Alliance & Leicester (merged)

sixxdog_UK

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



Hi There,

Yes i have this as a part of their defence as well , it' total tosh as far as i can see, we have itemised the charges , and they have supplied the statements to back this up.

I think they are just blowing smoke up our bums to be fair , but next time i write to wragge & co. i'll enclose a copy of my breakdown with a description from each statement next to each charge. IE: unauthorised over draught or unpaid item etc.

If they then say that is insufficient , then I'll ask them to get a more detailed breakdown from he bank , which they will have to copy to me as part of advanced disclosure.

It'll all part of the dance , my local court today also told me that if you get income support or similar state benefit then there is a form EX160 which they will send on request to waive the £100 charge.

The clerk also said that the next stage for my claim is for a judge to issue directions and set a date and for me to see if A & L turn up.!!

I kind of got the impression they are getting tired of the same questions over and over again, when they already know the outcome!

Below is my latest letter to wragge & Co. for you guys to comment on.

Keep the faith guys , we have nothing to lose but our shirts and £120 court costs heheheh :rotfl:

Alex.


Wragge & Co LLP
55, Colmore Row
Birmingham
B3 2AS

CC: Alliance & Leicester (Bootle)
Alliance & Leicester (Carlton Park, Leicester)

RE: A.Customer vs. Alliance & Leicester PLC Case Number: *********

Without Prejudice

Dear Sir,

With reference to your letter dated 1st May 2007.

Thank you for your acknowledgement of my letter dated 30th April 2007 and I respond as follows:

(1) I repeat my offer of settlement set out in my letter dated 30th April 2007 the offer still remains at £1700 for full and final settlement and remains open for a further 7 days from the date of this letter. When it shall be considered that the bank has no desire to settle out of court and the case shall proceed. I would also like to add, that this figure will increase with interest each day until the day of judgement by the court, should your client wish to proceed down this path.

(2) I acknowledge the banks desire to keep my account open and their assurance that no account closure is planned. I trust this shall remain the case as this matter proceeds through the courts.

(3) If the bank again reject my out of court offer and do not refund the amount of £1700 to me , I shall consider this to be confirmation that the bank wish for this matter to be heard by a judge and that they are willing to disclose their cost structures accordingly for the courts consideration.

(4) Furthermore if the bank as indicated in section (3) of this letter confirm their wish to proceed to trial of this matter I shall consider this to be and end to any negotiation between the bank and myself and will proceed with the case against your client with a view to a full hearing with complete and concise disclosure, and with a view that a judge make a final decision in this case.

(5) If the bank does not refund the amount of £1700 in the next 7 days, I reserve the right to end correspondence with you of a negotiatory nature and to proceed with the legal action forthwith.

This offer above is made without any prejudice and/or admission of liability that may or may not preclude or inhibit evidence that may later be used in court.

Sincerely,

Account Holder.

eyeball0001

Fantastic letter! Do you mind if i use that if I send another one?

sixxdog_UK

eyeball0001 wrote: »

Fantastic letter! Do you mind if i use that if I send another one?

Of course mate use whatever you like i'm glad you like it , it will at least cost A&L about 15 to 25 quid for wragge and Co. to respond

Stay cool ya'all.

Alex.

:beer:

MimiJane

Agreed ... great letter!

Robclinton1

MimiJane wrote: »

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

Clause 10 and 11 exactly the same in my case, i have just re-sent my 7 page spreadsheet to Carlton Park and Bootle, not to Wragges though, im not taking them to court!!

Robclinton1

by the way, Ive asked in writing on 2 occasions where to send correspondance ... Carlton Park or Bootle, still no reply, does anyone know? SHODDY customer service eh?

MimiJane

Robclinton1 wrote: »

by the way, Ive asked in writing on 2 occasions where to send correspondance ... Carlton Park or Bootle, still no reply, does anyone know? SHODDY customer service eh?

I was dealing solely with Carlton Park until I had a reply from Bootle after rejecting a silly offer ... now I'm not sure anymore

sixxdog_UK

Hi All, :hello:

I wasn't sure so sent letters to both addresses.

I would opt for Bootle as it seems to be the one that gets the fastest replies.

Or if a delay tactic is your game plan go for Carlton Park , but always address the letters to the address you served the papers on.

Seems that all threats of legal action go to Bootle for forwarding to their specialist unit and then onwards to the solicitors.

So in summary I would use.

Customer Complaints Dept.
Alliance & Leicester PLC
Customer Service Centre
Bootle
Merseyside
GIR 0AA

Hope this helps.


Alex.

Robclinton1

sixxdog_UK wrote: »

Hi All, :hello:

I wasn't sure so sent letters to both addresses.

I would opt for Bootle as it seems to be the one that gets the fastest replies.

Or if a delay tactic is your game plan go for Carlton Park , but always address the letters to the address you served the papers on.

Seems that all threats of legal action go to Bootle for forwarding to their specialist unit and then onwards to the solicitors.

So in summary I would use.

Customer Complaints Dept.
Alliance & Leicester PLC
Customer Service Centre
Bootle
Merseyside
GIR 0AA

Hope this helps.


Alex.

Just another tactic to cause confusion and trouble for those trying to reclaim methinks ...... they're not really coming out of this with a good customer relations reputation are they?

Kazza76

Hi everyone,

I was claiming for £4325 plus charges this was for 6 years, went to see solicitor about sending letters to A & L, if it was to go to court I would only be able to claim 5 years because of scottish laws, so it would off worked out less.
But hey to my suprise this morning I received a letter from A&L saying
"Our records show that over the last six years, charges totalling £4325 have been applied to your account, Whilst I am confident that we have acted correctly in accordance with our charging policy blah blah blah!! I am willing to make a goodwill gesture and am prepared to offer a refund of £3000, please sign and return if you accept."
So im delighted as I think thats a not bad offer considering I included service charges too. So Im going to accept.
I just sent The standard letters from this site and never started court proceedings yet....

I hope everyone else does well with their claims :beer: [

THIS FORUM HAS HELPED ME!! FOLLOWING ALL UR STORIES :cool: