Alliance & Leicester (merged)

nickbw_2

I used MCOL and put in the Address for A & L Internet Banking address:-

Alliance & Leicester
Personal Customer Service Centre
Bootle
Mersyside
GIR 0AA

the address wizzard then came up with:-

Alliance & Leicester PLC
BOOTLE:Sefton Metropolitan Borough
Town Hall
Lord Street
Southport
Merseyside
PR8 9SA
That was on 4 May 2007. Today I received the form back from the Northampton Court, "Please find your claim pack returned from the defendant's address by the Post Office as "unserved". It then gave explanation of how to reserve the claim form. So I have lost almost three weeks, even before I fill in the correct address and return the paperwork to the court. The correct address is
A&L
Bootle
Merseyside
GIR 0AA or Head Office A & L plc Registered Office Carlton Park Narborough Leicester LE19 0AA

MimiJane

Kazza76 wrote: »

Hi Mimijane

I was just having a look thro the threads and noticed ur still waiting, im surprised u still not got anywhere yet, how long you got to wait now

Karen x

I'm still waiting for a court date, but should get one through in the next week. A&L hold out 'til the last minute, so I expect a lot of work to be done yet with court bundle, etc. being requested by the court before I get anywhere:rolleyes:

MimiJane

kelly's_skint wrote: »

Hi, when I decline thier offer do you think I should send the cheque back or tell them I will keep it in my possesion and use it as a part payment once the claim has been resolved? Any ideas???

On the whole, it's recommended that, once you start court proceedings, you should return the cheque and hold out for the full amount. If you've not started proceedings, you're probably better to bank the cheque and tell A&L you're pursuing the remainder through the courts.

Hants_Guy

Applied under SAR (DPA request) and received statements within 28 days, sent 1st letter and got stock reply next day and now waiting on reply to 2nd letter claiming £2400. They have not made it easy as they way they charge for going O/D changes tme and again, so I have persisted and claimed the whole lot.

Has anyone got any advice on dealing with Alliance and Leicester as I can see them being awkward especially in light of HSBC winning a court case the other day for a similar amount.

Hants_Guy

One other thing..Can someone tell me what MCOL is, as Im seeing it everywhere and want to be prepared when I get my paltry offer from A & L. Thanks

dj9928

MimiJane wrote: »

I'm still waiting for a court date, but should get one through in the next week. A&L hold out 'til the last minute, so I expect a lot of work to be done yet with court bundle, etc. being requested by the court before I get anywhere:rolleyes:

When I got my court date all I was asked to bring was a list of charges, Didn't even have to fill in an AQ

antopark

Just had my letter of acknowledgement from Wragge and Co and surprise surprise an I also recieved an offer letter from A&L including a cheque for £1800 against my claim for £6400. I quickly cut up the cheque to avoid temptation (tough thing to do!) and am about to return it to them. I want to enclose a letter making a settlement offer based on their '£12' true cost arguement but using a more realistic figure, partly to seem reasonable and partly to induce a quick payout and avoid court. I know the money programme estimated between £2.50 and £4.50 and I have read of one case where the judge asked for an estimate from the plaintif when the bank didn't show and he accepted their suggestion of £4.50. So should I go for £4.50 off the original charge and then add interest as normal or is there another evidence based amount that I could use, hopefully a lower one?
Thanks.

arkwright2

MimiJane wrote: »

I've no idea I'm afraid, but it's all very interesting:rolleyes: Please keep us informed and hope you get your money soon.

:j Thought I would share my joy with you that I received a letter from Liverpool County Court saying A&L Commercial Bank have paid the sum due to me - the full claim of £3134.64 (£2307 bank charges, £652.64 interest, £175 court fees). Under the Insolvency Act 1986, the court has to keep the money for 14 days, but I don't think anything can go wrong now, can it? (Apart from A&L writing to say they don't want me as a customer anymore, which I shall dispute if it comes to that).

I'm rather fortunate that my case slipped through their nets and they filed their intention to defend a day too late I'm not sure if using A&L's Bootle address helped in delaying their legal team, which I think is in Leicester, getting enough time to put in their defence, but it may have been a factor.

Good luck to all you who haven't had it as straightforward as me.

leighjo

Hi, can anyone tell me whether this is true or not? My mother told me today that she had heard on the radio that a Judge has ruled that bank charges ARE lawful and therefore customers are unable to reclaim them??????

arkwright2

Hants_Guy wrote: »

One other thing..Can someone tell me what MCOL is, as Im seeing it everywhere and want to be prepared when I get my paltry offer from A & L. Thanks

MCOL = Money Claim Online, the internet arm of the Small Claims Court. Seems to be the easiest way to take the banks to court.

https://www.moneyclaim.gov.uk