Ive got this far now what?But feel like giving up

[hayz77]

Ok Ive got to the point where Im ready to take abbey to court but I really dont understand how to do it? I have the forms to fill in but then it says stuff about preparing you bundle etc etc.
how do I go about that and how do I calcuate things like interest.I really havent a clue and feel like given it all up. I had my gogw and told them I want full refund and would except that as part payment but now I am stalled. Im so scared Im going to stuff up my calculations and 'bundle' that the judge will tell me where to go(so to speak) if that happens I will be gutted as have been suffering depression and last thing I need is some high and mighty person to critise me.If that makes sense. Please advise me on what Im doing next. I know there are ots of threads and info on here but it still doesnt make sense.
Thanks anyone
Hayz

[Michael Browne]

Forget about the court bundle. You won't need that until you get a hearing date, ages yet.

Are you filing at MCOL or with N1?

[Ladidi]

Dont give up hun. You a renot alone. I can relate to how you are feeling and it is scarey and not knowing what to do. Belive me there is loads of poeple on here who will help you through this.
I was in the same position as your self and with the right help and encouragement I am now going to take the Abbey to court. At the end of the day it is your hard earned money why should they keep it.
Take a deeo breath and go through everything step by step. Fist you have to decide if you are going to make your claim through MCOL or N1.
When you have decided the information on what you need to do is easy to follow as it shows you step by step and if you are not sure, all you have to do is shout, litterally and someone will assist you.

Ladidi

[glad]

Don't give up-
I know its scary -there are times when I feel totally out of my depth but people on here are excellent and will help you.Believe me there is a light at the end of the tunnel and IT WILL BE WORTH IT

[ICY]

First thing you need to do hayz is relax, dont worry it really isnt as bad as you think, and as i keep saying everyone is here to help you along your way, have a read of THIS it explains what you need to do and when, read keep reading it until you understand the process as it will help you later on in your claim, keep your thread updated with progress of what you do, and what you receive and you will receive guidance as to the next step to take.
Dont give in to any of their tactics, you are in charge of this, and you will get your money back if you keep going, its a long road, there is no quick fix, but it will be a journey worth travelling.
Any advice you need just ask and we will help.

Best of luck

[hayz77]

Hiya,
Thanks for your replies. I dont mean to sound thick but what is MCOL?
I have been trying to go the N1 route. I guess Im just tired as this has taken over a year so far. I want my hard earned money back so I can have a bumper wedding so fingers crossed.
So do I just fill in the N1 and pop it off to the court with payment?which is £100 right? and then they tell me what and when I need to do my court bundle? grrr looks like another year spent in courts. first my divorce now trying to resolve a property issue and now this. it sucks bu has to be done. Ill keep popping back here for help and not hide away.
Thanks again everyone
Hayz

[hayz77]

Ok another stupid question.On the N1 form I have to fill it in 3 times. can i fill it in on my pc or do I have to hand write them all??

[glad]

Hi Hayz-
Go for it- we'll all help you.
(Ive sent you a PM aswell )

[bonnie0852]

Originally Posted by hayz77

Ok another stupid question.On the N1 form I have to fill it in 3 times. can i fill it in on my pc or do I have to hand write them all??

Hi Hayz!!!! Click this link for an on-line N1 form as its easier than handwriting it, only thing is you cant save it so once you've started it you have to finish it, then print 3 copies of it off!! One for you, one for Abbey and one for the court (its easy to fill in as all the info on that page tells you how to do it!)
http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf
Can i just say that even tho im in the middle of the court process now myself im still terrified and cannot for the life of me get my head round it all, but thanx to all my "new friends" on here im getting there (and driving them mad in the process)! Please dont give up and ask as many stupid questions as you can, if i can get this far then YOU can!!

Look at my thread if you want and see how much i've struggled and still am to be honest with you!!

Im Scared.....helppppppppp
Just shout and we'll all hear you!!!
Bonnie

[charleyfarley]

Hi Hayz,

you keep asking the questions and we'll keep answering them for you...................... ..the more you ask, the more you understand, and the more confident you become. And eventually you feel sufficiently confident to help other people.

The thing I would say, as Michael said,don't try and read too far ahead of yourself or else it becomes even more confusing and frightening.

Put this link in your favorites,it's a godsend

http://www.consumeractiongroup.co.uk...tml#post436526


and MCOL stands for Money Claim Online. Don't use it, use the N1 version same as bonnie said............it is so much better it's unreal.


and finally.................. you can't read every thread on here,so choose a few that seem similar to your own and follow them,especially if they're a little bit ahead of you in the process,it helps you undersrtand and gives you an idea what to expect next.

cf

[FoxyFiona]

Hi there,

The only way to go is one step at a time and you will do it. Its really daunting if you look at all the stages at once. What I do is address the stage Im at, do whats needed for that (with the help of CAG members) and in the time required for the next stage read up on just that stage. Ie a step at a time. And before you know it you will be laughing all the way down the aisle. Its not easy money but its yours and its worth it, you will gain friends and knowledge on the way - promise. FFx

[glad]

Told you you'd get lots of support.That link that Charley Farley has put on is a blooming god send.

[hayz77]

Ok next question is, I started this last year so have claimed 6yrs back from July last year. On the N1 it says about daily rate of 0.00022p what is that refering too? does that only become valid if the court files in my favour? ie say they said abbey should pay me on the 23rd of july 2007 and they dont pay up until 9th of sept, then Id claim interest at that rate on the days from 23rd july- 9th sept?? if you see my point. or have I totally mis understood that one.
Is there anywhere that tells me the court fee online and do I send a cheque at the time of sending my N1 in?
thanks again
Hayz

[hayz77]

Ahh ha manage to sort the above out
however what do I put in the amount section 5c
c) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from [date when the money became owed to you] to [the date you are issuing the claim] of £ [amount] and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest]
is it the amount referring to the total of my claim or the interest at 8% on my claim?
How do I work that out please. would I have to work out what I was owed each year and do 8% on that? or just 8% on the total and then would I x that by 6years? if I make sense.

[Robdblynd]

Use the simple spreadsheet in here to calculate your charges, it automatically calculates the 8% for you on each charge. Then in the N1 you separate the charges, the OD interest(if claimed) , then c) the 8% interest as a figure and the daily rate is your charges + OD interest (if claimed) x £0.00022p.
6. Interest calculation spreadsheets

The speadsheet looks complicated but once you get the hang it's really simple and it will automatically calculate the interest on a daily basis, If you view the spready after you've filled it in, save changes when you close it and the new s69 interest is saved for you.

Stick with it, it's a bit of a battle but they do settle. I've got my offer of settlement for the full amount this morning.

Good luck

[hayz77]

Thanks for the spread sheet, Looks totally confusing but I will try. what is the days since offence column.I understand it to a degree. But as I started my claim a year ago do I put in the amount of days from 2001 - 2006.did that make sense. Abbey have stalled so much and what with my own personal battles things have taken a long time.
Thanks

[Michael Browne]

Use the Simple S/S here:

http://www.consumeractiongroup.co.uk...eadsheets.html

See here for a visual guide:
Maisielou v Barclays - SETTLED!!

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

If you have deleted any of the existing examples, you may have deleted some of the s/s formula , so it may be better to start again with a new s/s

The ‘Days Since’ and ‘8% Interest’ columns will be calculated automatically

Save it and print out as your schedule of charges