Alliance & Leicester (merged)

LozBingley

nappy wrote: »

Hi there,
Thank you for your response, what is £230 SELF LITIGATION FEE im not sure what this is.
I havent had to pay any fee to the court only my court fee of £120 which wragge are giving me back,
Wragge told me today that they are only entitled to pay back my claim and no more, they said im not entitled to the interest and that will be the judges decision!!! Not sure if this is true or not!!
So here i come Thursday my day in court!!
nappy xx:j

As MimiJane says its what the court would award you if you have to go and stand in court to fight your case I've loosely based it on around 25 hours charge back which is an 'acceptable' amount. But you can itemise it and see how much you can make it add up to If you do document it you can ask for that amount. Far easier using the £230 figure I think.

LozBingley

staceydee wrote: »

:mad:
HI

I'm new here so please be gentle. I am familiar with the process of reclaiming bank charges as have lurked for a while but not yet posted:mad:

Anyway I am looking to claim my bank charges back from A&L I have some of my statements going back to 2001 but not all of them, ie I have some months for some years but not all month and also i have all of 2002 and 2003 missing??:mad: :mad:

I am pondering on whether or not to send the 10 so they can send me a copy of all the statements for the last 6 years, however the total charges on the statements i already have total 1545 which i would be more than happy with.

So the question is - do i send off the 10 and wait however long they take ( which seems to be a while with A&L) for them to send me all the statements, or do I cut my losses and just claim back the 1545 which is on the statements which I already have as it will be quicker???

Please help me decide or advise if I claim back the charges on the statements which I already have and they agree to refund these would I then be able to ask for the 6 years statements to claim any charges which I hadnt claimed in the first instance:mad:

Thank you in advance

Stacey:o

Send them £10 and fill in the gaps there may be another £1,500 on it!
You can also do what I did with Barclays and write to them listing the items you know about and start claiming now! Then when the statements come add up the missing months and start a second claim

metrofire

Ok just checked the staus of my claim online and I'm getting the following:

<TABLE cellSpacing=10 cellPadding=0 width="100%" border=0><TBODY><TR><TD>Part Admission
</TD></TR><TR><TD> </TD><!--Status Description data--><TD>You are unable to take any further action online on this claim.

The Defendant admits only part of the amount you have claimed. A copy of this will be sent to you with details of the steps you can take next
</TD></TR></TBODY></TABLE>Is this a good thing or a bad thing ??:rolleyes: I lodge the initial claim on estimated charges as they didnt respond to my data protection request ( a booboo I know now) but obviously they are not liking the amount I'm claiming, but what exactly does part admission mean?

Cheers guys

Gerry

MimiJane

staceydee wrote: »

:mad:
HI

I'm new here so please be gentle. I am familiar with the process of reclaiming bank charges as have lurked for a while but not yet posted:mad:

Anyway I am looking to claim my bank charges back from A&L I have some of my statements going back to 2001 but not all of them, ie I have some months for some years but not all month and also i have all of 2002 and 2003 missing??:mad: :mad:

I am pondering on whether or not to send the 10 so they can send me a copy of all the statements for the last 6 years, however the total charges on the statements i already have total 1545 which i would be more than happy with.

So the question is - do i send off the 10 and wait however long they take ( which seems to be a while with A&L) for them to send me all the statements, or do I cut my losses and just claim back the 1545 which is on the statements which I already have as it will be quicker???

Please help me decide or advise if I claim back the charges on the statements which I already have and they agree to refund these would I then be able to ask for the 6 years statements to claim any charges which I hadnt claimed in the first instance:mad:

Thank you in advance

Stacey:o

Hi there,

No-one can answer this for you ... it's you who has to decide. Can you afford to wait (up to 40 days) for your full set of statements and take it from there? Realistically, the whole process will probably take about 6 months (I'm into my 7th month!). You may well be surprised at how much the total amount comes to if you wait for all your statements. Or, do you need the money sooner and want to press ahead now, though you may well be losing out considerably?

It's almost like asking someone ... "Do I need to draw some money out of the bank today or should I go next week?" Only you can decide.

There's the argument, now it's up to you ...

Start with all the statements with the charges you want to claim, or it will get complicated.

Best of luck in whatever you decide to do. You'll get loads of help here along the way.

eyeball0001

Well i will wait to celebrate until i see the money in my account but i just settled over the phone with wragge - its for less than original amount so you may think its a cop out but i didnt want to wait til october to go to court and i wanted the cash ASAP

MimiJane

Well done eyeball ... excellent news

Don't blame you at all not waiting 'til October Hope it's in your account soon.

Mimi x

coops024

Just thought I'd update you all with where I'm at and see if I'm doing the right thing

I sent the original letter to A&L in May and received the standard reply of "Its in line with our terms and conditions blah blah blah"

Sent the second letter (With a cheque for £10) asking for all my statements and these came within about 2 weeks :j

Sent a 3rd letter detailing all the charges (around £900 with intrest) and got almost an identicle reply as the first one.

Started MCOL and received the intention to defend from Wraggle and an offer (the same day ) from A&L for about £140 :rotfl:

So now I'm just waiting I did receive a letter from Northampton court saying that its being transferred to my local court but not heard anything in about 2 weeks now

Do I just sit tight ?

styles_2

styles wrote: »

A&L have offered me £369 which is around £900 less than what I was claiming. I have recalculated and taken out the monthly £5 OD charges and my 'court figure' is around the £1000.

My second letter (threatening court action) went on 25/6/07. I gave 14 days notice before court action stating I would accept £900. Is it time now I started the court process in small claims court?

Just looking at the post above and timescales. I should also point out that my first letter was sent on the 6/6/07

sorry for quoting myself but nobody replied to the original post

gillymca

Hi everyone

I am trying to claim £2989 from A&L. I have followed all Martins instructions and I am now at the stage where I have wrote to them and said i would accept a payment of £2500. I have today received a long letter from them saying the charges are fair etc but they would be prepared to pay me £1086.50 which 'reflects the difference between the amount of charges for unpaid items actually applied to my account and the amount of charges that would have been applied to the account if the charge had been £12 (being the amount that the OFT indicated was not unreasonable in relation to credit card default charges). Has anyone else recieved one of these letters and should I proceed with taking them to court.

Gillymca

MimiJane

gillymca wrote: »

Hi everyone

I am trying to claim £2989 from A&L. I have followed all Martins instructions and I am now at the stage where I have wrote to them and said i would accept a payment of £2500. I have today received a long letter from them saying the charges are fair etc but they would be prepared to pay me £1086.50 which 'reflects the difference between the amount of charges for unpaid items actually applied to my account and the amount of charges that would have been applied to the account if the charge had been £12 (being the amount that the OFT indicated was not unreasonable in relation to credit card default charges). Has anyone else recieved one of these letters and should I proceed with taking them to court.

Gillymca

EVERYONE's had this letter Virtually every correspondence from them is standard, so I'd start court proceedings.