Alliance & Leicester (merged)

bluefox_09

I have just received Alliance and Leicesters A Q form from Wragge and co. they have left section G blank.I thought this was where you are supposed list any evidence in regard to the case, shouldn't they put that they think that their charges are fair and legal or is this just another ploy to time waste and delay having to pay out. I have been in contact with both Wragges and A+L to ask them to send be a detailed breakdown of how they get £25.00 for their bank charges but i doubt if i will get any response.
Has anyone else noticed this any info would be appreciated
Thanks.

melissa'smoney

Hi all A&L'ers!!

I have my court date for the 17th Sept......have any of you had any success in court or settled before?


Should i contact Wragg/A&L and see if there willing to settle???


x

MimiJane

No harm in starting negotiations over the 'phone Melissa, but I'd personally leave it a while yet. You're more likely to get more out of them if you leave it until nearer your court date, unless you're willing to settle for a considerable amount less

craig1_2

I've had the standard "these apply to credit card charges only and you were aware of the charges through website, statements etc. etc." letter back from them.

I'm now preparing the next letter from the template and have completed most of it but there is a section "insert name of court" near the bottom, do I basically just put my local court in here ?

Please advise on what I should do so I can get the letter sent off this weekend.

Cheers

coops024

So I got another letter from Wragge last night upping the offer to £330 (+£80 court fees) as full settlement of my claim for £900. :rotfl:

I sent an email saying that I wouldnt accept the offer but gave them my phone number and said they can call me if they wish to discuss it.

I want them to call me (so I dont seem desperate) :cool: then I can play hard ball !

nappy

Hi everbody, Nappy is here and very very happy,
Firstly sorry for not being here yesterday, i was out celebrating,!!!

My day in court.

Arrived at midday, me and hubby, was spoken to by an usher at the receptionist that i would be approached by a gentleman who was representing wragge, so sure enough, theis man came over to me and made me an offer of £2059.50 and my £120 court costs, i said that i was already offered this amount and that i was at court today to claim my interest, he tried to frighten me by saying am i sure i want to risk £400 interest for the sake of the £2059, he then went on to say that i would lose everything if the judge decided no, that i wasnt entitled to my interest, he waffled on saying "thats a big gamble to take etc etc," Anyway he said he would make a phone call to wragge, he did this, but the person that he needed to speak with wasnt available, so hence he never bothered me anymore.
By this time i must admit i was very nervous, thinking what if he is right and i lose what i have already been offered!! i was pacing the floors, i suppose i can laugh to myself, as it did look quite amusing!!!
I was so so close to saying yes,ok then, but i never and im so glad i didnt!!
There was including myself 4 cases being heard, the 1st gentleman to go in, was followed by this representive from "wragge", so i thought "oh god am i going to have him coming in with me", anyway out the gentleman came looking reasonably happy, not giving too much anyway, then out followed "Mr Wragge Man" , Wragge man, then disappeared and he never went into the court room with the next couple, they came out and then it was my turn, they said to us as we went in "dont expect a decision from him today", so that made me even worse. To my surprise the judge was lovely, so it was obvious the couple previous had put him in a bad mood!!
We sat down, he asked my name, the bank who i was claiming against, he then took my file, asked me for how much i was claiming, including my interest and my court fee, he actually asked me to just give the total of it all, i did, he said "amout to be payable in 14days" he then said" have a good afternoon" and thats what we did (ha ha).
No questions asked, i didnt have to give any explainations about nothing.
He did ask though was the representive from "Wragge" still outside and asked why hadnt he come in with us, we just said that he seemed to disappear after the 1st case was heard, and the judge just seemed to smile and shake his head!! not to sure what was meant by that.
So success after 6mths of hard work.
Total claimed £2059.50 and £423.88 interest and £120 court costs, YIPPEE

I would just like to thank EVERYBODY who has helped me along the way, when i wasnt sure what decisions to make, people where there to advise me.
especially a BIG THANK YOU TO MIMIJANE if i got to meet you, i would give you loads of hugs and kisses and buy you a drink ( or maybe a few), you deserve it , you are a star,
So everyone keep going because if you are prepared to stick it out you will get what you are wanting,
Will still stay on the forum and advise as much as i can
Love you all loads and loads and thank you,
HUGS AND HUGS
NAPPY
XXXX

craig1_2

craig1 wrote: »

I've had the standard "these apply to credit card charges only and you were aware of the charges through website, statements etc. etc." letter back from them.

I'm now preparing the next letter from the template and have completed most of it but there is a section "insert name of court" near the bottom, do I basically just put my local court in here ?

Please advise on what I should do so I can get the letter sent off this weekend.

Cheers

Can anyone advise ?
Claim is for over £3000 so want to ensure I'm doing everything correctly and there's no excuse for them holding things up

MimiJane

Well Nappy ... it's exactly what you deserve and I'm ABSOLUTELY DELIGHTED FOR YOU I'm also so glad it wasn't the ordeal you thought it might be and the judge was so quick at awarding you your money!

Terrific news, which should give hope to all of us

Mimi x

P.S. Yes, do keep coming back to help. I reckon it'll be hard to leave all this behind us anyway when it's virtually taken over our lives for so long

jdallen3110

hi all just got letters today from both wragge and also A+l so i thought i would give an up date as to what as happened so far and also to ask what do i do next if anything.

here goes
13/7/7
started claim for
£1069.50 plus £122.12interest. + court fee £120 via local court
total £1311.62
20/7/7
got letter from A+L with new offer of £599.50 (which i will reject)prev letter about 3 weeks ago before starting court action £258.00
20/7/7
got letter from Wragge+Co saying "we enclose our clients acknowledgement of service giving notice of intention to defend"

what i am woundering is
is there anything i need to inform the court about?
when will i know the court date?
should i try to get either Wragge or A+L to better the offer?

many thanks
egarerly awaiting a helpful reply;)

nappy

jdallen3110 wrote: »

hi all just got letters today from both wragge and also A+l so i thought i would give an up date as to what as happened so far and also to ask what do i do next if anything.

here goes
13/7/7
started claim for
£1069.50 plus £122.12interest. + court fee £120 via local court
total £1311.62
20/7/7
got letter from A+L with new offer of £599.50 (which i will reject)prev letter about 3 weeks ago before starting court action £258.00
20/7/7
got letter from Wragge+Co saying "we enclose our clients acknowledgement of service giving notice of intention to defend"

what i am woundering is
is there anything i need to inform the court about?
when will i know the court date?
should i try to get either Wragge or A+L to better the offer?

many thanks
egarerly awaiting a helpful reply;)

You will now get a letter of transfer informing you that this case has now been moved to your local court!!
Then after that maybe 2-3 you will then get another letter informing you of a court date, it is only really at this stage will you need to do any work.
Wragge may make you another offer,during this time waiting to go to court,
I rang wragge about 3wks before my date, just to let them know that i would be sending them a file recorded delivery , it was then , did they make me an offer over the telephone , i refused this offer, i was then made an offer monday 16th i was in court yesterday 19th, this just shows you how long they leave it until they make you an offer,
hope this helps,
Nappy x