Kay against Alliance & Leicester***WON** POST OFT

[squarebob]

This thread is getting very clinical?

A&L or Wragge's are like drowning men clutching at straws. The A&L took our money, the law is 'plain and simple' and yet they want a judge to find in their favour! Just give us back our money NOW not in two years or however long you want to drag things out for. A&L must be paying Wragge's one hell of a large retainer for them to wriggle and squirm so much.

Look at the judge etc as a person(s) with no clothes on, always works for me.

Good Luck Kay

Squarebob xxx

[jansus]

Thinking of you Kay

 

 

Waiting for your next post

 

 

Jan

[dewhit20]

:o

 

I CAN'T BELIEVE IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

As soon as I arrived at court (1/2 hour before time) The usher told me the judge was in a "foul mood". Then a lady introduced herself as the "agent" for Wragge & Co. They want to SETTLE! For £2023. (without interest) - and that they would send the cheque within 28 days.

 

A delemma or what?! I was confident of a win, I had done all the work, but this was about Staying the case.

 

So after 10 minutes of diliberation with my partner, I said yes, if they would also pay back the court fees/allocation fees and £100 for my time, within 14 days. She went away to call Wragges and came back one minute before we were due in court and said they would settle for

£ 2,243 ( In all just £200 less than I was claiming anyway!!!!!) I reluctanly agreed - Acting ofcourse!!

 

As soon as I got out into the fresh air, I cried with happiness and relief!!!

 

A Massive thank you to this site, especially to Jansus, Mimi, Alice, Squarebob and everybody else that gave me the courage to carry on!!!!

:)

I still cant believe they settled so far down track. They must have had a good chance of staying the case.. but didnt even try in the end.

Hope this gives confidence to all others who like me, were expecting months and months of waiting, until after the Test Case.

LOVE KAY XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX!

[alice-rose]

Absolutely THRILLED for you Kay

 

Wonderful Wonderful Wonderful News

 

with love and hugs

 

 

Alice in Wonderful land xxxxx

[jansus]

FANTASTIC:lol:

ANOTHER WIN !!!!!!!!!!!!

 

I am so pleased for you

 

Especially with the judge being in a foul mood- but that might have been with the banks and not you.

 

 

But this is a great win

 

WELL DONE

 

You deserve it for all your hard work

 

 

 

what a day of ups and downs- firstly my daughter gets her AS level exams

 

Two Cs - great pleased for her

and then two ungraded- not happy

come in to find a letter from court - they will consider my appeal against stay - great

I still have to go to court on 28th- not so great like you I am not sure how prepared to be

And then I read your news- Great - I might get the same reaction from Wragges:D :D

 

Were there any other cases with you today? do you know how they went?

 

 

CONGRATULATIONS AGAIN:D

[jansus]

p.s did you have to go in and see the judge to tell him???

 

 

jan

 

WIN WIN WIN WIN!!!!!!!!

[chubbas dad]

[dewhit20]

Thanks comrades!

No I didnt see the judge. We told the usher, and he came back to tell me the case was vacated on settlement. I pushed Miss Patel (the agent) for confirmation in writing, and she said that she hadnt the authority to do this, but assured me it was lodged with the court and that Laura Billinsom from Wragges had confirmed to her that it was settled and that they will pay me the cheque within 14 days.

I will call them tomorrow to verify.

It appeared from the listings that I was the only one there against "Aliens and Leeches". I talked to another couple there who were awaiting their turn against the Halifax. I felt so sorry for them, they werent prepared at all. She just had a slip of paper with her hand written notes on, and the Halifax were being represented by a Barrister!!!! I would have loved to know how they got on.

Well, I'm off to a celebratory dinner tonight.

I AM SO HAPPY TODAY!!!

Love KayX

[sea-sidelady]

CONGRATULATIONS...!!!

 

I am really pleased for you. So you didnt need the information in the end.

[dewhit20]

Thanks for your messages SSL. No I didnt need the list of cases won since the OFT announcement, but it added to my confidence... and I shall be added on there now wont I? He He He!!!!!

I tried to complete the survey but it wont let me "select a bank". Clicked your scales though!!!!

Cheers KX

[MimiJane]

BRILLIANT NEWS KAY

 

Just goes to show that perseverence is everything ... you get there in the end.

Very well done ... I'm delighted for you!

Mimi xxx

[squarebob]

Congratulations Kay. Don't Wragge's want their necks wringing for putting you through the mangle.

 

Squarebob xxx

[jansus]

Here is the message that has just been posted:

***************

Judge Harris at Redditch County Court granted a stay for Halifax today who had not even submitted a court bundle and sent a barrister from London.He would not allow me to speak as a McKenzie friend ,even though I was submitted as one in a letter with the AQ (so my pal was totally flumuxed). I submitted a bosting 4 page letter against the guessed it would happen stay,it was as though he had never read it.He hates bank cases and this the second time I have unfortunately had the displeasure of meeting him. He is the most rude,arrogant,buffoon I have ever met,yet other judges there are very fair. Cased stayed to submission after 28th February 2008

Leech

 

***************

 

Kay look how lucky you were:D

 

found this about the halifax case.

 

Phew so glad you WON WON WON

[dewhit20]

WOW! Where did you get that info?? You're brilliant. I am so glad I didnt have to face that horrible judge. Yes, I realise how very lucky I was!

But how very sad for the couple I met. I even felt like giving them all my stuff, but knew it was too late by then.

Fancy Halifax sending a barrister. Awful. My first claim was against Halifax back in February, and they sent me a cheque for my full claim of £576. after the very first request letter!

So its got nasty now hasnt it?

I would say that my last letter to Wragges and the court objecting to the stay (posted here previously), may have been a deciding factor in them settling. They knew I meant business!!!!

I do hope I will be able to help others with my experiences.

Love Kay X

[bsia666]

Well done kay!!!

[vincymum]

Good one!!! Congratulations and well done Kay. :D :D :D

[dewhit20]

RECEIVED MY CHEQUE THIS MORNING!!!!

"Dear Madam,

Yourself -v- Alliance & Leicester plc

Claim Number XXXXXX

Further to your attendance at Redditch County Court on 16 August 2007, we enclose herewith a cheque for the sum of £2243.00 in full and final settlement.

Yours faithfully

Wragge & Co"

No explanation of why they decided to pay up, or why they took me to the door of the court. The banks have such a lot to answer for, and am sure they will be made to answer one day.

Still, I am so Happy now its really all over!!

I'm off to treat myself in the Sales!!

Love KayX

[sea-sidelady]

I'm off to treat myself in the Sales!!

Love KayX

 

Have fun....!!!! :D

[MimiJane]

So pleased for you Kay ... Congratulations

 

That's you and Janus in the last couple of days ... wonderful news!

Don't spend it all at once!

Mimi x

[bsia666]

Sorry Kay in advance about hijacking your happy ending but......................

 

If the bloomin judges would let the claims be heard, Wragge & Co would be making offers to all the A&L claimants, it does make me mad that a proper resolution to the reclaiming process has been cicumvented by the OFT:evil:

 

"Office of Fair Trading" dont think so!!!. What an absolute shambles they have made of our claims

 

RANT FINISHED:evil:

 

William.

 

PS have a nice day spending Your funds :)

[jansus]

Quite agree- I think that reading the OFT full agreement it is like "I will take you to court - but you must agree to come with me and hold my hand" ???

 

What sort of case is it when you have a full blown written agreement before you even go to court?!!

 

If ,and it is a big If ,the result is positive then I agree it will be fairer for everybody as people who are too frightened by the bully boy tactics of taking each case right to the line and then paying up- will be included in the process - which is only fair.

 

In the mean-time - all we are asking, is that those who have had to get to the court stage and filed their cases should be heard- all other cases in the mean-time could be sent via FOS and stay on file.But that should be reviewed on a regular basis.

 

It seems from the OFT statement that they think that if the banks are forced to appear - which is what the Merchantile court insisted - a ruling would be made without the full facts?? - so what is going to be different about the case in 2008 - what facts will be known then that are not known by the banks now? Why can a court deal with it then but not before?

 

That seems to me to be the reason that some banks(not A&L) are employing expensive barristers to argue for the stays - when they could not even be bothered to appear before. Doesnt something smell a bit fishy here?

 

Kay you should be in the successes section? Or is it just that you are still waiting for your money? I was told 28 days.

 

Jan

[dewhit20]

So agree William and Jan, There is a real storm brewing now, with the absurdity of the current situation..

Read this: -

 

BBC Money Programme looking for claimants

The BBC Money Programme is making a film about bank charges.

We're investigating the current situation between the banks and the OFT examining at how it effects those still hoping to claim.

We'd like to hear your stories. Are you going to court in the next few weeks to claim back bank charges?

 

Do you know if your case will be heard or not?

Since the ruling on the 28th July have you had your case heard or been offered a settlement?

 

Would you be willing to speak to the BBC about your situation?

We'd like to film with someone currently in the process of trying to claim back their penalty charges.

 

We'd also like to hear from people who feel they've experienced intimidating behaviour from their bank after submitting a claim.

 

 

If any of the above apply to you and your willing to share your story, please contact

 

[email protected]

 

Love KX

P.S. Yes I have received money today so should be in "Successes" like you!

[sea-sidelady]

You have been moved...

[dewhit20]

:D Thanks again Sea-side Lady :D

Couldnt have gone through this hell without the wonderful support of this site. Survey and Donation done!

[dewhit20]

Hi all,

Call me greedy, but I wanted more from A+L, so applied for Wasted Costs totalling a conservative estimate of £248.14. on Aug 25th.

I then received a General Form of Judgement from the courts dated Aug 28th stating that "the hearing on 16/8 be vacated with no further order"

Then Wragges wrote stating that the cheque I had received from them was "in full and final settlement and therefore the matter is now concluded."

So is that it? Any advise please.

Cheers

Kay X