Alliance & Leicester (merged)

sixxdog_UK

Hi All,

Just had a very informative conversation with the A&L's solicitor (ALSO MR CLARKE SARGENT) from Wragge & Co. , It seems the A&L are getting defensive now and their policy is to take the cases to court.

According to my local court they are setting aside some special sessions for these cases but could be a matter of months yet.

Now the A&L position as i understand it from the solicitor is that they make an offer based on £12 per BOUNCED CHEQUE / UNPAID ITEM ONLY , NOT Un-Authorised charges etc.

Reasoning behind this is that by claiming all charges back we are saying we do not wish to pay any charges for the banking services we get.

Suggestion for a possible quick payout if this is your aim , would be to offer a settlement figure based on ALL charges set at £12 , and then claim the difference etc from that. With or Without interest but i would always include court costs.

It's just something i'm giving some thought to , but i may also decide to push it to the end , based heavily on the outcome of the forthcoming round of court dates set for this month with some of our forum users.

The case continues...........................


Good luck all , hope this information is food for thought for those of you not knowing which way to go now.

Of course the die hards may well say "!!!!!! THAT" im going to court , in that case good luck guys and i wish ya all well.

Sixx

sixxdog_UK

dj9928 wrote: »

Well got my court date today, Me V A&L on the 25th May, only 3 wks before I get my money Oddly didn't get a questionnaire

HI There,

Keep us posted mate, as you may be the first of this forum to actually get to court , if they pull out, it sets a precedent for us all , would be nice to see just how far they are willing to go.

My gut feeling is they will settle on or just before the day , but who knows they may again have something up their sleeve.

Don't want to use you as a test case, but i think you have the somewhat dubious 'honour' of being the first

Good luck to you my friend i wish you well.

sixx

dj9928

sixxdog_UK wrote: »

Hi All,

Just had a very informative conversation with the A&L's solicitor (ALSO MR CLARKE SARGENT) from Wragge & Co. , It seems the A&L are getting defensive now and their policy is to take the cases to court.

According to my local court they are setting aside some special sessions for these cases but could be a matter of months yet.

Now the A&L position as i understand it from the solicitor is that they make an offer based on £12 per BOUNCED CHEQUE / UNPAID ITEM ONLY , NOT Un-Authorised charges etc.

Reasoning behind this is that by claiming all charges back we are saying we do not wish to pay any charges for the banking services we get.

Suggestion for a possible quick payout if this is your aim , would be to offer a settlement figure based on ALL charges set at £12 , and then claim the difference etc from that. With or Without interest but i would always include court costs.

It's just something i'm giving some thought to , but i may also decide to push it to the end , based heavily on the outcome of the forthcoming round of court dates set for this month with some of our forum users.

The case continues...........................


Good luck all , hope this information is food for thought for those of you not knowing which way to go now.

Of course the die hards may well say "!!!!!! THAT" im going to court , in that case good luck guys and i wish ya all well.

Sixx

Hi, yes thats exactly what the guy said to me. Not a hope am I going to accept £180 when they owe me £900

dj9928

sixxdog_UK wrote: »

HI There,

Keep us posted mate, as you may be the first of this forum to actually get to court , if they pull out, it sets a precedent for us all , would be nice to see just how far they are willing to go.

My gut feeling is they will settle on or just before the day , but who knows they may again have something up their sleeve.

Don't want to use you as a test case, but i think you have the somewhat dubious 'honour' of being the first

Good luck to you my friend i wish you well.

sixx

You know I'm starting to think this myself:mad: Best thing is I don't have a clue what i'm doing:o

Robclinton1

sixxdog_UK wrote: »

Hi All,

Just had a very informative conversation with the A&L's solicitor (ALSO MR CLARKE SARGENT) from Wragge & Co. , It seems the A&L are getting defensive now and their policy is to take the cases to court.

According to my local court they are setting aside some special sessions for these cases but could be a matter of months yet.

Now the A&L position as i understand it from the solicitor is that they make an offer based on £12 per BOUNCED CHEQUE / UNPAID ITEM ONLY , NOT Un-Authorised charges etc.

Reasoning behind this is that by claiming all charges back we are saying we do not wish to pay any charges for the banking services we get.

Suggestion for a possible quick payout if this is your aim , would be to offer a settlement figure based on ALL charges set at £12 , and then claim the difference etc from that. With or Without interest but i would always include court costs.

It's just something i'm giving some thought to , but i may also decide to push it to the end , based heavily on the outcome of the forthcoming round of court dates set for this month with some of our forum users.

The case continues...........................


Good luck all , hope this information is food for thought for those of you not knowing which way to go now.

Of course the die hards may well say "!!!!!! THAT" im going to court , in that case good luck guys and i wish ya all well.

Sixx

Just a quick message .... This isn't the crown court we're going to, its a county court. From my perspective this is not a particular daunting prospect. The legal profession, in any case, will always try and scare you ****less, its their job. I still believe that there is a good chance thatHigh street banks wont be around forthcoming cases to defend.

A theory being banded around is that they are trying to hold off for the infamous OFT ruling, hoping for £12 a charge .... hmm quantify that if you can!!!!!!!

good luck everyone!!

MimiJane

There's not a chance in hell we'll all have to go to court ... it would cost them a fortune:rolleyes: No bank has ever been to court to defend their charges ... they'd lose and the floodgates would be opened. They'll probably string it along to the bitter end though ... A&L have really toughened up on this reclaiming business apparently.

dj9928

MimiJane wrote: »

There's not a chance in hell we'll all have to go to court ... it would cost them a fortune:rolleyes: No bank has ever been to court to defend their charges ... they'd lose and the floodgates would be opened. They'll probably string it along to the bitter end though ... A&L have really toughened up on this reclaiming business apparently.

I did read either on here or another forum about someone taking Barclays to court and they did have to go to court, they won never the less

Russjo

robgee wrote: »

I sent my first request letter 2 weeks ago with a £10 cheque and its not been cashed yet.. i wish id sent it recorded delivery now... ill keep an eye to so how you get on as your a few weeks in front of me..

:beer:

Hi Robgee,
I also neglected to send my letter's by recorded delivery. The forty days are up next Monday and they have only cashed one cheque and there is no sign of the statements and there is no record on my account of the request being processed. Take my advice, don't let any more time pass by. I could kick myself for not sending another letter by recorded delivery a few weeks ago just to cover my back, and I'm now sending another letter and I'm having to give them more time :wall::

MimiJane

dj9928 wrote: »

I did read either on here or another forum about someone taking Barclays to court and they did have to go to court, they won never the less

I've read of about half a dozen people having to attend ... the banks were not there though:rolleyes: Also, how many thousands of people have posted on this website ... what percentage have actually had to attend court? A tiny percentage, and they all won

iamstacie

Hi, :hello:

Just thought I'd say hello since I've just started to claim back some of my charges from A&L and I think I'll be needing this place quite a bit over the next few weeks/months!

I've been reading with interest about them submitting a defence and taking their customers to court, but I can't figure out if they're now doing this to everyone or those with high claims etc? My claim is only for £1219 before interest, but I have only been with them 3 years...should I expect a letter from Wragge & Co?

Thanks,
Stacie