Alliance & Leicester (merged)

vikinggeoff

1st May wrte to A & L asking for 300-00 or would take them to court within 14 days, had reply 3 days later saying they would give full response ASAP, waited 3 weeks and made claim with money on line on the 21st , receivied letter dated 22nd stating still looking into claim,then one dated 23rd offering 62-00 in full and final settlement , then one dated 24th acknowledging claim in County Court and same day one from the Court with A & L saying they intend to defend all the claim, Finally one dated 29th saying they have decided in this instance to settle the claim and enclosed a cheque dated the 25th for the full amount.
With this as the final paragraph
"As it is clear that you do not accept the terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation"

SandyC_3

MimiJane wrote: »

There were 2 due around this time in Northern Ireland, but they've been delayed 'until next month I believe ... these are probably the ones you're thinking of. I'm sure we'd have heard if anyone has already been to/approached going to court.

Someone who posts on the CAG forum has a preliminary hearing tomorrow ... it'll be interesting to hear if Wragge actually turn up or send a letter to the court.

could be interesting

pjness

When do I have to submit my bundle, I have sent off my allocation questioner should I have included my bundle at this stage?

MimiJane

pjness wrote: »

When do I have to submit my bundle, I have sent off my allocation questioner should I have included my bundle at this stage?

No you're fine, you don't have to submit anything at this stage. When your local court write to you re. a hearing date, they'll give you "Directions", i.e. certain documents you have to submit within a given number of days. This will normally comprise of a Statement of Evidence or Witness Statement with supporting documentation (i.e. copies of all correspondence and legal papers), which will form your Court Bundle. All legal documents can be printed off from the CAG site.

For now, just keep all correspondence you've sent and received re. your case in date order, together with your bank statements (the ones with charges on). Make sure the charges are marked with an asterisk at the side as highlighted areas don't always copy.

Hope this helps and keep us informed.

iamstacie

I've sent two standard letters and recieved two standard replies from A&L, now I want to know is it time for MCOL, or do I give it one last try, wording the letter myself explaining how A&L, deliberately it would seem, caused the vast majority of the charges by starting a SO 1 month before I told them too (gave plenty of notice) not cancelling a SO when asked, twice, and because of all the snow-balling charges and me only getting paid £140 a week I could never catch up.

Basically, is it worth a try writing another letter explaining all the above, or should I just go the MCOL way? Only prob with that is if I bring all the up in court will they not have expected me to have at least told the bank about it?

Thanks,
Stacie

melissa'smoney

iamstacie wrote: »

I've sent two standard letters and recieved two standard replies from A&L, now I want to know is it time for MCOL, or do I give it one last try, wording the letter myself explaining how A&L, deliberately it would seem, caused the vast majority of the charges by starting a SO 1 month before I told them too (gave plenty of notice) not cancelling a SO when asked, twice, and because of all the snow-balling charges and me only getting paid £140 a week I could never catch up.

Basically, is it worth a try writing another letter explaining all the above, or should I just go the MCOL way? Only prob with that is if I bring all the up in court will they not have expected me to have at least told the bank about it?

Thanks,
Stacie

I've had no luck whatso ever with A&L. I've had standard replies each time from them. I've phoned to talk to them before i go to MCOL but they wern't budging and told me they were lawful etc etc.....
I've gone straight to MCOL with them and filed 30/5/07....

It's up to you what you do but i wouldn't bother trying as it seems they are not willing to even negotiate.....as long as you've followed the MSE steps then you should go to MCOL....

Hope that helps xx

MimiJane

iamstacie wrote: »

I've sent two standard letters and recieved two standard replies from A&L, now I want to know is it time for MCOL, or do I give it one last try, wording the letter myself explaining how A&L, deliberately it would seem, caused the vast majority of the charges by starting a SO 1 month before I told them too (gave plenty of notice) not cancelling a SO when asked, twice, and because of all the snow-balling charges and me only getting paid £140 a week I could never catch up.

Basically, is it worth a try writing another letter explaining all the above, or should I just go the MCOL way? Only prob with that is if I bring all the up in court will they not have expected me to have at least told the bank about it?

Thanks,
Stacie

A&L seem to be letting everyone get to court stage now (certainly for amounts over £500), so if you've sent your two letters asking for your charges back, it's probably not worth trying again, but it's up to you of course.

You can start court proceedings 28 days after the first letter requesting a refund of your charges.

bankers

I have followed all martins advice and carried out all letters and eventually mcol. I recieved letter saying a&l are going to defend same day they offered me £340 when im claiming £1400.I declined offer and returned cheque.I then recieved wragges 26 point defence.This morning i recieved a "transfer of proceedings " saying the claim has been transfered to my local court.With it was the 26 point defence from wragges.Thats all i know.does anyone know what happens now? Is this normal for A&L? Any help would be much appreciatd.

jonoefc1

bankers wrote: »

I have followed all martins advice and carried out all letters and eventually mcol. I recieved letter saying a&l are going to defend same day they offered me £340 when im claiming £1400.I declined offer and returned cheque.I then recieved wragges 26 point defence.This morning i recieved a "transfer of proceedings " saying the claim has been transfered to my local court.With it was the 26 point defence from wragges.Thats all i know.does anyone know what happens now? Is this normal for A&L? Any help would be much appreciatd.

i am at the same stage as you(bankers) recieved notice of transfer to liverpool cc with their defence today im claiming 4k+ there are many in a more advanced stage on this forum and the cag site,the next move will be a court date.

MimiJane

bankers wrote: »

I have followed all martins advice and carried out all letters and eventually mcol. I recieved letter saying a&l are going to defend same day they offered me £340 when im claiming £1400.I declined offer and returned cheque.I then recieved wragges 26 point defence.This morning i recieved a "transfer of proceedings " saying the claim has been transfered to my local court.With it was the 26 point defence from wragges.Thats all i know.does anyone know what happens now? Is this normal for A&L? Any help would be much appreciatd.

Have a good read through this thread and it will tell you everything you need to know.

Basically, you need to send Wragge your charges schedule "to clarify your claim" and mention you've already sent this to A&L, then sit back and wait for a court hearing date and and Order from the judge, which will tell you exactly what you need to prepare for court. You'll need to put together a court bundle at this stage.

See this link, which explains the procedure and gives you other links, one of them is to the court bundle :

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523

By the way, the defence will be "standard" as is everything from A&L, i.e. we've all got the same!

Hope this helps.