jmn v A&L

[jmn]

Received A&L completed AQ from Wraggies today.........squiggled by Susan Land! (she's gonna need a holiday soon!)

Once both AQ's are in at the court, do we just sit and wait for the judge to set a date?

I'm still struggling to find T&C for my years - 2002 & 2007. Have looked in the new T&C library and they seem to have all other years except the ones I need.

Could someone please confirm that it's just the first year and last year of my claim I need T&C for, and not the years in between as well?

Thank you

[jansus]

If you check the "sticky Thread " above by Gary you will see that someone sent the 2002 t/c so maybe you could pm them.

 

 

Jan:)

[jmn]

If you check the "sticky Thread " above by Gary you will see that someone sent the 2002 t/c so maybe you could pm them.

 

 

Jan:)

Hi Jan,

I'm sorry to bother you with something that I'm sure will be so flipping obvious when I know.........but what's a 'sticky thread'? and where can I find it?

 

Jmn

[jansus]

A & L terms and conditions

 

found some more on thread above

 

there not many on the sticky thread but a few links. If you look at the top of the A&L forum under start new thread - there is a section of sticky threads - in other words threads that should stick around and not go to the bottom of the pile

 

jan:)

[jmn]

A & L terms and conditions

 

found some more on thread above

 

there not many on the sticky thread but a few links. If you look at the top of the A&L forum under start new thread - there is a section of sticky threads - in other words threads that should stick around and not go to the bottom of the pile

 

jan:)

Thank you Jan, see I knew it would be obvious!!

 

I've already looked on the T&C link, but nothing for May 02 or Apr 07. I did send a request to A&L via Wraggies about two weeks ago asking them to supply me with a copy but...........Yeah, you guessed it, no reply!

 

Not sure where the CAG's find all the T&C from, I've trawled the net and the Wayback machine rejects my request everytime I use it. Advises me to try again at a less busy time! Well that will be never then!

 

If I don't supply T&C relevant to my claim, will the judge chuck it out???

 

 

Had a call earlier from a Debt Consolidation Co, offering to re-claim our bank charges for a small fee!

I also read a Solicitors advert in a national paper on Tuesday offering to do the same - on a no win, no fee basis.

Looks like everyones jumped on the band wagon.

[jmn]

Can anyone please direct me or send a link to T&C - 'working progress'.

I think it was started by GaryH.

 

Still looking for T&C for May 02 & Apr 07 for my bundle.

 

Thanks

[MimiJane]

jmn, I posted April 07 T&C's in the T&C thread ... post 7. See here :-

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/90733-l-terms-conditions.html

 

Dizzy Kate's post 9 gives Interest Rates and Charges for around May '02. Can't find the T&C's for this year, but if you use the archive link in the T&C thread somewhere, you may well be able to trace them.

[jmn]

jmn, I posted April 07 T&C's in the T&C thread ... post 7. See here :-

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/90733-l-terms-conditions.html

 

Dizzy Kate's post 9 gives Interest Rates and Charges for around May '02. Can't find the T&C's for this year, but if you use the archive link in the T&C thread somewhere, you may well be able to trace them.

Thanks Mimi, I looked at these before and could only see the ones for 07/07 on your link. Will these be good enough? I need April 07.

 

And, Dizzy's Int rates & charges are for Dec 02, whereas I need May 02.

 

I assume they have to be the ones relevant to my claim dates?

[MimiJane]

I included both T&C's and Interest Rates & Charges for my beginning and end years. You're unlikely to find any dated the exact month you want ... so I'd just go for the nearest you can find. Some years A&L seem to have updated their T&C's a number of time and other years maybe just the once:rolleyes:

[MimiJane]

jmn ... still looking for your T&C's to cover May '02 ... will report back. Yes, if you look at Dizzy Kate's Interest Rates & Charges link, it does cover May '02 if you look at the bottom of the page under "previous rates".

[jmn]

jmn ... still looking for your T&C's to cover May '02 ... will report back. Yes, if you look at Dizzy Kate's Interest Rates & Charges link, it does cover May '02 if you look at the bottom of the page under "previous rates".

Your gold plated you are Mimi....thank you

[MimiJane]

What I tend to do for ones that haven't been posted in the T&C thread is go to a post for Interest Rates and Charges that someone's posted that is round about the month/year you're looking for, put Terms and Conditions in the A&L search box at the top of the page (if there is one) and you can sometimes get to them this way. Just tried this for all the Charges links and can't see them anywhere:rolleyes: ... by all means try yourself. The nearest ones to the year you want seem to be April 2001 and July 2003, which have both been posted. Perhaps there are none for 2002

 

Personally, I'd include both the 2001 and 2003 ones and you should be fine. Perhaps make a note on your Index page to the effect that you could not find any T&C's for 2002.

 

Mimi

[jmn]

What I tend to do for ones that haven't been posted in the T&C thread is go to a post for Interest Rates and Charges that someone's posted that is round about the month/year you're looking for, put Terms and Conditions in the A&L search box at the top of the page (if there is one) and you can sometimes get to them this way. Just tried this for all the Charges links and can't see them anywhere:rolleyes: ... by all means try yourself. The nearest ones to the year you want seem to be April 2001 and July 2003, which have both been posted. Perhaps there are none for 2002

 

Personally, I'd include both the 2001 and 2003 ones and you should be fine. Perhaps make a note on your Index page to the effect that you could not find any T&C's for 2002.

 

Mimi

Thanks Mimi, will keep looking for May 02 but if all else fails I'l do what you say and just include the ones with the closest date.

 

Jmn

[jmn]

Just looking through A&L AQ that they have sent me, and in section C, where it ask's:

'Do you agree that the small claims track is the most suitable track for this claim?'

If NO, please say why.

 

There are then two boxes - one for YES and one for NO. They have checked the NO box but given no reason why.

 

Surely, this should be considered incomplete and struck out or returned to them to do the job properly!!!!!!

 

Any thoughts on this anyone? Could I have it struck out??

 

Thanks

Jmn

[jayco]

aq exactly the same for me, ticked no but no reason !

 

court date this Thursday, rang today and Susan Land is on holiday!, she must have taken your advice jmn !

[jmn]

hee hee, yes maybe.............or they're just earning thousands in bonues - all paid for by A&L no doubt, at our expense!

 

Will be thinking of you Thursday - keep cool and hold you head high!

 

Good luck x

[jayco]

thanks, just trying to get my copies of letters together and court bundle, as well as working out what to say in court ...

[jansus]

Just looking through A&L AQ that they have sent me, and in section C, where it ask's:

'Do you agree that the small claims track is the most suitable track for this claim?'

If NO, please say why.

 

There are then two boxes - one for YES and one for NO. They have checked the NO box but given no reason why.

 

Surely, this should be considered incomplete and struck out or returned to them to do the job properly!!!!!!

 

Any thoughts on this anyone? Could I have it struck out??

 

Thanks

Jmn

 

 

Not sure about strike out - but as small claims track is what you want -have you thought about asking the court about why they have not completed it properly - I suppose it depands how friendly they are - or how busy?

 

jan

[jmn]

Not sure about strike out - but as small claims track is what you want -have you thought about asking the court about why they have not completed it properly - I suppose it depands how friendly they are - or how busy?

 

jan

Certainly have thought about it. Surely as it is an official court document, it should be completely fully and efficiently! Wonder what the response would be if we, as claimants had left it half done!

[MimiJane]

Certainly have thought about it. Surely as it is an official court document, it should be completely fully and efficiently! Wonder what the response would be if we, as claimants had left it half done!

 

You're right of course but, unfortunately, the courts are "oh so powerful" and we have to tread carefully and not upset them.

 

I'd certainly give them a ring to see if someone can throw some light on this ... can't do any harm:rolleyes:

 

Best of luck

[jmn]

Hi, Called the court regarding the missing info on AQ from A&L.

 

Spoke to a clerk, who said.........

 

"As a clerk, I am not legally qualified to comment, but the judge will look at all paperwork associated with the claim and if he requires the missing information then he will insist on it". In a similar situation, where a court document was received incomplete, the judge insisted the information be supplied by close of office that day or the claim would be dismissed"

 

So that was it really. Not quite what I wanted to hear.

 

Jmn