Hi Squarebob and Bobthecabbie, Thank you for your advice. I have sent a letter of rejection, here's hoping for the full amount. Do I need to acknowledge the letter from A&L solicitor, stating they are going to defend the case? Thank you.

Hi. I'm in the same position on Saturday I received a letter from A&L solicitors, and today I have received a letter from A&L. A&L have offered my £432.00 including my court cost of £120.00, against a claim of over £2000.00. What should I do? I not sure if I should write back to A&L saying no thank you and if I should write to the solicitors. Can anyone help? Thank you

Hi, I have followed the step by step instructions, and in my last letter to A&L I did sent a copy of my charges. How did you get on with your claim against them?

Hello, Can anyone help me? I've just files my MCOL online, I am sending my shedule of charges to the court, but do I need to send a letter to the bank (A&L)? Also does the court automatically claim the court cost back for me? Any help greatly appreciated.

Hi I wonder if anyone can help me? I have two creidt cards with MBNA, one was an MBNA card and one an A&L (which is now MBNA). I have sent all letters and they have made me a small offer on both cards, but I am now at the MCOL stage. Do I need to file to CCC or can i lump them together as one? Any help more than welcome.

Hi Nadirish, Will I get the £120.00 back from A&L, along with my charges and when is it payable? Thank you, I'm a bit worried about spending £120.00

Hi Ros, Fantastic news that you beat them. I am just about to file with the courts and the fee has come up as £120.00, do you have to pay this amount straight away? And did you get it back from A&L? Also on reading your thread I notice that you can't claim monthly OD chgs, I have included this in my orginal letters to A&L, can I take them out now? Sorry another question can I claim unauthorised OD Chgs? Thank you

Court Charges. I have completed my claim online and my court charges have come up as £120.00, I am claiming £2298.77. Is this the correct amount and do I have to pay them at the time of making the claim? Will I get them back from A&L? Please help

Hi Thank you for responding. I don't know how to change my name details (I'm not brill with computers). Is it OK to send the LBA when they have responded to my initial letter for a refund? If so should I just change it to say thank you for your response and then continue with the template. Thanks Again Sam

Hi Thank you for responding. Could you tell me which letter you sent to them before starting court action? Thank you

The A & L, have said no to refunding my charges, as they believe they are in line with other banks charges and are fair!!! I don't no which letter to send to them now. Can anyone help? Thank you Sam

Hi robbie, Fantastic news that you got your charges back from A & L, I wonder if you could help me? I have just got a letter back from A & L saying that their charges are fair, so they wont refund me £2036.50. I don't know what to do next. Should I send a letter or do I start court proceedings? Thank you Sam

Hi Fantastic news that you won against A&L. I have just received a letter from them today, stating that their charges are fair and therefore, they wont refund me the £2036.50 charges. Could you help me. What letter should I send to them on reply? Or do I just start the court proceedings?

Thank you Crusher, I will hold out for it all. Can you tell me which letter I should send, I have already sent request 1 & 2. Thank you Sam

Hello thank you for taking the time to read this. I currently have two accounts with MBNA which I have requested a refund of charges on. The first one the charges are £605 MBNS have offered £340, the second one the chgs are £315 MBNA have offered £140. Should I accecpt their offer, if not which letter do I then send. Secondly both my accounts are with their collections dept and have the interest frozen. Due to the fact I have financial difficulties, they have offered to take the refund off the bal. I have read that I can ask for a chq, can I do this if the account is with collections? Sorry I'm sure these questions are answered on the website, but I'm a little confused and unsure what to do. Thank you Sam