Well done Kand. I know you would get there in the end. I agree about the rollercoaster. My cheque was dated some daft date as well. Just bank that money and wait till it clears - such a good feeling

Yeah it was against the Lloyds TSB. I think there will be lots of discussion about this over the coming days BBC NEWS | Business | Bank's overdraft charges upheld

If you accept the £200 you wiull still have your overdaft. If you get back WHAT YOU ARE OWED the overdraft will be cleared and you get £200, you can always get an account with another bank. I suggest you open a new banak account asap. Stcik with your claim and your timetable you will get back every penny you are owed.

I agree I would contact the court. My gut feel is they have sent you a defence but not sent the court one as they have no intention of defending the case. If they send you their defence they hope you are scared into dropping your case

Don't panic again another scare tactic to try and get you to drop your claim Stcik with it and keep us informed of progress

Thats corect no AQ to fill in, the reason for this is courts/judges are getting sick of banks wasting court time and energy. I would phone your court just to confirm but I think you still have to pay the AQ fee.

nic how are the justifiying each of the charges? They have to show that each of the paid item fees etc ACTUALLY cost £30 to do. We all know from previous whistleblowers etc that the true costs is aroung £2.50 (if that). In their defence they have to prove or show that for bouncing a cheque etc it actually costs them £30 to do it. Needless to say they cannot prove that at all. What they have sent you is rubbish. Its a major scare tactic. By sending you 6 pages of legal jargon they still hope you will walk away as its too complicated. Stick to your guns and just get everyhting prepared. In etrms of your schedule of charges. With your Premil letter, LBA and once you issued court proceedings you should have sent a copy of the schedule of charges. The bank will have a copy of these charges anyway but it is something you have to have done.

Thanks Gilly - yeah just waiting for the cheque to clear , more waiting

i got paid out over £3k this week They never entered a defence and was abotu to apply for judgment against them when they paid up

send them a rejection letter ( see the template section) and then continue with your time table

I would photocopy their letter, rip the cheque into 2 pieces send them a rejection letter stating the £1009 and that you require full payment of £xxxx STAPLE the cheuqe the rejection letter and a copy of their letter together and send it recorded delivery.

Pegg, I agree they have had the particulars of claim on several occasions I feel it is a standard tactic (from all bank solicitors) to scare/delay the process. All banks know that they have to pay up, they do not have a leg to stand on. If they can scare 10% of people to drop their claim then thats 10% payout saved. My gut feel is that with such media attention people follow other websites/media guidelines that is not as in depth as CAG - nor do they have the forum to discuss with other their experience advice. So here is the senario: Mr A uses BBC Watchdog templates to claim money back... Mr A goes through the process following the 'ten point' guide. Then MR A gets a letter from the banks solicitor - Mr A cannot find any help on BBC Watchdog site dealing with the letter so drops his claim. I am not saying the BBC Watchdog site or similar sites or not good, but they are not as in depth as CAG. Simple. In terms of closing my account, the letter with the cheque said they woul dbe contacting me accout my account - standard issue again as the account was closed late last year

If MCOL still shows acknowledged and you have not received anything from the court then no need to panic. Wragg are trying to scare you into giving up, it is obvious they have no intention of claiming. Also my feeling is that Wragg know the courts are getting very annoyed with the banks and the bank solicitors - swapping the with work and having no intention of defending any claims. So instead of entering a defence with the court they try to scare you off with 6 pages of rubbish ( their defence). I am sure there is a % of people who drop out at this stage. DONT DO THAT Stick with it and you will get paid out. A&L seem to drag it on as lonf as possible but in the end they pay up. My Cheque arrived on Saturday and from the initial Prelim Letter to when the cheque arrived was over 70 days. Stick to your time table. (33 days from when you issued your claim).

Yes I would reject the offer. rip the cheque in half and send it back to them with a rejection letter from the templates section

I would sit tight. You will receive a copy of the defence from the court. then they will send you and AQ

WALLOP!!!!!!!! That was the sound of the cheque for the full amount landing on the floor. I am delighted they have paid out. It was tough going but worth all the effort. basically Their time to enter a defence passed, emailed and wrote to them giving them a little more time, then emailed the Chief Exec to say if I had not received settlement by the end of the week I would file for Judgment by default. This morning what was in the post ? A lovely Cheque. Fingers crossed it does not bounce. Huge thank you to the site and all the 'community' for help, advice and general chat. Will do the survey and make a nice donation once the cheque clears. Gutted its a bank holiday weekend and cannot pay it in until tuesday

Well done ockers that great news and very quick. Most people go to the wire with A&L Wonder what makes you so special

I think they think you are some kind of idiot. There is NO WAY they will allow the baliffs to come along for the simple reason they will have a CCJ against their name . It will never happen Check with MCOL as when you can send baliffs in just so you have all the facts - that way they know you know what you are talking about

kand, It is getting silly now with A&L. These delay tactics are childish and futile. They clearly have been caught out and now appear to be "fudging" documents ( allegledly) I personally would fax then send a hard copy in the post advising Wragg that they did not enter an acknowledgement to MCOL in time and judgement stands. Point out they could have done the acknowledgeemtn online at any tie and failed to do so. You now require FULL payment otherwise you will apply for a warrant of execution which will result in the baliffs turning up at A&L head office. I think you have to be very hard on them now and make them realise that they cannot delay any further and you want your money

Check it out here : http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Rip the cheque into 2 pieces use the templates : http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html No need to send anything to the court Stcik ith it and they will pay up in full

You will receive notification from the court in the next couple of days. I am sure A&L have ticked the box that says - we intend to defend in full. So your timetable is 33 days from the date of issue ( if they 'intend to defend') If all they do is acknowledge the claim then its 19 days from date of issue

Its up to you whether you go for CCI (compounded contractual interest) or not. If you do go for it the interest is applied to each charge not the total amount (basically you cannot just ad xx% to your claim) you need to work it out using the spreadsheets here : http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html If you choose to go for 8% stat interest this cannot be added until you issue a court claim and again those spreadsheets need to be used to work it out

any news from the bank Kand ???