Alliance & Leicester (merged)

melissa'smoney

MimiJane wrote: »

If you need to do anything, the letter will tell you. What exactly does it say?

says notice of allocation to small claims track (hearing) at the top

"each party shall deliver to every other party and the court office copies of all documents on which he intends to rely on at the hearing no later than 14 dyas before the hearing

then about bringing original documents

then about signed documents setting out evidence

thats about it??

xx

daveybuh

ljones60 wrote: »

Thanks for that. It would be great if you would let me know what was said.

cheers.

L jones

Hello LJones60 and grounded101

I have exactly the same letter at exactly the same time - August 14th 10.30am. - There must be a few of us as Ive also found a few on the CAG website.

I am claiming £1125 on behalf of my partner, what are you claiming?

I have 2 friends in the legal business and have explained what the letter entails. Ive quoted the response.

Don't worry its not a trial, it is just a short hearing where the parties (ie Kath and the bank) get a chance to say how they want the case to proceed. The judge will just give you instructions of what to do and by when - such as what evidence he wants from both parties (bank statements or overdraft agreement etc) and a date will be set for when the case will be heard fully and where. No indication will be given of what the judge thinks at this point or whose favour, its really a matter of setting a date in the diary for a full hearing and for the judge to tell you what he wants you to bring with you etc.
The bank will probably send you something shortly before the hearing detailing what orders they want the judge to make. These are basically like requests put to the judge, he doesnt have to agree to them. For now I would just wait and see what orders the bank intend to ask the judge to make. You may find that closer to the date they will make you a revised offer.


Please see http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html which gives excellent info on what should be sent to court to influence the judge to raise directions in your favour.


Sorry for the long response but Ive done a lot of research on this and wont be backing down.

Daveybuh

MimiJane

melissa'smoney wrote: »

says notice of allocation to small claims track (hearing) at the top

"each party shall deliver to every other party and the court office copies of all documents on which he intends to rely on at the hearing no later than 14 dyas before the hearing

then about bringing original documents

then about signed documents setting out evidence

thats about it??

xx

I can't help unless you state the exact wording, i.e. what signed documents setting out evidence? Statement of Evidence or Witness Statement or some other document? It could any number ...

nougat

:eek: I have sent my letters off to alliance & leicester, i used the templates letters which asks for repayment of all default charges totalling £3021. A & L have now replied saying that OFT is reviewing the issue of current account charges. they are saying that the term "default charges" does not apply to other types of fee. (i have been charged paid item & unauthorised overdraft fees as well as unpaid cheques & direct debit fees)

they are offering me £592.50 which is the difference between the amount of charges for unpaid items actually applied and if £12 had been charged! no mention of charges for paid items over limit charges etc. I am not prepared to accept this which letter should i send as a a reply? just a no i am not accepting this or what? help please

pobby69

arkhoose wrote: »

Well... was I relieved to read that someone else has got the exact same letter and being offered the exact same amount... £66 ... as me, I was recommended to continue after I had politely declined their offer (even the date to respond was the same as me).. and since I have received a letter telling me that I am entitled to absolutely nothing as my charges were incurred on a current account, and their charges are clearly laid down...

I posted a note the other day hoping that someone would get back to me advising me of the next move, but as yet nobody has... I am feeling like giving up, I am chasing for £577.. but wonder if its worth the hassle, the thought of court terrifies me!
Continue with the battle... don't let these folk off with this, after all they were quick enough in taking it off us...

arkhoose

At least I'm not in this alone then!! I will look around for a letter template, there may be one on the CAG site, and will let you know if I find one.

I'm not too keen on going to court either but I want to carry on, will probably accept a settlement if they come back with something more reasonable but will see what happens.

Will post link to template if I can fidn one.

Good luck!

System

Hi Everyone.

I am currently pursuing A&L over the sum total of £65 for a bounced cheque that they bounced because I was £8 short!

I recieved a reply from them (I've already been through it with several banks and won) but I got a letter from them stating that the fees were all fair, and that as per C.A.G letter for preliminary repayment that mentions the OFT and fees, that this refered to CC Charges, not bank charges.

In the hope of getting this sorted a tad more efficiently after the letter I rang and spoke to a manger who wouldnt have been any more to the point if she has said f off!

So shall I just go ahead and file on MCOL or is it worth persisting with a second letter, even though it will have no effect.

I guess its them that will have the foot the £100+ mcol fee!

LozBingley

13000 wrote: »

Hi Everyone.

I am currently pursuing A&L over the sum total of £65 for a bounced cheque that they bounced because I was £8 short!

I recieved a reply from them (I've already been through it with several banks and won) but I got a letter from them stating that the fees were all fair, and that as per C.A.G letter for preliminary repayment that mentions the OFT and fees, that this refered to CC Charges, not bank charges.

In the hope of getting this sorted a tad more efficiently after the letter I rang and spoke to a manger who wouldnt have been any more to the point if she has said f off!

So shall I just go ahead and file on MCOL or is it worth persisting with a second letter, even though it will have no effect.

I guess its them that will have the foot the £100+ mcol fee!

Go for it! They have to pay you the £30 court fee back - also complain to Financial Ombudsman as they get charged £400 per complaint

Or maybe just ring them again and tell them that first and see what they have to say!

(can you tell I don't like A+L or Wragge&co their solicitors?)
I can't think why someone called me 'The Sledgehammer'

Beate

You have to send another letter telling them of your intention of going to court if they don't refund your money within 14 days, template is in Martin's letter. Then go straight to filing a claim as you probably won't get much joy out of them before you do so.

For the record, their excuse as stated above is total and utter cr*p.

bobbydrake50

I was chasing them for just over £1300.00 (inc 120 fee). They send me a cheque for £580.00 2 months ago which i just ignored. Got a court date for the 26th July which i was starting to worry about as i still havent got around to sorting all the paperwork out. Was just thinking last night i might just take the cheque and run when i got an offer in the post today for around £1060 which i think i will accept so i do advise anyone who is worried to go ahead with the claim and hopefully before actually having to turn up to court you willreceive an offer not a million miles from what you were hoping for. :beer:

littlebean_3

I wrote to A&L asking for a full refund or I would take them to court, they then wrote offering a goodwill gesture of £418, my claim is £1046. I then proceeded with court action and they wrote to me offering £418 plus the £120 for court fees. Should I just take this offer and be grateful or should I proceed with the court action? Please help!