GOOD (me sometimes) V EVIL (A&L)**WON**

[caro]

I agree that this may be safest if you want to keep your claim under 5k or A&L may ask the judge to combine the claims.

[bsia666]

Thanks again for that advise, I shall wait until the 1st part of my claim has run its course and then start the procedure again for the remaining charges.I think I have about 9 days to wait before MCOL...................any body need a plumber? as I shall have to work a bit to pay for it :-)

[younganfree]

Wot. At the rates you dudes reportedly charge?

Don't think I could afford it, so I'll have to pass this time ;-) .

Mind you, the cistern does make a funny noise after flushing...

[bsia666]

I have been looking around other banking threads and have a question for all you helpfull people out there. I live in Scotland and my banking address is in Scotland, can I use the money claim online service to claim back charges?............... I am not sure now after looking at a Halifax (I think) bank thread.I have been looking around for months at the various threads and I thought I was sure I could. ps I am very cheap but not nasty re plumbing LOL

[younganfree]

bsia666, like you, I thought I'd seen somewhere that you could claim in England as long as you were aware that you'd need to travel to England if it got into court, (on the whole an unlikely occurence).

Unfortunately I can't remember where I may have seen it, so can't say for certain.

 

I dare say someone will be along shortly to tell us whether we're barking up the wrong tree.

[bsia666]

Thanks Younganfree, I have always approached this process assuming I would have to appear in court. I have the mindset that the defendant will turn up for their case in court,they will defend my claim against them and therfore if I follow the tried and tested method on this site............I should have a researched case to present to a judge. I did think I could use MCOL basically the outset of my claim and tailored the amount I was claiming to suit (well under £5000 limit). I would have used my local court and made a series of claims (under £750 limit) if I could not. EDIT>>>>>(THIS NOT A GOOD IDEA AS OF 23.07.08 A judge has ruled against a claimant who tried to claim a series of separate claims and had the claim struct out) I have 7 or so days left before I have to file any claim,so I hope that somebody can clarify this for me. In the interim I shall delve into the murky depths of the CAG forums for more info.

[bsia666]

I have just looked at Govan Law Centre website and I can use MCOL. I have their webpage on my desktop but its been weeks since I looked on it......silly ol me again as I must have looked at all this months ago when I was putting my thoughts together.

[younganfree]

Oh, well. At least you know now.

[caro]

You will only be able to use MCOL if you use an address in England, and I believe that your letters should have been addressed to the English address too. I would be inclined to send a copy of your LBA to whatever address you decide on in England giving 14 days to pay or court action. Hopefully that should be sufficient to get round it.

 

I had no idea that you were in Scotland or my advice would have been entirely different.

[bsia666]

Thanks again Caro I will ask my a favour from someone, she stays in Wales(is Wales address ok?).I shall send my LBA again and use her address. Is this is what you mean by your last post Caro?.

[caro]

No, sorry I wasn't clear, I meant a bank address in England, maybe head office. I am sure I have seen other A&L claims done this way so read through more of the threads in this forum. Sorry I can't think who at this precise moment.

[bsia666]

Caro I have had a look at my postings and in the one at 23.19 yesterday I posted my "banking address is in Scotland".............I should have made this clear, I was trying to say "my own personal banking address is in Scotland" .Im sorry I have not been clear with my posting.I have sent my LBA to the Narborough address.

[bsia666]

Ill have another rummage around tommorrow at teatime as I have been on comp for a wee bit too long ,thanks Caro as its good to see other people looking at my thread or helping too.

[caro]

Use the advanced search tool and put the name Scotland in a search on the Alliance and Leicester forum, and also the A&L successes. See what you come up with.

[bsia666]

I have 2 - 3 days left before I have to think about filling in MCOL part of my process,cash to fund it may be another matter...........................................since I posted this I have found out that you need to use a friends or relatives address in England or Wales on your MCOL.

[bsia666]

My account was closed the other week (-£917.47) .I recieved an automated response letter stating - "Notice of intention to proceed with dept recovery action" in my post today and threatening court action in 7 days...............its too bad for them that I know some of my rights ,ONE BEING that when an account is in dispute as mine is, they should not start any proceedings to court.So I phoned and spoke to Sue at customer services,who agreed with me and advised me that there would be an extension until the 4th Jan,before any further action.Ultimately I would have got any CCJ removed as the A&L owe me £5,500 appox,but its much better to not have the CCJ to start with. :-)

[bsia666]

Have been unable to afford the MCOL, will be all set for Thursday coming.

[ampersand]

Hello bsia666-

I'm at the LBA stage but will be hoping for exemption on Court fee(on Benefit and sight problems worsening despite laser surgery). In view of your own botched op. probs and consequences, did you check out hardship exemptions?

Suppose you did, but just in case...Courts over Crimbo shut down for ever and you need to get this part rolling.

[bsia666]

Ampersand I dont qualify for any relief from paying the fee, I shall just have to do a home job to help pay for it . I will be getting MCOL ready for this Thursday deadline, I hope it goes smoooothly.............ha ha. thanks for posting it helps morale and all the best on yer claim.

 

William

[bsia666]

I have been skint and have been unable to afford MCOL, however Thursday will be my first attempt at the MCOL procedure.

I really cant wait

[younganfree]

Hi there. Sorry to see you've been too short of readies to proceed before now, but we're still here watching and waiting. So good luck, dude!

[bsia666]

Holy moly...............I have struck a problem!

 

I am filling in the MCOL and need a description to put in the claim box...............its only first part!!!!!!!

 

DOH:rolleyes:

 

Can any one help?

[bsia666]

Would "reclaiming bankcharges do" ??

[bsia666]

Anybody??

[younganfree]

Not having done MCOL myself, I can't advise, but hang on & I'm sure someone will be able to comment in a while!