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i am in the process of claiming my money back from A&L have calculated they owe me about £800 all the revalent letters etc been posted,and i have now had a letter back offering me £22 to end the matter.where do i go from here.They keep quoting to me that the charges of £12 apply only to credit cards and not bank charges.can anybody help me.

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You really must read the FAQs in the library etc.


This is a standard response. All&Pester will try to bluff you, offer small amounts to settle, baffle you with rubbish and drag things out as long as they possibly can.


If you have done your prelim and LBA its time to make your claim via MCOL or your local Court - they will then state they are going to defend and will finally settle just before the Court date.


Once they have settled make a wasted costs claim.


Good luck .............. :D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:


Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Hi, Everything you need is in the templates library on the main page, follow the step-by-step instructions and you wont go wrong.


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