Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Been pondering this for a while, and as another claim is imminent I thought I'd throw it out for comments.
I've used MCOL since the very early days, both personally and at work. It's a great service, but one thing lets it down, and that's the lack of space for your Particulars of Claim.
When I issued my Lloyds TSB claim last week, I didn't have space to put an account number and sort code, or Breakdown of the charges. This has been requested by their solicitors, which I've sent.
If I was to do all of this via an N1 form at my local court, I could put all this information in, and attach a copy of the spreadsheet to the claim. However, I'm concerned going this route will make it harder to track the claim, and slow things down.
If my reply or advice was helpful, please click the scales! ------- DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation. -------
after filling in the form, what use is money claim ? the courts send details via post at every step
Halifax Credit Card - £408.16 - Settled in FULL 26/6/06
Halifax Loans - £397.97 - Settled in FULL 25/8/06
GE Money Topman £216.75 - SETTLED IN FULL
Marbles LBA - £475.00 - £250 Offered
Halifax Current Account LBA - SETTLED IN FULL
Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested
Capital One - LBA - £88 Knocked of Balance
Egg PPI - LBA
I know, but you can see whether it has been acknowledged, a defence issued, etc - plus request judgement if they don't respond in time. Plus saves trips down to the court all the time (me being a little lazy and all that!)
If my reply or advice was helpful, please click the scales! ------- DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation. -------
i filed my claim with mcol yesterday and had the same problem!! fitted it all in the 1080 letters that you are allowed, just though. had to shorten a few words>>>>like you it saved me goin all the way down court house...
I submitted my claim against FD at my local court. The main reason being that it was my first, and it helped being able to ask questions face-to-face. The people there were very friendly and were able to answer questions I asked about time frames, processes, etc.
Also, because I am on a low income, I didn't have to pay the fees, as I would have had to online (I knew I'd get them back, but money was short at the time!).
I did originally go through it online, but as others have said, you are limited to the amount you can write, and you can't add a spreadsheet (and if it's anything like the Inland Revenue's Self Assessment online forms, it can be very picky with stray characters, lol).
you can telephone the court to ask if claims acknowledged / defended etc, and post stuff to them (including to file your claim) - I havent found any difference between my MCOL and my N1 claims - yet. But was happier about sending in my N1 because I knew all the info I wanted was on there.
I would argue that the banks already have the info from the spreadsheet (bar the 8% interest) as it will have been included on the schedule of charges included with the prelim and lba letters. Why make more work for yourself sending it to the court, when you know the banks will settle without it (well, Lloyds being the exception it seems ). Admittedly the 1080 character limitation is a pain, but aside from that why knock it ?
how would you go about finding your nearest court? I know we have one about 5 miles away but i think thats a magistraigtes court. (if theres a difference?? )
You can include all information you need with dates and account numbers. You can supply the spreadsheet of charges, which a lot of banks use as a stalling tactic.
Also I honestly think if the bank recieve a handwritten claim as oppose to a MCOL they will take it more seriously as they know you went to heck of alot more trouble to file it.
1 question though, did people write it out 3 times, or just get it photocopied?
Halifax Credit Card - £408.16 - Settled in FULL 26/6/06
Halifax Loans - £397.97 - Settled in FULL 25/8/06
GE Money Topman £216.75 - SETTLED IN FULL
Marbles LBA - £475.00 - £250 Offered
Halifax Current Account LBA - SETTLED IN FULL
Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested
Capital One - LBA - £88 Knocked of Balance
Egg PPI - LBA
Local court vs MCOL
TSB claim last week, I didn't have space to put an account number and sort code, or Breakdown
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). Admittedly the 1080 character limitation is a pain, but aside from that why knock it ?
