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Wooooooohoooooooooooo Today I recieved a cheque for £1,965.67!! settled in full about 14 days after they aknowledged the claim So happy, thanks to this great forum, hopefully others can make use of my post if they have questions two things.. What do i do now to stop the court claim Where is this survey i have to fill in here and how do i make a donation Thanks so much!!!! im off to the pub!

Yeah im would also like to know that, A&L have acknowledged my claim but say they are going to defend it, wanted to know how long u had to wait after filing till you got your cheque NinjaWiz

Received Acknowledgement in the post today that Alliance and Leicester are going to Defend the Claim, they now have 28 days! (not 14 ) to submit their defence, i hope i get a cheque before then!! lol

Martin3030 - You were right, it must have got to the right place, it has now changed to Acknowledged 8/7/06 So now do i just wait? how long do they have to do anything? Thanks

Yeah it was for the MoneyClaim, Yeah i had trouble getting it to accept the Customer Centre Postcode but then it threw up that branch for me so sent it to there, Righteo will just wait patiently, 10 days since it was issued Ninja

Hmm it appears that i have not entered the Customer Care Centre as the defendent but actually the Alliance & Leicester bank that is on that street too! First Defendant Alliance and Leicester Alliance and Leicester Plc Bridle Road Bootle Merseyside L30 4GB Will this still go through? will it get to the right people? Hmm very worried now

Well nothing has changed on my Money Claim site yet, just says issued on the 28/7 How long does it usually take them to aknowledge the claim?

Right.. According to the Moneyclaim site my claim has been issued on the 28/7 and under judgement it says Start Do i need to do anything else or just wait? Regards NinjaWiz

Hi Yvonne The final text is used was... I have a contract with the defendant, ac number xxxxxxxxxx between 12/03/01 and 15/5/05 ,which is conducted on their standard terms and conditions.I am claiming the return of money taken by the defendant in the way of charges over the last 6 years plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law.Further,as a disproportionate penalty they are invalid under the Unfair(Contracts)Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2 (1)(e).In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I asked the bank to justify their charges but they have declined to do so. A schedule of charges inc interest calculations is in the post to you. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 12/03/01 to 15/05/06 of £236.62

Right.... think this should be it Can someone just look over this and see if it is ok to put in the Particulars of the Claim... I have a contract with the defendant, ac number 292948182 between 12/03/01 and 15/5/06 ,which is conducted on their standard terms and conditions.I am claiming the return of money taken by the defendant in the way of charges over the last 6 years plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law.Further,as a disproportionate penalty they are invalid under the Unfair(Contracts)Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2 (1)(e).In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. A schedule of these charges inc interest calculations is in the post to you The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 12/03/01 to 15/05/06 of £236.62 Do i need that last paragraph? the Money Claim site said i needed to copy that bit in if i was claiming interest (and i got the interest total from my spreadsheet) If you could let me know if that is ok to submit Thanks Very Much NinjaWiz

Lovely thanks again Martin, Just found that bit i need to copy in, should of gone there first. so i just copy this in..... You have a contract with the defendant bank dated XXXX and which is conducted on their standard terms and conditions. You are claiming the return of money taken by the defendant in the way of charges over the last xx years plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. You have repeatedly asked the bank to justify their charges but they have declined to do so. (but edit it to my details) Do i also need to somehow put the schedule of charges in? or just that paragraph above

Lovely Thanks Martin3030 Few more questions... I couldnt get the Postcode to be accepted but it gave me a choice of a couple it found and one was for Alliance & Leicester PLC, Bridle Road, Bootle so i used this one (it just had a different postcode) - This is the right place yes? In the Particluars of Claim box - Do i need to put a whole list of all the charges etc or just type Unfair Bank Charges and thats it? am i adding the interest at this time? Does or will my claim include any issues under the human rights act 1998? Do I want to reserve the right to claim interest? Thanks in advance

The Time has come to make my Claim! I am claim about £1800 now inc interest, Can anyone tell me how much this will cost me through the moneyclaim site, as may have to wait till i get paid! Thanks

Got another letter today just saying they are looking into it and getitng back to me within 28 days, only a few days till i file my MoneyClaim, So what exactly do i need to enter on the MoneyClaim site? what address do i put down for alliance & leicester etc.. and do i just type in all the charges im owed etc? dont knwo what to expect when i have to file the claim Thanks Ninja