Alliance & Leicester (merged)

hollerguy

Many thanks for your reply. I think I will definetly stick it out and go for more if not all. I love how they say they won't close my account, like I should be appreciative after them taking over £200 off me when they should be glad already that I choose to bank with them!

eyeball0001

CONGRATULATIONS NAPPY!!!

I only wish i had the patience to wait for my court date, but i'm happily enjoying my settlement money at the moment!

nappy

eyeball0001 wrote: »

CONGRATULATIONS NAPPY!!!

I only wish i had the patience to wait for my court date, but i'm happily enjoying my settlement money at the moment!

Thank you very much,
Believe me if i had to wait until october, i wouldnt have bothered about the £400 interest, it was just my court date was so soon, just thought what the hell, but i was very nervous and was tempted to settle before i went into the court room, but am glad now i never, £400 to me, is the money that can now pay off my overdraft!! and the rest is mine (well ours really). I just hope that they pay me within the 14days that the judge has stated , WHAT IF THEY DONT???,thanks again,
Nappy

nappy

hollerguy wrote: »

Hi!

I looked to claim £205 from Allaince and Leictester and have now been sent an offer of £44 with a letter saying that this is a ex gratia basis and offering me what it would be if it were £12 which apparently what the financial ombudsman are suggesting? But I don't know how that works out.

I know £205 might not seem alot but I'm a student so it all counts, £44 to me seems pitiful...could people please help!

Many thanks in advance!

Adi

Oh god yes, yes , yes,
You will definately get all of your money,
My 1st offer was just over £500, then it went up to £1000, then it went to just over £2000, and i was in court 19th july, and got my full claim!!
So definately for your £200, go for it, and yes it is a lot of money, whatever the amount, its money that is yours, hope this helps and good luck, let us know how you get on,
Nappy

jonoefc1

nappy wrote: »

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

congrats nappy

jono

hollerguy

nappy wrote: »

Oh god yes, yes , yes,
You will definately get all of your money,
My 1st offer was just over £500, then it went up to £1000, then it went to just over £2000, and i was in court 19th july, and got my full claim!!
So definately for your £200, go for it, and yes it is a lot of money, whatever the amount, its money that is yours, hope this helps and good luck, let us know how you get on,
Nappy

Thank you Nappy for your reply! It has helped me decide that I will defo proceed and get all my money back. Like you said, it's my money, and I think we all help the banks earn enough money as it is, they should be happy we choose to bank with them. Was nice to read your story and Congrats on getting as much as you did! Hope you enjoy it all!

Adi

Robclinton1

Hi all
<O:p</O:p
Just had my Notice of Allocation to the Small Claims Track (Hearing)
<O:p</O:p
It Reads –
It is ordered that:
<O:p</O:p
1-This claim is allocated to the Small Claims Track

2-The Claimant shall by 17-Aug-07 file and serve
(a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and alleged reason (if any) for that charge being made;
(b) Copies of any statement or other document relied upon as showing that each and every such charge has been made;
(c) A statement of the Claimant’s own evidence, if such is ti be relied upon as tending to show that the alleged charges have been made, or that they are recoverable as penalties.
<O:p</O:p
If the claimant fails to comply with this order, the claim will be struck out without further order.
<O:p</O:p
It then proceeds to outline what the defence must supply within a further 4 weeks of my response.
<O:p</O:p
I assume that order 2 (a) is my spreadsheet (yet again); 2 (b) is a copy of my bank statements; But I’m not too sure about 2 (c) – Is this the whole Court Bundle?
<O:p</O:p
Also does ‘file and serve’ mean – File 1 copy to the court, and serve 1 copy to the Defence?
<O:p</O:p
Any help?
Mimi??
<O:p</O:p
Thanks all
Well done Nappy!!

Greg1974

Earlier this week, I sent my first letter to Alliance + Leicester, requesting details of all the
charges levied to my account since it was opened in late 2005, along with a £10 cheque.

And last week, I opened up a ReadyCash Account with Yorkshire Bank as my "parachute
account", in case A+L say, "Ok then matey, yer can have yer money ... now f*** off!".
ReadyCash is YB's basic account. I'm surprised they even mention it on their website!

For what it's worth, I've even started a weblog about it! My reclaim saga is to be the
main topic on there, at least until I got a fully satisfactory outcome in the situation.
(This website gets a mention in the first article on my weblog as well.)



So, phase 1 (new bank acc.) of my action plan to get my cash back is now complete,
and phase 2 (charges info request) is now in progress. Here's hoping A+L don't drag
their heels too much (preferably not at all) in this, and that it won't be too long
before I get back the money wrongfully taken from me that is rightfully mine.

MimiJane

Robclinton1 wrote: »

Hi all
<O:p</O:p
Just had my Notice of Allocation to the Small Claims Track (Hearing)
<O:p</O:p
It Reads –
It is ordered that:
<O:p</O:p
1-This claim is allocated to the Small Claims Track

2-The Claimant shall by 17-Aug-07 file and serve
(a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and alleged reason (if any) for that charge being made;
(b) Copies of any statement or other document relied upon as showing that each and every such charge has been made;
(c) A statement of the Claimant’s own evidence, if such is ti be relied upon as tending to show that the alleged charges have been made, or that they are recoverable as penalties.
<O:p</O:p
If the claimant fails to comply with this order, the claim will be struck out without further order.
<O:p</O:p
It then proceeds to outline what the defence must supply within a further 4 weeks of my response.
<O:p</O:p
I assume that order 2 (a) is my spreadsheet (yet again); 2 (b) is a copy of my bank statements; But I’m not too sure about 2 (c) – Is this the whole Court Bundle?
<O:p</O:p
Also does ‘file and serve’ mean – File 1 copy to the court, and serve 1 copy to the Defence?
<O:p</O:p
Any help?
Mimi??
<O:p</O:p
Thanks all
Well done Nappy!!

Hi there,

Yes, "file" means send to the court and "serve" send to the defendant.

Is the defendant being asked to declare how they reach their charges and why they're not penalties? If they are, the money's as good as yours once you get your bundle in ... they've never done this yet (they cannot).

Point a) is your FULL schedule showing interest, reason for charge and date charge incurred (i.e. what you've probably already submitted to various parties time and time again).

Point b) is copies of your bank statements : just the ones with charges on and with the charges highlighted. I'd also mark the charges with an * in case they don't copy well.

Point c) : It sounds as if this should be a Witness Statement (rather than a Statement of Evidence), but it's vital you get expert advice as to what they mean. Normally they'll ask for either one or the other and they haven't in your case If you're asked to submit one of these statements (templates on the CAG site), you enclose relevant "back-up" documents, which will consist of the Basic Court Bundle (again, on the CAG site for printing out). Not sure if you need to submit copies of all your correspondence between all parties ... again, advice needed, but I'd definitely include Terms and Conditions for the start and end year of your claim (on CAG site).

If you haven't already, I strongly advise you join up on the CAG site and create your own thread under the A&L form (see my posts above to various people with links). You will get clarification on exactly what you need to submit and loads of help and advice along the way from lots of experienced and helpful people.

Once you know exactly what you need for your court bundle, I'll be able to help you a lot more

Mimi x

Robclinton1

MimiJane wrote: »

Hi there,

Yes, "file" means send to the court and "serve" send to the defendant.

Is the defendant being asked to declare how they reach their charges and why they're not penalties? If they are, the money's as good as yours once you get your bundle in ... they've never done this yet (they cannot).

Point a) is your FULL schedule showing interest, reason for charge and date charge incurred (i.e. what you've probably already submitted to various parties time and time again).

Point b) is copies of your bank statements : just the ones with charges on and with the charges highlighted. I'd also mark the charges with an * in case they don't copy well.

Point c) : It sounds as if this should be a Witness Statement (rather than a Statement of Evidence), but it's vital you get expert advice as to what they mean. Normally they'll ask for either one or the other and they haven't in your case If you're asked to submit one of these statements (templates on the CAG site), you enclose relevant "back-up" documents, which will consist of the Basic Court Bundle (again, on the CAG site for printing out). Not sure if you need to submit copies of all your correspondence between all parties ... again, advice needed, but I'd definitely include Terms and Conditions for the start and end year of your claim (on CAG site).

If you haven't already, I strongly advise you join up on the CAG site and create your own thread under the A&L form (see my posts above to various people with links). You will get clarification on exactly what you need to submit and loads of help and advice along the way from lots of experienced and helpful people.

Once you know exactly what you need for your court bundle, I'll be able to help you a lot more

Mimi x

Mimi

Thanks for the reply.

letter continues -
3. The Defendant shall by 14-Sept-07 file and serve a response to the claimant's schedule, stating in respect of each item claimed:
(a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual ducument relied upon;
(b) Whether such charge is accepted to be a penalty, and if not, why not;
(c) If such charge is alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions (whether or not such action is to be treated as a breach of the contract between the parties), all facts and matters intended to be relied upon as showing that such is a proper estimate of such loss, and all evidence to be adduced at trial as to what the true cost of dealing with the matter was.

If the Defendant fails to comply with this order, the Defence will be struck out without further order.

4. Decided cases and other legal materials should not be filed, but brought to the hearing with additional copies for the Court and the opposing party.

5. List for hearing next availabledate after 12-Oct-07, time estimate 1 hour, reserved to District Judge ***********

So there you go, I read this as no court bundle at this stage. Anyone agree?????

Thanks