Alliance & Leicester (merged)

GarethR

titsalina wrote: »

Hi,

We are currently going through the process of trying to claim back approx £8,000, in charges, on 3 A & L accounts.

Can anyone please confirm are PAID ITEM CHARGES, the same as Paid Refferal Fee, if not can we still claim them.

Also Whilst going through the process, we have had additional charges applied, can we increae our claim as we go along, or do we have to start again...!!

Many thanks & I look forward to your response.

Hi I would say a 'Paid Item Fee' is something that they have charged you for paying a particular item, for example you write a cheque for £10 but only have £5 in the account, they pay the £10 but then charge you a 'Paid Item Fee'? Maybe give them a ring & ask them to clarify what it is, or just go in the branch & put them on the spot as for the other you can add the charges right up until you file it with the courts, if you already have you can amend the figure for a fee of £35 I think but you may ahve to ring to confirm that with them.

Another thought, it may be worthwhile splitting your £8k down into either 2 or 3 claims to get it under the £5k for the small claims, unless of course your going for the biggy

:beer:

grounded101

ljones60 wrote: »

hi.

I'm reposting this as i need help on what to do now and i didn't get any responses from the last post.

I received a letter from my local court earlier this week stating that the case was being transferred to Cardiff County Court.

the letter states:

upon the courts own motion. The Court has made this order of its own initiative without a hearing. if you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it.

IT IS ORDERED THAT

1. Directions will be given in this case by the Designated Civil Judge, His Honor Judge XXXXXXXXXX, on the 14th August 2007 at 10:30am at Cardiff Civil Justice Centre.

2. The parties may appear in person or make written representations as to how the case should proceed provided a copy of the representations is sent to the Court and the other side at least 7 working days prior to the hearing.

Could someone please help me as i don't really understand what this is saying.

Do i need to submit the court bundles to the court and Wragge & Co?

any help gratefully received.

L Jones

Hi ljones, I'm at exactly the same place as you, I even have the same court date at the same time and the same place after it was transfered from my local court! I'm going to see my solicitor tomorrow for some advice as even though all the help here is abundant and wonderful I'm just not that confident with getting all my papers in order. I'll come back and let you know what he said, it may be of some help to some but in a brief chat on the phone last week he said that I'd be allowed to make a written representation and not attend because it was transfered from my local court to Cardiff.

eyeball0001

Go mimi! I didnt realise you were going for judgement - thats great!

MimiJane

eyeball0001 wrote: »

Go mimi! I didnt realise you were going for judgement - thats great!

Cheers eyeball. Trying not to get too excited though as, apparently, it's quite common for judges to make another Order, so we'll see ....

coops024

Sorry for reposting

Just wondered if anyone knew the answers to my questions

I have rec'd a letter from Wraggle saying :

We enclose a copy of our client's Defence by way of service upon you.

Does this mean that they are going to counter claim ?

Also the letter came from the Northampton Court .. Will this automaticly be changed to my local Court or do I need to request it ?

Please help

Thanks in advance !

mercurystar999

I received an from A&L today, £83.50! I'm claiming £287 they have said that that the amount offered is the monies over and above the £12 agreed with the oft for credit card defaults. Now where do i go from here is there another letter to write now? Where next please?

cre8toruk

Got in today to find the court has sent me a questionaire to fill out.
It has to be back by the 23rd July so I'm guessing I'll get a date sometime after that.

I know the name of the Judge too. Alliance & Leicester have entered a defence, which says things like, their charges aren't penalty's or fines and that they're in accordance with their t's & c's etc etc...all on official solitor type paper etc..etc.

I'm still hoping they will give it one final push and offer me £1,000 which is what I'd be prepared to accept. So far I have only had two offers and they were very early on in the process, one for £244 and another for £444. Since then nothing.

They've "threatened" that even if they lose they'll simply remove my £1,400 overdraft to cover the cost. I don't particularly mind that, but wondered if they were actually allowed to do that since, I've operated my overdraft in accordance with their T's and C's etc...

If the worst should happen and I have to go to court, do I have to appoint a solicitor to represent me or is it something I can do myself ? How much help would an individual get in court ?

Cre8.

Smashbutt

Hi all

My court case is next wed 11th.

Wragge & co have not sent anything to me or to the court.

So fingers crossed.....I will call Wragge on Monday, let you know what happens!!

Steve

cre8toruk

Hi all,

got a questionaire through the post today from the court.
I'm a bit lost with all of this really. Should I be contacting Wragge / writing to Alliance & Leicester and trying to negotiate or is it up to them to contact me ?

If I eventually do have to go to court, what do I need to take with me what do I have to do....?

How do I get access to the fighting fund and so on and so on....

HELP !

Cre8.

xlesleyann

If it does get to court you can represent yourself if you wish. Either that if you go to

http://www.consumeractiongroup.co.uk/forum/

They have a buddy search system where you can find someone in your local area who will attend on your behalf if you dont feel confident enough to do it yourself.