Alliance & Leicester (merged)

dj9928

leighjo wrote: »

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??????

Its wrong, I guy lost in court, this wasn't supposed to effect other courts or hearings, but the next day all small claims against banks where suspended in Northern Ireland. If your in England,Scotland,Wales your ok

dj9928

arkwright2 wrote: »

: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.

Well done, your the first in quite a while who has had it as straight forward as this. I can honestly say A+L are the worst to try and claim from

arkwright2

leighjo wrote: »

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??????

Total tosh! One sympathetic judge has found in favour of Lloyds TSB as opposed to thousands of cases decided in the claimant's favour. The particular unlucky claimant seems to have not prepared himself fully to defend his case in court. I hope he appeals. All the advice I've read from experts since that case is: carry on claiming, but prepare yourself fully if you're going to court.

Edinburghlass_2

antopark wrote: »

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.

As the interest is only something that is awarded by the court be aware that in any offer any bank make it won't be included.

pjness

I am in the final stages with Alliance & Leicester and they are defending the case just waiting for a court date im thinking of getting a solicitor to fight my case any help would be appreciated

dj9928

arkwright2 wrote: »

Total tosh! One sympathetic judge has found in favour of Lloyds TSB as opposed to thousands of cases decided in the claimant's favour. The particular unlucky claimant seems to have not prepared himself fully to defend his case in court. I hope he appeals. All the advice I've read from experts since that case is: carry on claiming, but prepare yourself fully if you're going to court.

If N.I is suspended its only a matter of time before Judges in England also get !!!!ed of and do the same there, I reckon its down to the messing around the banks are doing

dj9928

pjness wrote: »

I am in the final stages with Alliance & Leicester and they are defending the case just waiting for a court date im thinking of getting a solicitor to fight my case any help would be appreciated

You don't need one, 90% chance they wont even turn up

dj9928

A BBC news reporter has been in contact looking to do a story on my A+L claim and the way it was suspended etc here in Northern Ireland, should I or shouldn't I? I mean could it affect my claim in any way?

spotty_dog_4

Hi, my son had a letter from A&L in Feb.,telling him the unfair charges only apply to credit card companies and not banks. I see from some of the posts here they may be `fibbing`? Surely not lol
Is it really worth him carrying on? If so, they have a fight on their hands!!!!:wave:

ernestine

yes they are palming us off I had the same complaint leaflet,i believe they are trying to confuse us . havent worked for them this time though, no reply 2 morrow and straight on money claim to send them to court,dont worry there are plenty of us doing it im really nervous about it all but if we all stand up to them and stay united hopefully we will win the day