mcol is moneyclaim online, this is the online claim form that we fill in for the courts. It is at this stage, be it mcol or the N1 form that we add the interest. Hope I've understood the question and that this answer helps?

I have nothing to wear.........

Hiya I had the same problem with Abbey, I had no information on my account number either, I simply sent them my SAR without it. They will still have you on record and can get your account number from your name and address, I included my date of birth too.

There is nowhere to attach the schedule with the mcol, I sent the courts a copy via the post, quoting the claim number and putting by way of service on the letter. Hope this helps?! good luck........not long now!

Hiya and welcome spider Yes you can still claim on accounts that have been settled, nicer outcome for you that way, it will mean all the money is yours to do with what you like! good luck keep posting!

AWWWW brilliant! thats great news. and the reckon friday the 13th is unlucky eh?! well done.

I have started a new letter. It needs tweaking and a closing paragraph, if anyone would like to help with???! lol Dear Mrs Patel Thankyou for your letter, regarding my issues, with Testways "admin fee" I have taken on board your, comments, that it takes three members of staff to deal with a uncleared cheque. However, I fail to see how this manual intervention would actually cost Testway anymore than pence, unless your staff are paid £7 per nano second. It is noted, that I don't incur a charge when the cheque doesn't bounce! You mention that your bank charge Testway for unpaid cheques, and this I don't dispute, but the charge is normally less than £1. So, it seems to me that a true breakdown would read more like this: Bank charge...........£1 key pressed on pc by three members of staff .................0.75p Letter, envelope and stamp sent to my address.............£1.50

Hiya and welcome Icepop! No, don't include your 8% interest at this stage, as it is only claimable once you are at the court stage. Hope this helps

lol Michael is right he's always right All moneyclaims start off at Northampton court honest!

Hiya LC4 Im sorry to hear of your troubles, and welcome to the site. I really, really wouldn't advice you to pay out to this company you mention! 25%?!?!?!?? fgs thats robbery. There really isnt a whole lot of work involved I would happily talk you through each stage, and apart from printing off a few letters, and totalling up your charges, thats all the work thats involved! I enjoyed every minute of claiming my charges back, so much so, I am now a forum addict! Please seriously re-consider your decision to pay somebody else, to get back what is rightfully yours, and give us a shout if you decided to diy! best of luck

Ive had three phone calls with the woman now and each time, she has said she will provide me with a breakdown of the charge. The letter I got yesterday was it transpires, her version of a breakdown............ Im having my own private one lol

I dunno what to do really. The lady dealing with it at Testway, clearly has no idea what I was saying, she keeps saying "but the banks do it" like its some kind of excuse. Three members of staff, pressing what probably amounts to two keys each on a pc, a letter, envelope and first class stamp, wouldn't add up to £15 even if you do include the charge their bank makes to them. But for the sake of £60 is it worth making a fuss?

Hiya Springer, I realise they might threaten to close my account, but I have powers of persuasion, and it would be a bad public relations move to do this to me, as I haven't been to the local papers with my story..........YET! My argument on the latest lot of charges, is that they were incurred whilst my claim was in the court stage, I have had none since, and don't plan on having anymore either. At the end of the day, if I lose the debit card, and cheque book (with no guarantee card) then so be it, who wants to bank with anyone that steals and cheats anyway?! lol good luck with your claim

£88 a piggin week too!

exactly!! Im thinking of sending one final letter, including this website address, I think their bank must owe them a fortune too!

the money went into my account at about half ten in the morning of the 8th letter came a couple of days later...........I'd nearly spent it all by that time! lol

Hiya In my case, as you can see from my signature, it was a mere twenty four hours! good luck!

And yet another letter recieved today! They are sending an agent to collect payment (yea right!) I rang but they wouldnt take my call as I refused to give them my telephone number, so I emailed the following instead: I have rung your offices this morning, but was told my phone call could not be continued, as I refused to give my telephone number. I was ringing to remind you that despite the fact that the above mentioned account is in dispute, you are still harrassing me for payment, this is unlawful. You have failed to respond sufficiently to my cca request, as merely sending a signed copy of an application form, does not prove any debt. I will not enter into any discussion with you regarding this matter, until such times as both you and capital one provide details for the cca request and subject access data, respectively. I trust this clarifys my position.

The letter from them arrived today: In response to your letter dated 18th September 2006 I have investigated the points you have made and the findings are as follows. First of all when a tenant takes on a tenancy, the tenant and the Landlord signs a contract, according to which the tenant agrees and is bound by a contract to pay rent on time and by agreed method. In your case both of these agreements are broken by yourselves. Secondly you have asked for a full breakdown of charges that Testway have levied due to bounced cheque payments over the last few months. Testway operates a policy of £15 admin charge to ALL its tenants if their payments are not made in time or in your case, cheques not honoured by your bank due to insufficient funds in the account. Hence £60 is charged on the basis of 4 bounced cheques since December 2005. These charges are not unlawful as it covers our admin costs for handling arrears. When a cheque is not honoured, there are at least three memebers of staff across two departments spend their time in dealing with updating tenants accounts on rent system from the time the payment is received first time, and then updated again when cheque is returned by the bank. Testway is also charged by its bank for the cheques that are not honoured. Hence £60 are charged on the basis of four bounced cheques since December 2005 Please also find enclosed a leaflet which shows the various methods of payment testway has to help tenants. Please do not hesitate to contact me if you need further information. Mrs D Patel The grammitical errors are not typos either! lol anyway, I personally think this is a crock of poo I want to take this into court, can anyone advice if I am in the right, and what I would put in the particulars of claim please?

In reply to my preliminary letter, I recieved a letter from Halifax : Thankyou for your recent letter and email. As you are aware your complaint was settled in full and final settlement of your claim against the Halifax and that any future charges would stand. As a result we will not refund any further charges you have incurred on your account. I am sorry I cannot be of any further assistance to you. blah blah, leaflet complaints, blah blah. your sincerely Phil Giaramita mm.....I didnt sign any conditions with my settlement, so Lba is going today.

Had a reply to my preliminary letter last tuesday, saying that they would look into my complaint and get back to me in the next six weeks. Sent the Lba on friday, Phone call today, asking if I had got their letter saying they would be taking six weeks?! I told them that I wasnt prepared to wait for them and was continuing at my pace not theirs. The letter, itemising their costs is being typed now and should be with me on Wednesday at the latest..........I cant wait! lol

I have had the same letter, My response was to send an email saying that I had already had this letter five times, and had already paid for my s.a.r. three months ago. I got an email back with the bog standard " sorry you are unhappy" Abbey are just spilling out the same old letters, with the same lame excuses, and feigning ignorance. I have continued with my claim using my time frame. I wonder if they are even reading our letters now, or just waiting for the moneyclaim to be issued?!?!?!?!

Of course, after the line "seeking the remainder" you could put the figure, with the new charges included. Its doubtful they will pay up without the court claim, though! good luck!

I would send this letter: Acc No.......... your ref............. Dear Mr Thank you for your letter of (date) in response to my own regarding repayment of unlawful penalty charges. I have sent you a letter before action stating that Court proceedings will follow should there be no satisfactory offer of payment. I note your offer of £*** but am unable to accept this as full and final however I would be prepared to accept this as a part settlement,on the understanding that I will be pursuing the remainder of the full amount in court. The deadline for your full compliance is (date)I trust this clarifies my position. yours sincerely There isnt really any need to add the further charges yet, just add them to your schedule and moneyclaim for court.

Good morning! Yes, accept the money as partial payment only. When your timescale is up for your moneyclaim, issue it, adding your new charges. Hope this helps!