Ready to claim!!

[stripeuk]

I have worked out that the Alliance & Leicester have charged me £1034.50. I wrote to their Data Protection but have not received a reply yet. However, from statements I know this is the right amount so I am ready to go ahead and write for a refund.

 

I am not an unreasonable person and would therefore consider £5 per charge reasonable so I am prepared to knock off £175 from what I am claiming but I will be expecting interest which I have calculated to be £23.56 using the formula given on the small claims website.

 

Wish me luck!!

[bobzac]

I wouldn't knock off any amount from what they have taken in charges. The amount they have taken is wrong and so they must be punished

[younganfree]

bobzac's right! Don't knock anything off.

This is a tried & tested format, if you go 'knocking things off' you could set a nasty precedent for others.

Perhaps if they'd charged the 'reasonable' amount in the first place, they wouldn't be in this position.

Give no quarter!

[stripeuk]

Oh I see what you mean, I had not thought of that. You are quite right I will ask for the whole amount back! thanks for the advice

[Bigmac versus]

Hi stripeuk as i always say treat them as they have treated you over the years, good luck with your claim.

[younganfree]

Oh I see what you mean, I had not thought of that. You are quite right I will ask for the whole amount back! thanks for the advice

No problem, that's what we're here for. If you need anything else, just shout!

[stripeuk]

I posted my claim off by recorded delivery so lets see what they have to say. Also the date for them to comply with the data protection request has now expired without a response (although they have cashed my £10 cheque!!) so I will today be sending them the template letter downloaded from this site giving then 7 days to comply. Should I also complain to the information comissioner does anyone know? I have downloaded the forms from their website.

[younganfree]

Give them the 7 days, stripeuk, then involve the Information Commissioner, if that's what you want to do.

[stripeuk]

thanks for the advice that is what I will do!

[stripeuk]

Finally received the data protection information from A&L today - there was another £713 of charges that I did not know about!! so that brings my total claim to £1772

[younganfree]

Nice surprise!

[stripeuk]

Well 14 days have passed since I wrote to A&L (by recorded delivery which has been received) and no reply. So now I will be sending off letter number 2 and adding on the charges that have appeared on my account sincce letter 1 (up to £1831.50 now before adding interest!).

[blimeyboy]

stripeuk - they never responded to any of my letters (apart from SAR).

Just issued MCOL so I wish you good luck with your claim too.

[stripeuk]

well have just received their standard letter - no refund, fees are fair and published etc. so now no choice but to complete mcol which I will be doing tomorrow when I am back at work.

[jansus]

best of luck - you are just ahead of me -just about to do LBA letter.

 

Jansus:)

[blimeyboy]

just be patient. A&L appear to be stalling on everyones cases.

I am 2 weeks into my MCOL and still nothing apart from their acknowledgment

[stripeuk]

mcol on line issued today to A&L

[noisypinkbubble]

stripeuk:

 

I Did my MCOL monday , it's exciting isn't it! I am having to amend the claim, but that's a different story...

 

Best of luck!

[stripeuk]

ok HELP!! have had letter yesterday from A&L in response to MCOL. Basically they have sent me a cheque for £682.00 in response to my claim of over £2,000! I have to destroy the cheque and let them know I do not accept it (not a chance want it all back and not a penny less!!)

 

The letter infers that £12 would be a reasonable charge and therefore they have calculated my refund on that - don't know how though because even if that was the case it would be much more than that and what about my interest and court fees!!

 

Anyway does anyone have any advice on how to word the rejection letter and should I send a copy of this to the court? thanks everyone

[blimeyboy]

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

[stripeuk]

Have received a letter from Wragge Solicitors - the A&L intend to defend. Strange really as this was dated the day the A&L send me a "goodwill" cheque! they have acknowledged via MCOL so they have now bought themselves some more time - up to 25th May.

[ripoffstopper]

Hi Stripeuk, thats all they are doing - a year ago they paid me back £6400 in charges interest and court fees. That was after telling the court they would defend. In the end they didn't turn up and I was given judgement by default. Hang on in and you'll get your money. Cheers ROS

[Bigmac versus]

You can nearly smell the money now:D

[stripeuk]

Ok so the A & L have filed a defence one of the points was insufficient evidence but i wrote back to Wragge & Co (copying in A & L) with another copy of the scedule of charges and interest pointing out that copies of this were attached to each of my previous letters! anyway have received a letter today advising me that it has been transferred to Brighton County court and the allocation questionnaire has bee dispensed with.

 

Funnily enough I have also received a letter from A&L this week saying they are sorry I am not happy blah blah... and they are investigating my complaint. and, get this, another letter offering me £682 - don't they get it, I tore up the original cheque and returned because I do not want this I want my £2,000 back!!

 

Has anyone else come across these tactics, what are they playing at?

[stripeuk]

Hi hope someone out there can help me. I was due to go to court last week against A&L but case was stayed. I used a letter I found on CAG to appeal against that and have stay lifted.

 

This morning I received a General Form of Judgement of Order. Basically it says that my case and several others will be heard on 12th october and 5 mins have been allowed.

 

I must file a skelton argument and copies of all relevant authorities relied on not later than 7 days before the hearing.

 

This application will be heard together with a number of similar applications at a composite hearing.

 

What does all this mean and what should I do now??