all the best with your CC claim.

 

William

[MimiJane]

I've had a reply back from them, they've carried out a final review of my complaint, a full investigation has been conducted, their position remains unchanged, and I may wish to refer my complaint to the Financial Ombudsman Service.

 

On with the court claim now then.

 

Keep up posted and good luck ... we're all here to help

[colheath]

I've received this morning the Acknowledgement of Service from Wragge & Co giving notice of intention to defend, and also a letter from A&L again offering £418 to settle.

[MimiJane]

Keep going colheath and you'll get ALL your money Though it's totally up to you of course whether or not you continue.

 

You'll find as time goes on, their offers normally get better and better then, near court stage, they should offer near the full amount. They've just offered me 80% of my claim, but I'm rejecting it as they didn't submit their court papers and hopefully it will be judgement by default if it goes to court in just over a week.

 

Good luck

[colheath]

Thanks

 

I have a massive nervous but excited feeling when I think about it.

 

Am I right in thinking I don't need to respond to their offer letter, I just sit back and wait now?

[MimiJane]

Know what you mean about these "feelings":rolleyes:

 

I've sent rejection letters to their offers, but not marked them "Without Prejudice". This way, we can show our replies to the judge/include them in the bundle ... at least I think so if we don't include Wragge's letter marked with this.

 

Mimi

[Jess68]

Damn i get s sinking feeling i put in a copy of there offer in my bundle :O have i made a boob :o

[MimiJane]

Don't worry about it ... you'll get lots more to worry about as it all continues:rolleyes: I'm positive I did as well, but will not be looking! I think all it means is that the judge must disregard it.

[colheath]

I've just got back from hols, and I've received Notice of Hearing (28th November ) and a copy of client's Defense.