Alliance & Leicester (merged)

bengal-stripe

jojo144 wrote: »

......continued with the court case and won.

In general: people using purple type will loose their case, as nobody can read their correspondence (it's like invisible ink).

Those with straight-forward black type will win.

MimiJane

jojo144 wrote: »

Hi - this is the first time I have been on to the forum part of the site and cant post my own message so I hope someone can advise me over my problem which is similar to the writer of the initial query. Over the past few months I have been pursuing the Alliance and Leicester for my charges. Usual standard letters received so on 21st May Issued a claim through the courts for £1683.09 (interested added). Yesterday Friday 8th June had a letter from a firm of solicitors advising me they are acting for A & L defending the claim.
This morning I have received a cheque for £429 (includes £120 court costs) from A & L. They say that this cheque is in full and final payment and they go on to say if I dont want to accept then return cheque to them. Finally saying I do not have a rasonable cause of action against them and I do not have a reasonable prospect of succeeding in any claim.

What I want to know is has anyone else had a letter like this and returned the cheque and continued with the court case and won.

Many thanks to anyone who can offer help or advice

There's a long thread on A&L further down the forum ... we've all been through the scenario of returning cheques and many of us have been given court dates. Your post will probably be moved to the appropriate thread soon but, if not, check it out and you'll find loads of advice there.

sixxdog_UK

Hi All,

Well after much faffing about and trying to come to a reasonable solution with the A&L via wragge's and leaving it till the 11th Hour for AQ submitting.

I didnt have to pay the £100 AQ fee tho , if your on income support or WFT credit , you use a ex160 form and submit this instead of the fee.

Make sure you have a up-to-date award letter and a copy of a recent bank statement highlighting your most recent payment.

I've had enuff of messing about with the bank.

Just going to wait for the court date now unless they come back with a decent offer.

Also arranging ex A&L employee to give evidence and exploring the possibility of bringing in other witness statements.

Quick question for ya all.
In a UK civil case such as this , can a claimant order a witness to appear on the strength that they have vital evidence , even if they don't want to?
I think it is possible , gonna have to get some more advice on that one and get back to ya all.

No way im letting them get away with offering me , about 10% of what ive claimed.

anyway......

Goodluck guys, who's up first now? any one actually got a firm date yet?

Seyyaz,

Sixx:eek:

sixxdog_UK

Hi All ,

OK., all is going well , but i need a 2002 t&C , anyone who has one please pm me and we can exchange email's

Many Thanks,

sixx:rolleyes:

sixxdog_UK

Hiyaz Mim'z

You got a date yet hun?

Sixx:beer:

sixxdog_UK

PINK TEXT!

In general: people using purple type will loose their case, as nobody can read their correspondence (it's like invisible ink).

Those with straight-forward black type will win.

LOL

Depends if the judge likes a a bit pink , who knows

Sixx

mouse156

Hi helpful A&L fighters

I'm getting myself all confused.

I filled my claim on Money Claim and was shocked at how quick I recieved a letter from Wragge & Co that A&L are defending.

What do I need to do now? Should I be sending something back to them? If so what? Also it say's 'in the Northhampton County Court', am I being thick, does this mean I'll have to go up to Northhampton for it?

I to like others recieved a cheque just a few days after I had my letter from Wragge & Co, should I really bank it and then keep claiming? How does it work and where are the templates for continuing in such a way?

Whoever can help, thank you so much in advance!!!

MimiJane

mouse156 wrote: »

Hi helpful A&L fighters

I'm getting myself all confused.

I filled my claim on Money Claim and was shocked at how quick I recieved a letter from Wragge & Co that A&L are defending.

What do I need to do now? Should I be sending something back to them? If so what? Also it say's 'in the Northhampton County Court', am I being thick, does this mean I'll have to go up to Northhampton for it?

I to like others recieved a cheque just a few days after I had my letter from Wragge & Co, should I really bank it and then keep claiming? How does it work and where are the templates for continuing in such a way?

Whoever can help, thank you so much in advance!!!

Stop panicking .. you're doing fine

You won't go to Northampton, proceedings will be transerred to your local court and you'll soon be notified of this.

Just wait for the defence to arrive shortly. Read through it and if they say you have not "particularised" your claim, send them your charges schedule, state that you've already sent this to A&L and the court (if you haven't, do so now) and you hope this clarifies your claim. Then sit back and wait for a court date and judge's directions from your local court.

Did you receive a cheque after you'd started proceedings with MCOL? If yes, rip it in half and send it back with a covering letter like the following and enclose a further copy of your charges schedule :-

Response to Settlement Offer - Account No. .............

Thank you for your letter dated ........... I respectfully decline your offer of full and final settlement and return the cheque for .........which you supplied in respect of that offer.

You may not have been aware that I have commenced legal action against you for the full amount plus interest and costs on ...............and I would ask that you now refer this matter to your legal department for further instruction.

For your information, I enclose a detailed list of bank charges, plus 8% statutory interest, for which I am claiming.

I trust this clarifies my position.



Send everything out Recorded Delivery from now on, as A&L/Wragge have a habit of saying they've not received letters. Come back here when you need help.

Hope this helps

happydappy

jojo144 wrote: »

Hi - this is the first time I have been on to the forum part of the site and cant post my own message so I hope someone can advise me over my problem which is similar to the writer of the initial query. Over the past few months I have been pursuing the Alliance and Leicester for my charges. Usual standard letters received so on 21st May Issued a claim through the courts for £1683.09 (interested added). Yesterday Friday 8th June had a letter from a firm of solicitors advising me they are acting for A & L defending the claim.
This morning I have received a cheque for £429 (includes £120 court costs) from A & L. They say that this cheque is in full and final payment and they go on to say if I dont want to accept then return cheque to them. Finally saying I do not have a rasonable cause of action against them and I do not have a reasonable prospect of succeeding in any claim.

What I want to know is has anyone else had a letter like this and returned the cheque and continued with the court case and won.

Many thanks to anyone who can offer help or advice

hi this is my first time too and yes i have recived same letter from wraggs also a unreasonable offer i sent it back and i am still persuing my claim what have we too loose now ,i am a bit unclear as to what happens now any help please xxx

MimiJane

happydappy wrote: »

hi this is my first time too and yes i have recived same letter from wraggs also a unreasonable offer i sent it back and i am still persuing my claim what have we too loose now ,i am a bit unclear as to what happens now any help please xxx

See my previous post