Alliance & Leicester (merged)

davefcuk

tomsy77 wrote: »

Firstly we have received a letter from alliance and leicester stating that there charges are fair and they are refusing our request. can anyone tell me how long a court claim can take.

Also hsbc have said they have'nt received our letter asking for bank statements (even though we sent it) and that we'd have to wait a further fourty days !!:mad:
do we have the right to complain as our patience is really running thin.
any advice would be much appreciated.

Steve

Firstly if you kept a copy of your original request letter report them to the information commissioner.

Personally I recommend you go into your local branch I did with the Halifax and not only did the statement arrive within seven days but it didn't cost a penny.

There is no avoiding the fact that the court procedure will take time this all depends on how quick you bank respond but in the best case they may not even acknowledge within the 14 days and you can request judgement.

Good Luck and remember deal with this in a way thats best for you

MimiJane

A bit of further info. for everybody on the AQ : On reading through the threads on the CAG website, in some cases, although the AQ is not being sent out by Northampton court, your local court might still request one when proceedings have been transferred ... it depends entirely on the thoughts of the judge. Either way, no problem, as there are templates on this site and the CAG one

dj9928

Right it finally arrived, I got a letter from Wragge & Co, saying:

We enclose for you information a copy of the notice of dispute together with the form of Defence, as we have filed on our clients behalf in tonights post with the Belfast County Court

Do I need to do anything with this letter? Also what happens next. I phoned the court and they no nothing, letter dated 29th so it would of been processed by now

Thanks

MimiJane

dj9928 wrote: »

Right it finally arrived, I got a letter from Wragge & Co, saying:

We enclose for you information a copy of the notice of dispute together with the form of Defence, as we have filed on our clients behalf in tonights post with the Belfast County Court

Do I need to do anything with this letter? Also what happens next. I phoned the court and they no nothing, letter dated 29th so it would of been processed by now

Thanks

No, just sit tight to wait to hear from the court ... don't give them any info. they don't need yet and can use against you.

Archaeopteryx

I have two cases against Alliance & Leicester, one for the credit card, the other for the bank account.

Credit Card - claiming £256.54 inc. interest
Bank Account - claiming £596.32 incl. interest

The GOOD news is that this morning I had a letter regarding the credit card amount, saying they will credit my account with the full amount (yipppppeeeeeee!!). So no big fat cheque, just means I owe them less money, but that's good too!

The not so good news is I received another letter from Wragge & Co containing A&L's defence for the bank account claim

Two questions, first is, as they settled out of court for the credit card do I lose my court fee?

Second is, now I have a copy of the defence, what do I do next?

Feeling like I'm getting somewhere, though it ain't over yet!

MimiJane

Hi all,

Just had a read of my sister's defence letter (who I'm claiming for). Clause 10 states the following :-

"The claimant has failed to particularise the claim against the defendent adequately or at all and the claimant is requested to particularise each and every charge that the claimant alleges the defendent has added to the account, specifying the amount charged, the dates of the charge and the explanation given for the charge".

Clause 11 :

"The defendent repeats paragraph 2 above."

Has everyone else got these paragraphs included in their defence? Just wondering if it's a good idea to the list of charges to the solicitors (already sent to the bank).

x

eyeball0001

How can you particularise every claim when they will have just put 'Upaid Item Charge' or something...? Doesnt make sense. Maybe call MCOL and ask them?

dj9928

Anyone else got this letter from Wragg etc saying there entering a defence and you contact the court and they haven't?

MimiJane

Thanks eyeball. From experience, the courts won't advise on matters like this. I may just send the solicitors the list of charges and point out the very relevant fact that you've made.:rolleyes:

MimiJane

dj9928 wrote: »

Anyone else got this letter from Wragg etc saying there entering a defence and you contact the court and they haven't?

When did you get the defence? If it's only in the last few days, it's probably on it's way to the court. Have they gone over their deadline date?