Alliance & Leicester (merged)

MimiJane

sandra123 wrote: »

can someone help. Ive got a letter from alliance and leicester bootle telling me that the oft are not referring to bank fees in their comments about late payment fees but are only referring credit card payments that are quite distintive from bank fees on current accounts and they are not paying up.

what do I do next? is this a bluff or should I go to small claims now?

See my post 829 above

gillymca

Hi

I am still waiting for A&L to sent me my 6 years of statements, the 40 days were up today. I suppose my next move is to keep pestering them. I have had a message on my ansaphone to contact them but i would rather communicate with them in writing as i get nervous on the phone and I don't want to say the wrong thing. Does anyone know a fax number for A&L or an email address? Appreciate any help to support me.

Thanks gillymca

paul_d_8

Of course they are bluffing. At the court cases they wont turn up, and they wont win because the charges are disproportionate. I shall take great pleasure in informing the judge in my forthcoming trial that A&L had no intention of turning up (if they dont). At worse this will help ease future claimants. If an offer comes in before, but suggests that i must accept their terms and conditions, I will also take that as notsettling fully, and will continue to court

MimiJane

Just read of someone on the CAG website getting over £3k back from A&L recently ... he was about to apply for judgement when they didn't enter a defence, then they paid up.

This is the first success story I've read about A&L paying out more than £500 before court for ages.

MimiJane

paul_d wrote: »

Just received the notice of transfer from Northampton to local court, lol, im dead excited believe it or not. Ive got all my court bundle papers ready to go, and Ive even been polishing up my speech, of course I'll be saying it to myself because A&L or anyone defending them wont be around.

Im quoting the usuals .... Dunlop etc ...unfair penaulties... disproportionate ... disclosing cost structures .... the whole flinking lot.

I'm really going to go out there in my best suit and shined shoes, and have a whale of a time. Come on A&L, once and for all (we know you watch the forum) acyually stand there and DEFEND A CASE YOU COWARDS - SET A PRECEDANT. I have also prepared a schedule of associated costs such as postage etc, and if A&L don't show up I'm going to ask the judge to allow them as A&L had no intention of showing up. May work, may not ..... good luck Mimi, Eyeball etc

Keep strong everyone, and remember to go to the ombudsman if they threaten to close your account. Apparantly it costs them £400 just to go through the process!!

Keep pushing everyone.

Oh by the way, i have not had to fill in an Allocation Questionnaire, I wonder why lol ...

You're well prepared ... trying not to think about court bundle yet and all that legal stuff we have to print off which means b****r all to me:rolleyes: Suppose I ought to start to get everything together though just in case. It all seems such a waste of our time and money though, when it's quite probable it won't even be looked at.:rolleyes:

Have you got a date for court yet and are you sending a "nudge" letter as outlined on the CAG site?

x

paul_d_8

Mimi, of course we are all getting our court dates now, but really, there really isnt much chance they will be there. How can they say tell the judge their cost structure (say they present in court a figure of £7 a charge - including all their structural costs - then the OFT rules that £12 is fair) this would leave them open for future court cases. If they present in court a figure of £12 per claim this would fly in the face of everything we've been reading about for 2 years, and the credibility of that claim would be severly diminished.

In short they cant justify such disproportionate charges, and I believe will not be there. Im still of the opinion that A&L are holding off as many cases as possible hoping for a £12 OFT ruling.

I believe the £1000+ claimants will be receiving their monies very soon.

paul_d_8

Mimi, got a good 'nudge letter' template, yes of course, it shows willing to negotaite doesnt it?

MimiJane

paul_d wrote: »

Mimi, of course we are all getting our court dates now, but really, there really isnt much chance they will be there. How can they say tell the judge their cost structure (say they present in court a figure of £7 a charge - including all their structural costs - then the OFT rules that £12 is fair) this would leave them open for future court cases. If they present in court a figure of £12 per claim this would fly in the face of everything we've been reading about for 2 years, and the credibility of that claim would be severly diminished.

In short they cant justify such disproportionate charges, and I believe will not be there. Im still of the opinion that A&L are holding off as many cases as possible hoping for a £12 OFT ruling.

I believe the £1000+ claimants will be receiving their monies very soon.

If I have to go to court, will you come with me

x

paul_d_8

we will be there on the same day by the looks of it Mimi, many believe the courts want some sort of 'bulk hearings'. See you at a court near Carlton Park soon!!

bobbydrake50

Hi I'm claiming back just over £1300 - got my letter from Wragge & Co yesterday. What happens next? Do i get a letter from the court saying A&L are defending?